The short answer? YES! At Nifty Personal Loans, we’re on your side if you receive Centrelink.
Need some fast finance? We're here to help.
WARNING: Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
- For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
- Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
- If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments
The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009
To be eligible for a Nifty loan you must:
- receive a regular income which is paid into your bank account for at least 3 months;
- receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
- you must not have received a Centrelink Emergency payment within the last 3 months;
- not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
- you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).
People who receive Centrelink payments are not well regarded by some parts of society. They’re seen as people who don’t try hard enough. These ‘battlers’ embarrass the Government and the banks are simply not interested. To put it simply, Centrelinkers are in the ‘too hard’ basket. They’re too vulnerable to deal with. That’s what they say. The big banks like Westpac, NAB and ANZ personal loan are literally too busy making billions of dollars of profit every year dealing with the top end of town to worry about the little guy.
Government and a few other opinion-makers reckon that Centrelinkers aren’t able to manage their own finances – that’s why they rely on the State in the first place. We think that is a load of rubbish.
The truth is that people do get down on their luck and Centrelink does the necessary to look after them. That’s what society is meant to do. That’s what we elect Governments to do – to look after everyone in our community. They shouldn’t make Centrelinkers feel unworthy of this support. The Lord knows Centrelink income is not easy to live on, let alone be able to save for the inevitable unexpected bill that life throws up.
CAN I GET A PERSONAL LOAN ON CENTRELINK?
Just because you qualify for a Centrelink pension or credit benefit, should you not be entitled to run a car? Or go on holiday? Or have access to quick cash loans. Any kind of aspiration for the everyday things that others take for granted which we see on billboards and TV every day – being rammed down our throats. Consume, consume, consume. But not you Centrelinkers. No. You stand aside. That’s not for you. That’s for the north bank only. You can’t use ‘our’ money to pay for ‘our’ goods. Go and find your own. But don’t borrow it from the…the…s’s’small money market. Whatever you do, don’t go there!
Pathetic, isn’t it?
You’re a member of OUR society. We respect you. You deserve our attention. If you need some quick money or instant loans for the expected or the unexpected, we are here for you. You know that rego is coming up but damn, saving for it is impossible. A small loan will be tailored for you so you can pay it back without experiencing undue hardship. We know that any amount be paid back on a regular basis is a battle but in the scheme of things, this helps you to cope.
However, before you borrow money, consider whether the loan repayments are going to be realistic. It’s easy to accept money and much harder to pay it back. Always have your eyes wide open when you borrow money….from anyone. Remember – nothing’s for nothing these days. For more smart tips, visit the governments moneysmart website.
Nifty Personal Loans has time for you. The big banks don’t. The big Payday Lenders who provide payday loans don’t. Remember our Nifty Finance next time you need a helping hand.
Nifty is as Nifty Does
How to qualify for a nifty personal loan
You are at least 18 years of age.
You are an Australian Citizen or Permanent Resident.
Receive a regular income into a personal bank account for at least 3 months.
Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.
Not be in financial hardship or be considering entering any form of bankruptcy.
You must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).
You must not have received a Centrelink Emergency payment within the last 3 months.
If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).
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