Car Financing | Get Behind The Wheel With Nifty | Apply Today!

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up to $5,000

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for cars over $10,000

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I want to borrow $1,000

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

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Get Behind the Wheel With Nifty’s Car Financing

Sometimes, getting your hands on the right car financing can be a journey filled with potholes and slippery slopes. It’s bumpy and very rarely a straight road to get what you want. Finding the right car financing can be difficult, to say the least. In fact, finding the right car loan is often harder than finding your dream ride. There are so many options and lenders out there. How do you know who to turn to to get the right finance for you? This is where Nifty’s new broker-finding service comes in handy.

You probably already know that we specialise in small loans up to $10,000. Well, now we want to help out even more Aussies than before. We’ve branched out and are now helping people just like you buying your dream car with affordable finance. After all, why walk when you can drive? Toot toot! For another interesting read, check out The Key to Having a More Attractive Credit File.

Car financing

Introducing Nifty’s Broker-Finding service

Nifty has branched out and is now more than simply a neo-lender focusing on small to medium personal loans. We can now help you get your hands on that larger car financing that you’ve been looking for. After all, you already know we’re damn good at what we do, so why not trust us to help out with all your lending needs? We’ve teamed up with the Diversifi Broker Team who are able to source the best finance solutions, quickly, taking into consideration all of your financial needs and circumstances. Diversifi have extensive experience in the finance sector and are committed to constant ongoing training to continually offer you an even better service.

As a highly-awarded finance broker company, you can trust that Diversifi is one of Australia’s foremost teams of brokers. Just like Nifty, they have your back and will do their best to find the best finance solution for you.

What is car financing?

In a nutshell car financing is a specialised personal loan designed to help you get your hands on that car you’ve been eyeing up for a while. Car finance is usually a larger loan of between $10,000 and $50,000 and is meant exclusively for the purchase of a car or vehicle. Nifty has partnered with Diversifi Brokers to help get you the best finance out there. Don’t leave your car financing to chance. Trust that applying for a car loan through Nifty’s handy broker-finding system is quick, painless and flexible. You could be driving away in your new ride before you know it.

Why choose Nifty?

You may already know that Nifty specialises in small to medium personal loans and that we’re pretty good at it. We’ve proven time and time again that we’re here to help you get the financing you need, when you need it, with as little hassle as possible. We’re the lender that you know and trust already, so why go elsewhere when we have everything you need, right here? Our mantra is to make life as easy as possible for you and we’re constantly looking for ways to do just that. Now we’ve expanded our services to include finding you the perfect broker and car financing.

You know us, you trust us and you know that we’re here to help you get the finance you’re looking for. We’re your one-stop-shop for all your financial needs.

Who can apply for car financing?

To apply with Nifty’s broker-finding service we require a couple of things from you before-hand. Our eligibility criteria are nice and simple so that we can get straight on to the business of finding car financing to suit you. To be eligible you must:

  • Be at least 18-years of age;
  • Be an Australian citizen or permanent resident;
  • Have a drivers licence;
  • Have been receiving a regular working income into a personal bank account for at least the last 3-months;
  • Have a credit score of 300+.

Do you meet these criteria? Fantastic! Submit an application with Nifty now and we’ll get straight on to finding you that perfect car finance.

How do you apply?

We’ve made applying for Nifty’s broker-finding service as easy as possible so you can spend time doing the important things, like picking out your dream ride. We’ll ask you a couple of questions before putting you in touch with a broker. Think of Nifty as the middle-man, with your broker doing most of the work. We’re just here to get a little bit of information from you to pass on to your broker. It really is that simple.

Step one – submit an application for car financing online

This step is super easy. Simply scroll up to the top of this page and let us know how much you’re looking to borrow. Answer a few quick questions for us and hit submit. This should only take you a minute or two. Your application is off to a speedy start!

Step two – your broker will get in contact with you

Once we have received your application, we’ll take a look and see if there is a broker we can match you up with. This step should take us a few minutes, so grab a coffee, get comfy on your couch and relax while we do the hard work for you. Keep an eye on your email and SMS notifications for follow-ups and any important information from us.

Step Three – Pre-approval!

Once the broker has received your application, they will work with you to get you pre-approved car financing for your new car.

Have you heard the good news that your application has been pre-approved? Woohoo! With pre-approval, you’ll have your lender and car financing ready for when you’ve chosen out your dream ride (as if you hadn’t chosen already!). With this pre-approval in your back pocket, you can stroll into that car sales lot with confidence knowing that you’ll be driving out, not walking.

Just 3 easy steps and you could be on your way to being the proud new owner of a car. Now that you know how easy car financing is with Nifty you can focus your energy on finding the right ride for you. Whether it’s a new or used car, Nifty can find you the broker to help you along the way.

What sort of car financing can my broker help with?

Your loan terms will differ from person to person, depending on what suits your financial situation best. However, generally you can expect your car financing terms to fall somewhere in these terms:

  • Loan amounts ranging from $10,000 up to $50,000
  • Loan term lengths ranging from 1 year up to 7 years.

Your broker will go through the details with you and discuss what will be best for you personally. They will help tailor your loan term to your circumstances so your payments are just the right amount and easily manageable. They have a lot of experience tailoring loans to applicants. It’s why they’re so good at what they do!

Bad credit car financing

If you’re looking for bad credit car financing, Nifty may be able to help. Lending is a lot more flexible these days with many lenders looking at your overall relationship with money, not only your credit score. Many lenders understand that things happen, and not everyone is going to have that squeaky clean, perfect credit score. With this in mind, your broker will look for the best lender for you, who is willing to help out with bad credit car loans.

Rather than just focusing on your credit score, they’ll take a look at your overall financial situation, taking into account your income, employment status, credit score any positive notes on your credit file and your current banking habits. This will give them a much more accurate snapshot of your financial situation than a notation on your credit file that may be 5-years old.

Here at Nifty, we’ll do our best to help you out with bad credit car financing to get you driving off into the sunset sooner rather than later.

What information should I have handy for my car financing

We won’t need a huge amount of information from you for you to submit an application. So, no need to go hunt down your last year’s worth of bank statements or start pulling out those papers from behind the filing cabinet. Simply have the following information handy when you start filling out your application and you’ll be off to a flying start.

  • We’ll need your personal details I.e. name, date of birth, address, etc.
  • We’ll also need to grab a mobile number from you so we can give you a call
  • Finally, we’ll also need to grab your personal email address from you as well.

See, nothing too strenuous! Just some simple information that will be a big help when we start finding you the perfect broker.

Will Nifty conduct a credit check?

As Nifty will be the broker-finding service and not be the actual lender in this instance, we will not be conducting a credit check on your file. Any credit checks that may be undertaken will be at the discretion of your lender once found. Generally, your broker may perform a “soft” credit check first which will not show up on your credit report. If your broker is able to find a suitable lender for you, the lender may then conduct a normal credit check.

We only work with brokers who abide by responsible lending practices. When they find you a lender, they will ensure that they are responsible and comply with legislation.
In terms of credit checks, don’t panic too much if your credit score isn’t the greatest. When it comes to finance we believe that your overall relationship with money is more important than a single number. Rather than basing such an important decision on one single number, they will take all of your information into account and make an informed decision. This is the Nifty difference.

Like the sound of Nifty?

Are you loving the sound of Nifty, but you’re not too sure you’re looking for car financing? Or, perhaps you’re looking for a smaller loan to cover some unexpected expenses and you’re wondering if Nifty can help. Well, you’re in luck! Nifty is always happy to help and in fact, we specialise in small to medium personal loans of $300 up to $10,000! If that sounds a little more like your thing, then Nifty is the lender for you. If you’re looking to apply for Nifty’s personal loan service, then scroll up and select fast personal loan from the drop-down and submit your application now!

Why wait? Apply Now!

Does our broker-finding service sound too good to be true? Well, we can promise you that it isn’t! We’ve taken all the benefits of the Nifty experience and expanded them to include car financing as well. We’re all about flexibility, reliability and ease of application. We take all the hard work out of finding car financing and make it an absolute walk in the park for you.

Sound good? Great! Why not apply now and see just how Nifty can help you out. You never know what may happen, you could be on your first road trip as soon as next week. Submit your application for Nifty’s broker-finding service now and let’s see how Nifty can help you out.

If you have any questions about our car financing or broker-finding service or you want to check up on the status of an application you submitted please don’t hesitate to give us a quick call on 1300 471 328. We’re always here to help!

Apply Now

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

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)
EEstablishment 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)
EEstablishment 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
EEstablishment 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.