Payment Terms and Conditions - Nifty Personal Loans

By using any of our available payment service providers, you agree that you will:

  • be providing your information to a third-party service provider.
  • be required to read and agree to the third-parties User Terms & Conditions and related documents before use.
  • only use cards or accounts that are in your own name to make payments.
  • when making a card payment, only use a debit card, as credit card and charge card payments will be blocked for loan repayments.
  • be using these services at your own risk.
  • need to contact us before making additional payments if you have an upcoming direct debit as any direct debit arrangements you have in place with us may not automatically update.
  • not be on-charged service fees by the lender for the use of these services.

By using any of our available payment service providers, the following will apply to refunds.

  • Refunds on credit accounts could be viewed as “redraws”, which there are legal restrictions on. As we are a lender, and not a retail business, we will not generally make refunds available should you change your mind about making a payment or if you are not approved for a new loan.
  • We will refund you where an account has been overpaid and has exceeded the legally chargeable amount.
  • You may request a refund where payment was made without your consent, knowing this may require investigation by us before a refund is approved and processed.
  • Refunds will be excepted where a payment was made in error.
  • Refunds may only occur once payments on the account have cleared, which in some cases can take up to 3 business days.
  • We may grant refunds in other circumstances at our discretion.