Have You Been On The Hunt For A Home Improvement Loan? Why Not Let Nifty Help…

Home Improvement Loans

Picture this: While enjoying your morning coffee, you see a family moving into their newly-built home in the same street as yours. You notice the minimalist aesthetic and modern touches of their home and start thinking about your own. You start remembering your plans for renovating the bathroom and maybe modernizing the kitchen. But, you couldn’t make your plans a reality. What could be the reason? Why not apply for a home improvement loan with Nifty today!

The reason you had to put off home improvement was that you didn’t have enough savings for the renovation. Most of us can’t simply paywave our home renovations away because they are such a costly affair. So, while savings for renovation is an option, it takes a long time. Moreover, most of the time the savings aren’t enough to cover a major renovation project. So, if you don’t have enough to pay for the renovation, a better option could be to use a home improvement loan. Nifty could even provide you with a one hour loan today when you really need it. Got a bad credit score? It doesn’t have to stand in your way anymore… you could apply for a bad credit loan with Nifty today!

At Nifty, we offer home improvement loans to everyday Aussies that are looking for a helping hand. With a home improvement loan, you may be able to remodel your kitchen, extend your bedroom, fix your roof or complete other home improvement projects. It could help you spruce up your home without paying for the renovation in one go.

Applying for a home improvement loan with Nifty is simple. All you have to do is complete an online application. We’ll evaluate the application and aim to provide you with an outcome within 60 minutes (during normal business hours).

Small Home Improvement Loans

You may be thinking what a home improvement loan is and how you can use it? Well, home improvement loans from Nifty are personal loans that you can use to pay for your renovation or home improvement project. If you wish to give a little boost to your kitchen or bedroom or are thinking about changing the décor, you can apply for our small home improvement unsecured loans. These loans range between $300 and $2000 and they’re home improvement loans with no equity. This means that you don’t have to provide a car, boat, or motorbike as equity for securing the loan. Want to know more about easy approval loans – click here!

Large Home Improvement Loans

Bathroom remodels, kitchen remodels, basement remodels and room extensions are major home improvement projects. For these kinds of projects, small unsecured personal loans may not be enough and Nifty knows this. This is why we offer a large secured personal loan for major home improvements. With our large secured personal loan of $5,000, you may be able to complete a major home improvement project to spruce up your property.

What a Home Improvement Loan May Cost You?

Right now, you might be wondering what a home improvement loan from Nifty could cost you. Costs differ depending on the borrowed amount. Just visit our costs page to see some examples to give an idea about what your home improvement loan may cost you.

Just keep in mind that Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.

Can I Get a Home Improvement Loan with Bad Credit?

While relaxing on your bed sipping a cup of tea, you start thinking that it’s about time you tear out that old kitchen and build a more usable and modern kitchen. Or maybe you begin to daydream about a new coat of paint that’ll brighten up the dull exterior of your home. You know that you don’t have the funds to make this happen. However, you’re aware that a personal loan for home improvement could make your dream a reality.

So, you apply for a loan with different lenders only to find that none of them are willing to lend you money. Traditional lenders can reject clients for simply having not-so-perfect credit or if they are receiving Centrelink.

Bad credit can haunt people for years and close many doors to them. Lenders could shy away from bad credit borrowers because they think it’s riskier to give them a loan. However, all hope is not lost as Nifty may be able to help you.

We have our doors open to all borrowers regardless of their credit. We won’t judge you based solely on your credit score and won’t deny you for a couple of past mistakes. That’s because we believe that you shouldn’t be punished for bad credit.

At Nifty, we do check your credit score when assessing your loan application. But, we consider several other factors too. We look at the positives in your application instead of just focusing on the negatives. That means you may be able to qualify for a home improvement loan from us even with a poor credit score. So, don’t let bad credit deter you from applying for a home improvement loan. Want to know more about renovation loans?

Click here to apply for a home improvement loan with Nifty.

Best Home Improvement Loans

If you’ve landed on this page while searching for the best home improvement loans, you’re in luck. With Nifty, you may be able to qualify for a home improvement loan that’s free from nasty gimmicks and hidden charges. We maintain complete transparency in our work and won’t hide anything from you. Everything will be disclosed in your loan contract. We encourage all of our clients to thoroughly read the contract to ensure they understand the terms before signing. If at any point you have a question regarding a potential offer we may have, feel free to contact our service team and they’ll be happy to answer any queries.

With our home improvement loan, you may be able to spread the cost of your renovation project over a period of 3 to 24 months depending on the borrowed amount. Whether you just want to add a bit of sparkle to your bedroom or are looking to replace the windows of your home, we may be able to help you get it done.

Eligibility Criteria For Home Improvement Loans

You may be eligible for our home improvement loan. However, before you apply, just check that you meet these requirements:

  • Are you at least 18 years old?
  • Do you have an internet banking account setup?
  • Have you been receiving a regular income for at least 3 months?
  • Do you have a valid contact number and email address?

If your answer to all of these questions is a “yes”, you are eligible for a home improvement loan from Nifty.

Before You Apply…

At Nifty, we make borrowing paperless and painless. We have a simple online application and you can complete it within a few minutes. However, before you start, have these important details handy:

  • Bank account details
  • Your personal contact information such as your mobile number and active email address
  • Employment information
  • Reason for the loan

You should be able to breeze through the application if you have this information with you when you’re applying. You can send us an email at info@niftypersonalloans.com.au if you have any questions about the application and everything you need for completing it.

How to Apply for a Loan?

Applying for a home improvement loan with Nifty takes only a few minutes. Just follow the steps listed below and you’ll be done with it.

Step 1: Fill the Application

Scroll to the top of the page. Do you see the loan calculator there? Great! Use it to select the amount you want to borrow and choose your repayment period. Next, click the ‘apply now’ button and complete the application.

Step 2: Application Evaluation

Once you have completed the application, our experts will review it to determine if you are eligible for the loan. We will aim to get an outcome on your home improvement loan application within 60 minutes (during normal business hours).

Step 3: Transfer of Funds

If you are approved, we will transfer the funds the same day (provided the contract is signed during normal business hours). Access to funds is subject to inter-bank transfer times.

Why Get a Home Improvement Loan from Nifty?

You may be wondering why you should borrow from Nifty for home improvement. There are several benefits of getting a loan from Nifty. We’ll give you a bite-sized preview of what you get from us.

Fast Response

At Nifty, we make borrowing easier for you. You’ll get a fast response from us when you apply for a loan. As soon as we receive your application, we start evaluating it. You may get an outcome within 60 minutes (during normal business hours).

Quick Transfer

We process applications fast but we’re also quick in transferring money. If you’re approved for the home improvement loan, we will transfer the funds on the same day (provided the contract is signed during normal business hours). At the latest, you’ll have it overnight. Access to funds is subject to interbank transfer times.

No Fees for Early Loan Payment

Do you want to pay off your home improvement loan early? No problem! We won’t charge any fees for early loan payment. In fact, you may even be able to save a few bucks by paying off the loan early.

No Nasty Gimmicks

All our loan products are transparent. There are no hidden fees associated with any of our online loans. You can rest assured that you’ll be paying exactly what you’ve been told.

Simple Repayments

You don’t have to set reminders to make loan payments anymore. That’s because, when you borrow from us, you’ll be set with a direct debit that’ll automatically come out of your account on the day you agree with us to our terms. This way you won’t have to worry about repayments. When you repay your home improvement loan, the payments stop. It’s that simple.

A Few Important Things to Consider

You might need money for home improvement, but that doesn’t mean you should get a loan without considering a few important things. Before you decide to borrow, ask yourself:

Can I Afford the Repayments?

Before you apply for a home improvement loan, determine whether you can fit the loan repayments into your existing budget. We’ll do a complete assessment of your financial condition when you apply, but it’s important that you run some checks on your own too.

Do I Agree to Loan Terms and Conditions?

Once you’re approved for the loan, we’ll extend an offer for home improvement loan. Read the terms and conditions on the contract before you sign it. If you have any questions, feel free to reach out to us.

Apply for a Home Improvement Loan with Nifty

With a loan from Nifty, you may be able to complete that home renovation project you’ve been dreaming about for years. Since you can get a loan for home renovation, there’s no point of putting off home improvement for later. Whether you’re planning a major improvement or a small upgrade, we may be able to help you out with our home improvement loan. So, apply now to see if you qualify for a home improvement loan from Nifty.

Click here to apply for a home improvement loan with Nifty.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$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

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* 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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

My experience was awesome hassle free

"My experience was awesome hassle free I'm happy to recommend you guys to anyone."

- Kellie Flanagan


Types of loans