Car registration loans, up to $5,000. Apply now!

car registration loans

Is it time for that dreaded annual car registration bill? If you forgot about it again and now don’t know what you’re going to do, don’t stress too much. Nifty Loans has a great solution for you – car registration loans!

We all know that owning and running a car can be one of the most costly household expenses. Heaven forbid if your home regularly uses 2 cars! You have to account for all those weekly fuel expenses, quarterly services, insurance, general maintenance costs and new tyres – to name just a few. As we all know, these expenses can really add up, costing well into the hundreds, if not thousands of dollars!

Then on top of all these costs, we also have to think about that pesky annual car registration expense. Renewing a rego generally costs around $800 for the average car! With all these costs in mind, it’s super easy to see how that upcoming rego cost can sneak up on you.

Have these car-related expenses started getting you down? Do you need a bit of a helping hand?

Nifty Loans has your back!

What are car registration loans?

Rego finance are a short term loan usually anywhere between $300 up to $5,000.

Here at Nifty Loans, we offer amazing customer service and we pride ourselves on being one of the most competitive loan specialists in Australia!

At Nifty we provide 100% online loans, which means that your application can be processed that much faster than conventional lenders. This means that once we have received your application for a loan we can have your application assessed usually within 60 minutes when received during business hours! Our fast turnaround time means you can get that rego sorted and off your mind nice and fast.

How do I apply online?

Here at Nifty Loans you can pop an application completely online. We promise it’ll be a quick and painless process!

You can hit the APPLY NOW button on the top of the page to go straight to an application!

It only takes a minutes to complete your online cash loans application. Easy right? Once we have received your application we aim to have an outcome for you within 60 minutes (during normal business hours), if we receive your application during normal business hours. If you apply outside of business hours, we’ll get to your application first thing next business morning!

Do you do credit checks?

Yes, we sure do!

We do perform credit checks when you apply for a car rego loan with us, but don’t let that deter you. We take a lot more into consideration than just your credit score and we always follow strict lending guidelines. Having a bad credit score doesn’t immediately discount you from being eligible for . Here at Nifty Loans, we understand that not everyone is going to have a perfect credit history and believe that everyone should be given a fair go, regardless of their history.

We understand that sometimes in life unexpected things can and do happen and that you shouldn’t be penalized for that. So if you’re credit history isn’t the greatest, don’t worry! We’ll also take into consideration a bunch of other factors such as your current financial circumstances and your recent banking history to gain a thorough overview of each of our clients’ ability to repay any potential loan product.

We always adhere to all responsible lending guidelines and relevant legislation to ensure that our loan products are right for our clients. If we believe that a loan product is not right for a client we won’t approve it. It’s that simple. We’re here to help you, not hinder you with a loan that you cannot repay.

What are the costs involved?

At Nifty Loans, we’re 100% transparent when it comes to costs and fees. We don’t believe in surprising you with any sneaky little-unexpected fees. Here’s a quick breakdown of the costs you can expect.

For our small loan amounts ranging from $300 up to $2,000, we have a 20% establishment fee which will be applied at the beginning of the loan and a 4% monthly fee, which will be applied on the monthly anniversary of your loan.

For our larger secured loans of $2,100 to $4,600, we have a slightly different fee structure. We charge an establishment fee of $400 and an annual percentage rate of 48% will be charged to your loan. Keep in mind as well that our larger loans ($2,100 – $4,600) require some form of security to be provided. This is usually in the form of a vehicle such as a car, motorbike or caravan.

And if you want the full monty, you can apply for a large loan of $5,000 with an ongoing fee of an annual percentage rate of 21.24% of the principal and no establishment fee!

If for some reason your repayment is dishonoured a $27.50 fee will be added to your loan account.

One perk of Nifty Loans is that we do not charge early payout fees! So if you decide to pay your loan in full early not only will you not be charged an extra fee, but you will save on those monthly and interest fees that are applied throughout the life of your loan. So to put it simply, the sooner your loan is paid off, the cheaper it will be for you!

Do you do car registration loans for bad credit?

Yes, absolutely!

All of our Nifty registration loan applications are assessed on an individual basis using our responsible lending guidelines. This helps us ensure that we are offering responsible loan products to our clients

We understand that sometimes life can throw you a curve ball and you shouldn’t be penalized for that forever.

Here at Nifty we are willing to look beyond your past credit history and consider a positive step toward financial stability with Nifty online car registration loans.

Can I apply online if I am on Centrelink payments?

Yes definitely!

If you are receiving a regular Centrelink benefit into a personal bank account, you are eligible to apply for one of our car registration loans! Just chuck an application in online and we’ll aim to get you an outcome within 60 minutes (if you apply during business hours).

We encourage anyone to apply and we’re happy to take a look at your application for you.

If you have any questions at all, or are unsure whether you qualify don’t hesitate to give our friendly customer service stars a call or email. They are happy to discuss any questions or queries you may have and enlighten you on all aspects of Nifty Loans!

What other car-related expenses do we offer loans for?

Not only do we offer car registration loans, but we can also help out with a bunch of other car-related costs! There are a host of other car-related expenses that can creep up on you and take you unawares.

See our list of examples of other expenses that were happy to lend a helping hand with:

  • CTP insurance (also known as green slip insurance). You can expect to pay upwards of $300 for CTP insurance, and as its compulsory insurance in Australia, there’s no way you can avoid this cost.
  • Other car insurances. There are a number of different insurance plans you can opt for, in addition to the compulsory CTP insurance. These can include full comprehensive car insurance which could sting you upwards of $600 per year to third party property damage insurance, which is still going to set you back a pretty penny.
  • Car repairs and maintenance. If you’ve recently been visited by the bad luck car fairy and had a bit of a whoopsie, you may be wondering how you are going to fix that shiny new dent in your door? Or perhaps you woke up this morning and your car just wouldn’t turn on? These are some of those unexpected expenses that you didn’t budget for. We’re happy to help you get your car back into peak running condition, so you can continue zipping through life getting things done.

So how do I repay my car registration loans if I am approved?

We make it super easy for you!

We set you up with an easy direct debit repayment that will be deducted from your bank account on a nominated day for the term of your cash advance loan. It’s as simple as that! We set this repayment up in line with your income payday and then the system does its thing. Your repayment comes out automatically so you don’t have to worry about remembering to make your repayments on time. We do it all for you to make it as simple and easy as possible.

If you want some idea of what your repayments will be like, pop up to the top of this page and have a look at our handy online loan calculator. Simply use the sliders to indicate how much you would like to borrow, for how long and how often you would like to make repayments.

Once your loan has been fully repaid your direct debits will automatically stop so you won’t have to do anything further. Now that’s Nifty.

Our responsible lending policy

We take our responsible lending obligations seriously at Nifty Loans. We set our lending policies and criteria up to ensure that we will never approve you for an unsuitable loan and never lend you more than you can afford to repay.

That is why we ask for 90 days of current bank statements. Having your most recent 90 days of statements allows our talented Assessment Team to assess you to make sure that a Nifty Loan is right for you.

So, if you’re like us and need your car to get from A to B and you need a little bit of help with those car registration costs, don’t hesitate to apply with Nifty Loans. We know just how expensive it is to keep your car on the road and we’re here to help.

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Car registration loans, up to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Car registration loans, up to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.
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"Nifty is really help me out thanks"

- Welly Mulyadi


How customers rate Nifty's Personal Loans

Car registration loans, up to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans