Travel loans, have you got itchy feet or need to visit that family member overseas? Then let us help! Our travel loans are 100% online, Apply Now!
The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.
The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)
What is a Travel loan?
Here at Nifty Loans, we understand that itchy feet feeling. Has it been awhile since you managed to commit to a good holiday away? Or, perhaps you’re planning a much bigger trip than normal? If you can see your OE coming on, but are struggling to see how you’re going to finance your venture – you’re in the right place. Or maybe you need to do some emergency travel overseas due to unforeseen circumstances?
Regardless of whether you’re planning your dream trip, or heading off on business, Nifty Loans is here to help you out with travel loans. And to sweeten the deal for you, we’re also going to give you a bunch of our personal favourite money saving tips, to get you where you need to be, faster! So get your pen and paper out, cause Nifty Loans is about to give you the lowdown on all things travel!
What are travel loans?
Travel loans is a small fast online loan for those wanting to travel. Whether you’re wanting to travel quickly, take advantage of a deal for future travel or looking into travel loans to contribute towards plans you’ve already booked, Nifty Loans can help you out with a travel loan!
Our travel loans are 100% online and we pride ourselves on our super fast assessment times. Our assessment team works hard to process each and every application with lightning speed and we aim to have your application assessed within 60 minutes, during normal business hours. If we haven’t reached an outcome for you within 60 minutes, don’t panic too much, we may just need further documentation.
Have questions regarding your application? Not a problem! Give us a quick call and we’re happy to help you out with any queries you may have.
What do I need to qualify for travel loans?
We’ve made it super simple to be eligible for a loan.
We require that you:
- Must be at least 18 years of age
- Be a citizen or permanent Australian resident
- Able to show that you a regular income going into a personal bank account
- Have an active mobile number and email address
Does this apply to you? Great! Feel free to head to the top of the page and hit the APPLY NOW button. Just fill in our super quick 4-minute application form and get your loan application processing now!
Can I get travel loans if I am receiving Centrelink benefits?
You sure can! Here at Nifty Loans, we are happy to accept Centrelink benefits as a form of regular income. So, if you’re receiving a regular Centrelink benefit into a personal bank account, you’re eligible to apply for travel loans! Just scroll to the top of this page, hit the Apply Now button and we’ll aim to get you an outcome within 60 minutes.
We encourage anyone to apply and we’re happy to take a look at your application for you.
If you have any questions at all or are unsure whether you qualify don’t hesitate to give our friendly customer service stars a call or email. They’re happy to discuss any questions or queries you may have and enlighten you on all aspects of Nifty Loans!
Do you perform credit checks on your travel loans?
As responsible lenders, we perform credit checks on all of our loans, but they’re not the only criteria that we look at. We believe that your credit report isn’t the be all and end all and shouldn’t automatically exclude you from being eligible for a travel loan. We also carefully look at your current financial situation and how you’re handling your money now and take all this information into account during our assessment.
What if I have bad credit?
We understand that sometimes things can happen that are out of the ordinary. Sometimes these circumstances can lead to a bad credit score. But we don’t judge you solely on your credit score alone, which is why we also look at your current financial circumstances. By looking at your current relationship with money as well as your credit report we aim to ensure that a travel loan is right for you and that you can afford to repay a travel loan within the responsible lending guidelines.
Nifty Loans can help out with travel loans bad credit. This is why we encourage our clients to apply or have a chat with our friendly customer service advisors to see how we can help you!
Have more questions? The Australian Government website, MoneySmart, might have the answers for you.
So how do I repay my travel loan?
We make repaying your loan super easy for you. Think set it and forget it! If your application is approved we set up your repayments to be direct debited in line with your payday. No need to remember about making your repayments as we do everything for you!
The direct debit for your travel loans will also automatically stop once your travel loan has been paid back in full, so you won’t need to worry about overpaying or having to remember to call in to finalise everything. How easy is that??
Nifty Loans travel saving tips!
We’re not just here to help you apply for travel loans!
So, you’re planning your next big adventure but you’re suddenly wondering how on earth you’re going to save up all the funds you’re going to need? If you’re like us and have decided to go big or go home, you’re going to need some serious cash behind you. Welcome to the conundrum we all have when planning where we want to go exploring. If you’ve been hit with a bit of wanderlust and you absolutely cannot, nay will not, sacrifice any of those dream locations, we can help you get where you need to be with our handy-dandy savings tips and tricks! And if you’re thrifty enough, you won’t even have to give up the smashed avo before you go jetting off.
Create (and stick to!) a budget for yourself
As monotonous as it may sound, creating (and sticking to) a realistic budget is going to be your best friend in your savings journey – especially if you have travel loans to pay back afterward. Figure out all of life’s little necessities that we need to pay for to appear to be functioning adults (rent, utilities, food, loan or credit cards repayments, to name a few) and see how much your essential outgoings is per paycheck.
Now, what about those other expenses that aren’t perhaps a necessity? Yes, Netflix, Spotify, that daily coffee or cafe lunch, we’re looking at you. Are these things actually really a necessity? Are you going to die if you absolutely cannot watch the latest show on Netflix? No, we didn’t think so. Cut them from your budget and just watch your savings increase. It really is amazing to see just how much these little expenses amount to.
Now we did promise that you could continue your smashed avo addiction, right? We certainly did. But, it’s time to get smart about your spending habits. Instead of hitting your local cafe for your avo addiction, how about doing a grocery shop, picking up your ingredients on the cheap and making your avo at home? See, easy. Not only will it be a bunch cheaper than if you bought from a cafe, but you’ll likely have a bunch of leftovers as well. That’s right, midnight snack!
Change your lifestyle choices
Little things such as changing which supermarket you’re shopping at can make such a huge difference to your savings. Aldi is about to become your go to.
Love a cheeky night out with the squad? Yea us too. Consider being the DD and taking one for the team. This will not only lead to a (remarkably) cheaper night, but a lot of venues love DD’s and will offer up free non-alcoholic drinks! If you absolutely have to have one or two with the girls, consider pre-gaming before heading out. Avoid the hangover and don’t be scared to check your bank accounts the next morning!
We’re all guilty of a little retail therapy. But in the lead up to your upcoming trip, try reigning back on your spending. Yes, we know just how much you think you NEED those new shoes, and that trendy jumper you’re probably only going to wear once, but really are they completely necessary? No, we didn’t think so. Those random little purchases that we’re all guilty of (a book here, a pair of shoes there, a new piece of technology every few months?) are notorious for eating into both your budget and your savings account. Make do with the items that you already own and cut back on these unnecessary expenses for a while, and your savings account will really thank you.
You’re worth it!
As much as we love and support the whole “treat yourself” mentality, perhaps for just a little while, you should refrain from treating yourself! It’ll be worth it in the long run, we promise.
De-clutter your life
Consider selling off some of your unused items! Let’s be honest, were all hoarders at heart. Do you have a wardrobe full of clothing that you don’t wear anymore, but can’t bear to throw out? Sell it. You’d be amazed what people will pay for good quality used clothing. How about some old technology just sitting there not getting used? Chuck it on eBay or Gumtree, after all, another man’s trash is another man’s treasure. Not only can you declutter your life a bit, but you’ll have a sizeable amount of money towards your travel savings.
Life is already expensive enough without adding a bunch of unnecessary expenses on top of this. Why not get creative and have a bit of fun with your spending habits? You don’t have to live like a beggar for the months leading up to your travels, but you can definitely cull a lot of those expensive habits. If you’re serious about succeeding at your travel savings dreams you’ll be able to make the necessary changes to achieve your goals. We believe in you!
And if, at the end of your savings journey, you find that you still need a helping hand to cover your last expenses, think Nifty Loans. If you have been surprised with an unexpected situation that requires you to travel soon, think Nifty Loans. We specialise in fast, easy, 100% online travel loans Australia to help you get where you need to be, quicker.
Considerations when applying for Travel Loans?
Have access to an active mobile phone number and email address
|Who is this product for?||Those wanting to apply for Travel Loans|
|Who is eligible for a Nifty travel loan?:||To be eligible you need to be:
18 years of age
Have a regular source of income
A citizen or permanent resident of Australia
|What are the repayment terms?||Repayment terms will vary depending on each applicant’s agreement and loan specifications.|
|Available Loan types||Fixed|
|Lender||Nifty Personal Loans|
So, if you’re looking to travel in the future or now, and need a loan quick smart Nifty Loans have the perfect travel loans for you!
We are 100% online, and we can have your application assessed quick smart and we’re right here in Australia! If you have any queries or questions you can call our friendly customer service team to get your trip started!
APPLY NOW! And start your journey with Nifty Personal Loans!!
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.
Able to give us a an active mobile number or email address.
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.).
You must not have received a Centrelink Emergency payment within the last 3 months.
If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).
how it works.
small personal loans.
- Loan amounts: $300 – $2,000
- Terms: 3 months – 6 months
- Establishment fee: Up to 20%
- Monthly fee: 4%
|Term:||10 weeks, repayable weekly|
|Total other fees:||$60|
|Total monthly fees:||4% per month over 10 weeks|
medium personal loans.
- Loan amounts: $2,001 – $4,600
- Terms: 13 months – 24 months
- Establishment fee: up to $400.
- Annual Percentage Rate (APR): 48%
- Comparison Rate: 66.0347%
|Term:||18 months, repayable weekly|
|Total other fees:||$1,378.87|
Want to know something nifty? See how it works!