Car Repair Loan

How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

Goodbye Stress! Hello Nifty Loans easy car repair loans!

Get your car repair loans with us! At Nifty Loans, we say goodbye to car repair stress and hello to free time, spare cash and no worries!

Why Nifty Loans for car repair loans?

We believe you should choose Nifty Loans because, quite frankly, we’re the best!

As Australia’s fastest growing unsecured, short-term loan lender – we have the guts to meet all your small car loan needs. Whether the family car rego is due in Dubbo, the kids smashed a window in your work ute in Cairns or you’ve just put a scratch on your 1963 Buick Riviera on a visit to Tasmania – Our Nifty Loans Easy Car Repair Loans have you covered.

From the minute your application is received, our team of dedicated loan assessment specialists will be working to ensure you get the best outcome as soon as possible.

Furthermore, we strive to have every application assessed within 60 short minutes! Once approved, you will have the funds in your bank account within 24 hours. This may vary depending on which financial institution you bank with and whether the application was received within business hours. In many cases, our clients receive the funds that same day!

What are Nifty Loans easy car repair loans

The Nifty Loans Easy Car Repair Loan is your key to affording those emergency maintenance and repair costs! The cash advance loan can help you finance the costs of:

  • Smashed window repairs
  • Scratch or dent repairs
  • Paint damage repairs
  • Interior or upholstery repairs
  • General auto repairs

Bad Credit, or receiving Centrelink benefits? No worries! Just go online and complete the 2-3 minute application and you could be approved for an instant cash sum of between $300 to $4,600 repayable over 3 to 24 months.

Our highly skilled loan assessment team can assess and approve your car repair loans in as little as 60 minutes! Faster financial help equals faster car repairs to get you back on the road sooner.

Did you know that over 700 motor vehicle accidents occur every day on Australian roads? So, it’s always nice to know that you have the help you need when you need it, from us.

How much will I have to pay back?

At Nifty Loans, we strive to be completely upfront and transparent when it comes to the costs associated with our car repair loans. When you are sent our offer for a Nifty Loans Easy Car Repair Loan, the document will outline all fees and charges that you may be expected to pay, along with an anticipated total cost.

More importantly, we do this to ensure that you are never left wondering how much you are due to repay that month, or what the additional fees might be.

You can find all the information about the costs associated with a Nifty Loans Easy Car Repair Loan on our website.

How do I find a good mechanic?

Taking care of your car is important, but the person taking care of it has just as much importance too. Although it may be hard to find a mechanic that you trust, there is always a way! Try asking a few of your friends and family who they take their cars to. If a mechanic’s name comes up more than once you could be onto a winner! Another way is to actually take your car on its next scheduled service to the mechanic. While it’s running at its best, it’s better to try it now before something goes wrong.

What car terms should I know before getting my car fixed?

When you go to the mechanic, it’s always best to go with some terminology you know and easily understand. Backing yourself up with some knowledge can help the technician figure out how to fix your car as well as prevent you from getting ripped off. The terms below can help explain what you hearing/feeling from your car:

  • Backfire: A gunshot-like sound that comes from the engine or tailpipe
  • Hesitation: A brief loss of power upon acceleration
  • Shimmy: A side-to-side motion that can be felt through the tyres and/or steering wheel
  • Sluggish: How a car feels when it’s not accelerating smoothly or strongly

There are also car parts and services you should remember before the mechanic reminds you:

  • Synthetic engine oil – This oil can last longer in your car, and can be a lot cheaper compared to other oils as it needs to be changed less.
  • Brake pads – These are rubber pads that help the car stop. They often need to be changed, especially if you tend to slam your brake at last minute.
  • Wheel alignment – This is often done when you get new tyres fitted on your car. It’s always best to check with the mechanic if they’ve done an alignment rather than believing they already have.

You are our mission!

The team at Nifty Loans understands that people are important and that your financial situation is unique. We don’t mind saying that we are money lenders. After all, that is what we do. Small, quick and affordable short-term loans.

However, taking on unexpected car repair debt can be a big decision. We want to ensure that you feel confident with us every step of the way.

To achieve this, we’re putting you in the driver’s seat of your tailor-made car repair loans experience.

Unlike some of the more mainstream lenders, we pride ourselves on delivering not just short-term cash loans but building a relationship where you are comfortable dealing and communicating with us.

Ready to apply?

Don’t leave yourself stressing that you need a loan to fix your car. We’re ready for you now! Our dedicated Car Repair Loans assessment team are standing by. Get online! We look forward to hearing from you soon to set up your new Nifty Loans car repair loan

who can apply?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

How customers rate Nifty’s Car Repair Loan?
plf Overall rating: 4.4 out of 5 based on 55 reviews.

Fast Car Repair Loan Approval

5 5 1
This worked out very well for me, and i appreciate the help. Very easy to pay back and happy to use this company again and recommend to other users. Thank you.

Excellent Service

5 5 1
Great and efficient car repair loan service! Highly recommended if you're in a bind. Repayments very reasonable and affordable! Based my application on current merits and circumstances! Can't find any fault in the service provided!

Great when in need very helpful

4 5 1
Thank you for giving me a chance nifty helped me out when in desperate need to repair my car, I'm very grateful. I highly recommend these guys I am a very happy customer thanks again.

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