Christmas Loans | Personal Loans for Christmas Shopping

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Christmas Loans With Nifty

Longer days, balmy nights, mince pies officially hitting the supermarket aisles, that’s right – the festive season is officially upon us. In the scramble to prepare for Christmas, shopping for presents, food and decorations can add up extremely fast, causing a strain on many people’s budgets.  

Fortunately, Nifty is your one-stop-shop this jolly season! Along with tips on how to cut back on hefty Christmas costs, we can help ease the financial burden with Christmas loans. Find out what these loans are and how they can help you get the most out of the holiday season.

What are Christmas loans? 

In a nutshell – or, in a stocking? We’ll stick with nutshell – Nifty’s Christmas loans are personal loans that range from $300 to $10,000. This means they can be used for a range of expenses, including travel costs. The repayment period on our Christmas loans will depend on the amount you choose to borrow.

How do I apply for Christmas loans?

To get started, use our handy loan calculator to enter your desired loan amount and the repayment period. Hit ‘apply now’, and you’ll be directed straight to Nifty’s 100% online application.

Our application form is quick and simple. We’ll just ask you to provide a few essential details and once we’ve received your application. If you apply during our regular business hours, then you could receive an outcome in as little as 60 minutes!

Once the Nifty team has received your application, will assess your financial situation to see whether you’re suitable for a loan and get back to you with an outcome as soon as possible.  

If our team successfully matches you with an appropriate Christmas loan, we’ll get in touch. The Nifty team will send over an agreement for you to review and sign. Read through your contract carefully and ensure you are aware of any fees or charges that could incur for late or failed repayments. As soon as you’re happy, just sign your agreement and send it back to us! 

As soon as our team receives your signed contract, we’ll transfer the cash straight to your account. Thanks to instant banking, you could receive your money straight to account and ready to use in 60 seconds*.

What types of loans does Nifty offer?

Check out the types of Christmas finance Nifty provides below:   

Loan typeThe loan amountThe loan term
Unsecured$300 to $2,0006 to 9 months (depending on how much you borrow)
Secured$2,000 to $4,6009 to 24 months
Secured$10,0009 to 24 months

Am I eligible for Christmas loans?

Before you apply for our Christmas loans, we have a list of eligibility criteria that you’ll need to meet first. To be eligible you need to:

  • Be 18 years or older;
  • Be an Australian Citizen or Permanent Resident;
  • Receive a regular income (at least 3 months);
  • Have an active Australian mobile number and email address;
  • Have internet banking set up.

What documents do I need to provide?

Don’t worry about any unnecessary documents and paper forms. With Nifty, you just need to fill out a few important personal and financial details, such as:

  • 100 points of ID (name, D.O.B, etc.)
  • Contact information
  • The reason for your loan
  • Internet banking details
  • Your MyGov account details (if you receive Centrelink benefits)
  • Employment details and employer contact information

What can I use a Christmas loan for?

Gifts

You’re at the shopping centre, scaling each store of each level and crossing people off your list. Then you realise, you’ve missed someone… and another someone. The list gets longer by the second, it’s happened to the best of us. 

Whether you’ve got kids who have their eyes on the latest tech and gadgets, parents you want to spoil, or a partner you want to plan a surprise trip for – a Christmas loan could help cover the costs of any of these gifts and more.  

Food and decorations

We all know presents are the crown of jewel of the Christmas season. But don’t forget the food and decorations! A kitchen filled with the aromas of roast ham, seafood, salads and gingerbread, boxes filled to the brim with multi colored tinsel and glittery baubles – these are the things that everyone loves to see during Christmas. 

Yet, when the cost of all of these items begin to grow faster than the money in your bank account, Nifty’s Christmas loans can help ensure you won’t have to leave anything (or anyone) out.

Holiday

Christmas is a time to reunite and spend time with family and friends. If you’re someone who has people close to you living in another state or country, a Christmas loan could help you cover the cost of flights and travel to visit them. Or, if you’re planning on taking a little getaway with some friends or the kids over the holiday period, Nifty’s Christmas loans could cover this too. 

Why choose Nifty? 

Here at Nifty, we like to do things differently. As a 100% online Australian money lender, we pride ourselves on delivering fast loans and excellent customer service. Here are just a few reasons why you’re better off turning to Nifty for Christmas loans:

Most importantly, Nifty understands that life doesn’t always go to plan, even during the festive season. Which is why we put ourselves in every one of our applicant’s shoes to get a better understanding of their unique situation. 

Think we could be the lender for you? Scroll up now to apply today!

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** 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. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.