Christmas Loans | Personal Loans for Christmas Shopping
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What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

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 might be able to help ease the burden with our 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? Nifty’s Christmas loans are personal loans that range from $2,100 to $15,000. 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.

If you apply during our regular business hours, then you could receive an outcome on the same day*! Once the Nifty team has received your application, will assess your financial situation to see whether you’re suitable for a loan. If approved, we’ll send you through a loan contract.

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 your account and ready to use in 60 seconds**.

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:

  • 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?

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 and employment details

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:

  • Fast application
  • Quick approvals
  • Same day loans
  • Instant fund transfer**
  • No hidden costs
  • No early exit fee
  • Helpful and friendly customer service.

Most importantly, Nifty understands that life doesn’t always go to plan, even during the festive season. This 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!

Ready to Apply?