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Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts

Payment Terms and Conditions

By making a payment to us, you agree that you have read, understood, and acknowledge all the terms and conditions set out in this Payment Terms and Conditions document.

General

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.

Refunds

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.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts:$300 - $2,000
Terms:6 - 9 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
View Example

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts:$2,001 - $4,600
Terms:9 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
View Example

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43
View Loan Details
* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts:$300 - $2,000
Terms:6 - 9 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
View Example

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts:$2,001 - $4,600
Terms:9 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
View Example

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

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No matter what the occasion is, Nifty has your back.