*During normal business hours.
*Only available for NPP enabled bank accounts
- It's possible with Nifty.
There’s nothing quite so rewarding as sitting back after a hard day’s work on the farm. The fresh country air, the sound of animals settling down for the night, and the knowledge you’re a valuable part of Australia’s backbone all tie together to create a type of satisfaction that you just can’t find anywhere else. Of course, every farm also comes with a never-ending set of challenges and new opportunities. These expenses could potentially be achieved or assisted by one of Nifty’s farm loans. If you’re looking to fix up your fences, upgrade your equipment, or perhaps invest in your livestock, then you’ve come to the right place.
Nifty Loans is a quick, hassle-free way for you to get loans from between $300 and $5,000 fast. Applying is a 100% online process (no overflowing mounds of paperwork) with easy instructions and should only take a couple of minutes to complete.
Once you’ve submitted your online form with all your information, we aim to have it assessed within 60 minutes of normal business hours. If you’re approved and the contract is finalised, we’ll deposit your loan straight into your account. Depending on the time you started the application, you should have access to funds either the same day or first thing the next morning. It’s why they call us Nifty!
Despite our quick response time, Nifty Loans pride ourselves on how thorough we are with verifications. The last thing we want is to put you in trouble. So, we study your financial situation carefully to ensure we never lend you more than you can afford. Don’t worry — bad credit is by no means a deal-breaker, nor is receiving Centrelink payments, as we look at a wide variety of factors before deciding whether a loan is the best thing for you.
Nifty offers unsecured personal loans from $300 to $2,000. If your farm needs are a little more expensive, then larger loans of up to $5,000 are available, but these will require equity like a boat, motorbike, caravan or car for security.
We’re devoted to making this as convenient a process as possible, and our strategies mean we can be more flexible than traditional lenders. As such, we’re one of the simplest choices when it comes to agriculture loans; we handle the tricky stuff on our end and leave you to focus on more important matters.
Nifty offers personal loans for a variety of reasons, and a common one is to help out with the issues that farmers might face on a daily basis. Perhaps you’re hoping to buy a new tractor, or there’s a limited-time deal to buy a new piece of land, or you’re getting a loan to buy cattle. Maybe a new pest is eating your crops and you need some fast cash to protect it. Whatever the case, one of Nifty’s farm loans should be able to help.
We understand that sometimes expenses come up that you didn’t budget for. Starting out in a new business will lead to surprises nobody warned you about; even with a lifetime of practise you can still be caught off guard. In those cases, you might need money faster than a bank can provide, if you even have a farm lender nearby.
As we are totally online, Nifty is always ready with farm loans for new farmers and for old, and the money can be in your pocket within a few short hours.
So whether you need a farm development loan or a way to buy some of that particularly beautiful livestock you saw for sale the other day, Nifty has your back.
You might be wondering if you and your farm are eligible to sign up for one of our agriculture loans. Well, there’s no need for you to keep wondering — our requirements are as simple as the rest of our company policies.
To apply for one of Nifty’s farm loans, all you need is to:
As a responsible financial lender, we decide on a case-by-case basis and we can’t promise that just meeting these requirements will get you a loan. But if you tick each point on the checklist, there’s no risk in applying anyway to see what the answer is. Nifty views our clients as individuals and we won’t make any sweeping judgements without considering your application in depth.
Nifty does check applicants’ credit scores, but that’s no reason for you to feel discouraged. We understand that every once in a while something can come up that will leave a mark on your record, and we understand that tricky situations exist. These things aren’t always your fault and don’t necessarily reflect on your level of responsibility when it comes to money.
We at Nifty believe in the power of second chances, which is why we look at a variety of different factors — such as your current financials and how you balance them — before making our decision. Our clients should never worry about their past holding them back from their future.
For more information, feel free to look at our policy on Bad Credit Loans.
By now, you’re probably thinking how amazing this all sounds, and wondering how you could apply for your own farm loan, and what would happen if you did. Well, we handle almost everything on our end, complete with detailed instructions on what you need to do, and through most of the process your only responsibility is to relax.
This is the most intensive thing on your side of the process, and it only takes a matter of minutes to complete. All it involves is filling in a couple of details into a form (contact numbers; reason for applying; bank account details; employment/MyGov details if relevant). Then hit submit.
We take a thorough look at any potential client’s finances. The last thing we want is to put you in a bad position, and we need to make sure you’ll be able to repay a loan without getting yourself into trouble. Still, we should have a decision ready in 60 minutes (during normal business hours). Sometimes our team will need to get in contact if we need a little more information. Don’t take that as a bad sign — we’re very friendly. If you’re successful, we’ll send through an electronic contract for you.
This is no big exercise on your part. Just a quick read through to double-check you agree with all the terms and then signing your name on the dotted line. Easy!
If you’ve accepted your contract during business hours, the funds should be in your account that same day. If you signed out of hours, we’ll likely get it to you first thing in the morning.
It’s done! You now have your very own Nifty farm loan and contract. Feel free to celebrate just how easy the whole thing was, maybe with a funky dance.
We understand that the phrase ‘online lender’ might hold negative connotations. At Nifty we don’t blame you for your hesitance, and so we spell our policies out transparently.
Part of the application process for farm loans involves asking you to give us your bank account details, which experience has probably taught you is a risk. But don’t worry — our motives are completely honest. Using secure banking technology, we access read-only statements about your financial history so that you don’t need to be the one digging for them.
These statements are part of the reason why Nifty can lend to people with bad credit, because we look at more than one detail before accepting a loan. Everything about it is designed for your convenience, and our loan assessors can’t touch your actual accounts.
Nifty likes to be convenient, and our repayment process is no different on that front. We’re completely open about every possible cost you might find (no hidden fees or nasty surprises) and we have a range of flexible options. You can choose whether you want to pay weekly, fortnightly, or monthly, and we can set up an automatic direct debit that you don’t need to worry about forgetting. We can even schedule it to match your payday to ensure you’ll have enough in your account when it comes time.
|Small Loans (between $300 and $2,000)||6-9 months|
|Medium Loans ($2,001-$4,600)||9-24 months|
|Large Loans ($5,000)||9-24 months|
As soon as your loan is paid off, the payments will automatically stop, so you don’t even need to worry about forgetting that.
Some lenders add costs if you pay off your loan earlier than expected. We at Nifty don’t really understand the point of that. Being good with your numbers should be encouraged, and we can assure you that there are no unexpected penalties for beating the predictions. In fact, quick payments have been known to help you save money with fewer fees.
We get it. Life can be expensive. We’ve built our company around the fact that sometimes hard-working Australians need a little cash on hand immediately. Maybe you’ve gotten a loan to buy cattle and you’re just starting to pay it off when your trusty fence crumbles on you. In that case, Nifty might be able to help.
Generally speaking, we allow clients to take out one small loan ($2,000 and below) and one medium loan ($2,001-$4,600) at the same time. We’ve also been known to discuss having two medium loans out at once. Each case will be assessed independently, so having one loan does not guarantee another. If a second loan is approved, then both will run simultaneously with two separate repayment plans being set up.
Unfortunately, part of being a responsible lender means that we have rules to avoid overwhelming clients with future repayments. If you already have a small loan, you will need to pay it off in full before taking out another.
That said, once you finish your current loan, you can apply immediately for a second. Our regulations are designed to help people like you, and we try to remain as beneficial as possible.
Finding ‘farm lenders near me’ might seem like a daunting task. Yet because of Nifty there’s no need to overthink it. We know that farms are hard work, and we want to do our part to make it easier. Our process is quick, simple, and if you have any further questions you can contact customer service at any time during business hours. Alternatively have a look at our FAQs to see if your question has already been answered there. So apply for one of our farm loans today and take the next step in making your dream farm a reality.Apply Now
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$2,001 - $4,600
$300 - $2,000
* 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.