1300 471 328 Apply

s 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

The short answer? YES! At Nifty Personal Loans, we’re on your side if you receive Centrelink.

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

We will not conduct a credit check through a credit bureau.

Repayments

Weekly

Fortnightly

Monthly

s 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.

centrelink

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’s instant loans next time you need a helping hand.

Nifty is as Nifty Does

So what do you need to do if you want to apply for a loan with Nifty and you are receiving Centrelink?

If you don’t know already what kind of Centrelink payments you are receiving and understand how they can work better for you, then you need to investigate and find out how you can make your Centrelink payments work better for you.

The most common Centrelink payments are:

  • Family Tax Benefit
  • Child Support Payments
  • Age Pension
  • Carer’s Allowance
  • Unemployment Benefits

To be eligible for a Nifty cash advance loan you need to be receiving at least $400 a week or $800 a fortnight into a personal account from Centrelink.

You need to be an Australian citizen and over 18 years of age.

If you are not receiving enough from Centrelink per week or fortnight to qualify, it is worth having a look at what other Centrelink benefits you may be entitled to and maximizing your payments before you apply for a loan.

You can visit the Department of Human Services and do a free Centrelink benefits check to make sure you are receiving all the benefits you are entitled to for your circumstances.

Responsible lending

At Nifty Personal loans we adhere to responsible lending policies and we do take them seriously.

We urge you to consider before you borrow money whether the loan repayments are going to be realistic for you? We will never lend you more than you can afford to payback.

Things you should consider when applying for a loan?

Is it going to be affordable?

It is easier to accept money and much harder to pay it back so you should consider this when applying for a loan and only apply for loans when you really need to.

What if I get knocked back from my loan with Nifty Personal Loans?

If we are unfortunately unable to help you with a loan at this time it is usually because we are adhering to our responsible lending policies and you may not be able to afford to repay the loan at this point in time.

However you can apply for a scheme called the NILS or No Interest Loans Scheme, which is offered by the Good Shepherd Microfinance and is designed to be paid back over a longer period of time with no interest or no fee’s charged whatsoever.

This program is also subject to eligibility criteria and only those whom are deemed in need, have a healthcare/pension card and are considered on a low income.

Therefore giving yourself the best chance at being approved is a huge head start to getting the loan you want when you want it and fast!

Get in touch with one of our friendly customer service staff and discuss what the best option for your loan situation would be they are more than happy to help you through the process or give you advise on what you should do.

Apply Now

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.

Q

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.).

Q

You must not have received a Centrelink Emergency payment within the last 3 months.

R

If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).

How customers rate Nifty’s Centrelink Personal Loan?

plf Overall rating: 4.3 out of 5 based on 52 reviews.

This is much needed

★★★★★
5 5 1
Nifty were great I was in desperate need of finance and they were the only ones to help. Others advertise how good they are but then when you apply for finance they won't lend. Thanks to nifty my Christmas will be a little easier.

Wonderful

★★★★★
5 5 1
It was wonderful to do the loan so easy and fast return. In the bank the next day. Will definitely be doing another loan though them in the near future.

Great

★★★★☆
4 5 1
I am relieved nifty gave me a centrelink personal loan while my cash flow was a bit tight. It enabled me to keep working and the repayment plan is reasonable enough to avoid causing any hardship.

Look after centrelinkers

★★★★★
5 5 1
Most companies give people on centrelink small amounts but nifty gives a fair go. I was approved $800 on my first loan.

Awesome team

★★★★★
5 5 1
The team at nifty are so easy to deal with. makes all the difference for me 🙂

Fast loans

★★★★☆
4 5 1
Had to get emergency car repairs and nifty helped me get that done.
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