Car Finance: Drive Away Today With Up To $100,000! | Nifty Loans

Apply now for:

Fast Personal Loan

up to $5,000

or

Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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ⓘ Loan Disclaimer

Brokered Car Loans

We have partnered with some of Australia’s premier brokers to kickstart your car loan search.

Brokered Car Loans Tell Me More!

Drive Away Today With The Help Of Car Finance

Car Loans from $10,000+. That’s Nifty!

The journey towards getting car loans can be as bumpy as travelling down a pothole-ridden road. We know that finding the funds for your dream car is often trickier than finding the car itself. However, with Nifty in your back pocket, there’s no need to start sweating the small stuff. Our broker-finding service has you covered!

We want to help give all Australians a fair go at finding easy car loans. You may already know us as your go-to short term lender, and we’re proud to announce that we’ve branched out into finding Aussies car loans providers.

car finance

Get the car finance you’ve always wanted!

  • Car Loans from $10,000+
  • Work With a Trusted Broker Service
  • Quick applications
  • Top-notch service

Introducing Nifty Loans

We are a neo-lending company that specialises in providing easy loans for all Australians. We’ve made it our mission to give a fair-go to all Australians looking for that little financial leg-up. We now also aim to put you in touch with lenders who offer car loans. Need a loan, but don’t want to deal with the hassle? No worries, neither do we!  Now, we have the introductions out of the way, we’d better tell you more about our broker-finding service.

Who is our choice broker?

Diversifi is our brokerage of choice. A highly-awarded finance broking company, supported by Choice Aggregation Services, Diversifi is one of Australia’s foremost team of brokers.
Using state-of-the-art software, the Diversifi broker team are able to find finance solutions efficiently, matching your unique financial needs.
All brokers have extensive experience in the finance sector and commit to ongoing training, as well as holding Australian Credit Licenses.

What is car finance?

If you’re on the hunt for car finance, we have good news for you! Nifty has already helped thousands of Australians secure finance. We’ll aim to see you driving away in no time. Don’t leave your finances to chance. We can help you get some peace of mind. After finding a lender using Nifty’s broker-finding service, you can walk into the next car lot radiating confidence. The brokers we work with also come with top-notch service,  quick, painless application and flexible loan terms. What more could you want? Scroll up to apply with Nifty Loans today.

Who is eligible to use this service?

Of course, we’d like to help everyone, as we want to help all Australians seeking a quick car loan. However, our car brokered car loan service does work a little differently than our personal loans. Our brokers require that you meet the following requirements before applying:

  • Must be over 18 years old;
  • Be an Australian citizen or permanent resident;
  • Have a drivers licence;
  • Be receiving a regular work income into a personal bank account for the last 3-months;
  • Have a credit score of 300+ (not sure what your credit score is? You can still apply and we can help you find out).

That’s it! Just those little requirements and you’re on your way to an easy car or truck loan. So, tick off these requirements before you complete an application and you’ll be well on your way to applying through Nifty Loans partnered brokers!

What to have handy when you apply for a car loan with our service?

At Nifty Loans, we believe that to be successful you need all the right tools and information. That’s why we give you all the right advice to start your application. So, before sitting down with a comforting cuppa, have these details handy and we promise your application will just fly by:

  • Personal details:
  • Mobile number:
  • Email address;

With these details handy, we will be able to put you touch with a broker in no time. Our application only takes a few moments to complete, so, have this info handy and you’ll be able to breeze through the application. Scroll up to start.

How to apply?

Applying for Nifty’s broker-finding service is easy. Trust us. We only have a few questions before we can put you touch with a broker. Our process is fast and simple, and our brokers do most of the legwork. Don’t believe us? Let us show you:

Part One – You apply online

The first step involves you. So, with a coffee in hand, get comfy and begin your application by scrolling up. Simply select how much you wish to borrow. Once you are happy with your loan terms, click the Apply button and you’re already on your way to completing your car loans application.

Part Two – The broker will contact you!

After we receive your application, we’ll take a few minutes to see if we know a broker who may be able to help. So, whilst you’re crushing those candies, keep an eye on your notifications for some important info.

Part Three – Pre-approval!

Once the broker receives your application, they will work with you to get you pre-approved for your new car!

Hear the good news? Congrats! Your application has been pre-approved. With pre-approval, you’ll have your lender and your moolah ready when you need it!

And that’s it. Just 3 easy steps and you could on your way to owning your new car! Now, you can focus your energy on finding the right car for you. Whether it be a new or used car, a bit of extra cash from Nifty can find you the lender willing to say ‘YES!’.

What sort of loans can my broker help with?

  • Loan amounts: $10,000+
  • Terms: Ranging from 1 to 7 years

That’s the basics! All rates are subject to individual circumstances of the applicant and the policies of the lender. But don’t worry, the broker will go through this with you in detail!

Flexibility, Flexibility, Flexibility

Nifty’s broker-finding service grants you more than just a peace of mind. It also gives you flexibility. Lots of flexibility. You will be given options for how much you need for your car loan, and how long you need to repay the loan. After all – you know what you need best. That’s why Nifty puts the ball in squarely in your court when it comes to repaying your loan.

Do we perform credit checks?

We won’t perform a credit check as part of our broker finding service, however, the broker we work with may. Generally, the broker will only perform a “soft” check, one that will not show on your credit report. If they find a suitable lender for you, the lender may then conduct a credit check.

We only work with brokers who comply with responsible lending practices. But don’t let that deter you from applying. When it comes to personal finance, we don’t think you should be defined by a single number. That’s why you will be asked for your income, expenses and other financial information. I think we can all agree your current relationship with money is more important than your past financial mishaps. So, if you’re embarrassed about your credit score, don’t be! Trust us, we’ve seen it all.

What if you’re after bad credit car loans?

If you need finance for a car and have bad credit – never fear! As we said before, many lenders interested in your current relationship with money. We know that life can sometimes throw you lemons, and peaches and all kinds of fruit at you. We don’t think that one mistake should determine your future finances. That’s why lenders don’t just look at your credit score. lenders take a look at your income and the positive notes on your credit history. So, if you have bad credit and you’re looking for a new set of wheels, don’t let past financial blemishes stop you.

Not looking for car finance?

Maybe you’ve stumbled upon us by complete happen-stance and have gotten to the end of this page to realise that you’re not even looking for a car loan. Well, we hope you stick around because Nifty can offer much more when it comes to personal finance.

As mentioned previously, Nifty is a neo-lending service that aims to provide fast and effective loans to Aussies needing a little pick-me-up. Whether your car has kicked the bucket or you’re in need of a quick getaway, Nifty can find the right loan to suit your circumstance. Take a look at our current loan options!

Small LoansUnsecured$300 – $2,100
Medium LoansSecured$2,100 – $4,600
Large LoansSecured$5,000 – $10,000

For a comprehensive view of the fees and interest for each loan type, we recommend that you take a look at our costs page to determine which loan will best meet your needs.

What about eligibility?

With each loan type comes a varying level of eligibility, however, you will be welcome to apply provided you meet the following criteria:

  • Age 18 or older
  • Are an Australian Citizen or Perm Resident
  • Receiving a regular income for 3 months+
  • Access to Internet Banking

It should also be noted that Nifty loans of $2,100 and above will require a vehicle to be used as collateral. This vehicle will need to be owned by the applicant and registered under his/her name.

And that’s it! If you tick all of the boxes, you could be on your way to receiving a Nifty loan!

Let’s be friends

Well, we hope you’ve learned a lot about car finance, however, you may be experiencing information overload. If you have unanswered questions about our service you can head to the FAQ page at any time and see if your answer is waiting for you.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter, Google + and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Want to read more? Find out how you could apply for car loans for pensioners


Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

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

Medium Loans

Medium Loan Example

$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
Loan amounts:
$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
Small Loans

Small Loans

Small Loan Example

$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
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.