Applying for a short term loan while receiving Centrelink benefits can be hard. Unfortunately, many lenders are not inclusive towards Centrelink customers, leaving vulnerable Aussies in a difficult position. Luckily, our team here at Nifty Loans prides themselves on being an inclusive, responsible lender. We offer quick Centrelink customer loans from $500 to $3,000 with the cash in your account within 60-seconds!**
Our team at Nifty believes that everyone, no matter their financial situation, deserves a fair go. We don’t believe that receiving Centrelink payments makes you less deserving of a personal loan. As an inclusive lender, we strive to help everyday Aussies turn their finances around and put their best foot forward. That’s why we view Centrelink payments as a form of income, and base your eligibility on whether your repayments fit into this form of income.
Here at Nifty Loans, we consider most Centrelink payments as income. The different types of Centrelink payments that are accepted can vary from lender to lender. It’s essential to understand which payments you receive prior to applying for your loan.
|Disability Support Pension||✔|
|Widow Allowance or Widow B Pension||✔|
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Unfortunately, we don’t approve applications from people receiving the Jobseeker, Austudy, ABSTUDY, or Youth Allowance benefits. This is because these benefits are considered temporary sources of income, rather than permanent.
Wonderful, simple easy, filled it out at lunch time and had the money by 5pm. No unexpected costs or issues. Extremely satisfied, thank you for getting me out of a Jam! Quick and easy and easy to repay!
Nifty are always prompt and easy to deal with.The process of applying and repaying is simple and I have utilised niftys service multiple times because of this.
They were so easy to deal with and super fast! From the application to approval & getting the funds in 24 hours. I also had to call to change some details and they were super friendly & accommodating. Highly recommended!
The process with Nifty is very easy. If you’re in need of a small loan, I’d recommend this company. I was approved within an hour and had my money by 7pm that night. Very happy with the service! Thanks Nifty!
Our impressive in-house loan-processing engine allows our team of loan specialists to provide customers with quick outcomes. As an inclusive lender, we put our customers’ needs first and pride ourselves on providing every customer with a fair and just loan assessment, despite their outcome.
Here at Nifty Loans, we pride ourselves on being one of Australia’s fastest online lenders. We aim to process loan applications within 60-minutes* and, if you have an NPP-enabled bank account, you’re likely to receive your cash in just 60-seconds!** This takes the guesswork out of loan application and means our customers are always the first to know about their outcome.
As an Aussie owned and operated company, Nifty understands the importance of having a reliable and local online lender. We understand that our customers value speed and reachability, which is why we ensure our customer service team is the best in the bizz. So, no matter what time it is, leave our friendly customer service team a message via our website and receive a response during the next business day.
Being a 100% online lender, our team at Nifty are able to cut the old-fashioned paperwork and offer you a super quick application process. Unlike many traditional lenders, you can apply for a loan with Nifty at any time of the day or night, no matter where you are in Australia.
If you’re wondering about loan amounts, feel free to use our handy loan repayment calculator. You can find this tool at the top of our page. Just select how much money you want to borrow, and what loan term suits you best.
Our support team is available if you’d like to chat about your loan options. Just head on over to our contact page and reach out via a phone call or message!
Apply for a Nifty loan in three simple steps:
If you receive Centrelink benefits, you may be eligible for an advance payment. What this means is that you could receive a portion of your payment early. You’ll then be required to pay it back later out of your payments. You can apply for a Centrelink advance at any time if you receive one of these payments:
If you have been receiving benefits for at least three months for these payments, you can also apply for an advance payment:
This should always be your first option when searching for a loan on Centrelink for many reasons, but most notably: these loans incur no interest and you can repay the advance out of your future Centrelink payments. For more information, visit the Department of Human Services.
*If you apply within our standard business hours. Subject to individual assessment. 60-minute outcomes are not guaranteed.
**If you have an NPP-enabled bank account.