Unexpected bills loan up to $5,000. Apply!

unexpected bills loan

Did you get an unexpected bill recently?

It happens to the best of us, we’re going about our normal routine until we’re surprised with that damn bill.

Anything could happen! For example, you had to take your pet to the vet because they ate the plaster off your wall! Then you need to get a handyman out to replaster and repaint the destroyed wall. Yep, that could totally happen and we’re tired just thinking about it! You could even be eligible for an instalment loan with Nifty! Worried that bad credit could stand in your way? It doesn’t have to – apply for a bad credit loan today!

Are unexpected bills getting you down?

It can be such a pain when things don’t go to plan. If you can’t find enough cash in the bank, check out our unexpected bills loan!

Nifty Loans offers convenient, fast, fuss-free, fair loans. We understand that sometimes life throws you unexpected bills and we want to help ease that stress.

So why choose Nifty Loans?

Here at Nifty Loans, we believe we have the best customer service to assist you in getting a loan! All of our customer service staff are based in Australia because we are an Australian company! We look at how you currently manage your money, rather than focusing just on your credit history. Of course, being a responsible lender, we won’t offer you a loan you simply can’t afford.

Since we are 100% online, you don’t need to wait to apply. If you apply during business hours, you’ll likely receive an outcome within 60-minutes! Did you apply outside of our business hours? No worries! We’ll get you an application outcome first thing next business morning when we’re back in the office.

So what is an unexpected bills loan?

Did your quarterly rates creep up on you yet again? Maybe it was a huge mobile data bill. No matter what the bill is, we can help you out.

An unexpected bills loan is a small, fast, 100% online loan, between $300 – $5,000.

Our application form can be completed in just minutes, how easy is that! Once you’ve submitted your application, we’ll try to get back to you within 60 business minutes (during normal business hours)! Don’t worry too much if it takes us a bit longer than 60-minutes though, sometimes we need extra information from you so we’ll be in touch!

When you apply, you’ll need to have a few things on hand. Have your contact details ready, such as your email address and mobile number. You’ll need to give us a reason for the loan, so put down as many details as you can.  Know how much your expenses are, like bills, rent, and groceries, we’ll want to know.

To meet our eligibility, all you need is to be over 18, have a regular source of income being deposited into a personal bank account and be an Australian citizen or permanent resident. Match all of these? You can apply!

Are you looking for an unexpected bills loan?

Then look no further! Nifty Loans are here to help you!

Here at Nifty Loans, we understand the various expenses life can throw at you. That’s why we offer loans for such events like car repairs, dental bills, medical bills, and rental bonds.

No matter what surprises life brings to you, you know you can turn to Nifty to apply for a quick personal loan online!

Do you perform credit checks?

As a responsible lender, we do credit checks on all loans. However, we also take your current relationship with money into account.

Here at Nifty Loans we believe that everyone deserves a second chance and you should be able to put your credit history in the past!

We believe that we can get more accurate, up to date snapshots of your current relationship with money by looking at 90-days worth of your bank statements rather than relying on your credit history alone.

Have any more questions? The Australian Government website MoneySmart might have the answers you are looking for!

No hidden costs

If you’ve found yourself in a pickle, the last thing you need is ambiguous costs. So, that’s why we are 100% upfront about all our loan costs. All the fees and charges associated with your loan will be included in your loan contract. For a basic idea of what your Nifty loan may cost, you can find some examples at the bottom of the page for the following loan types.

  • For small personal loans: unsecured loans from $300 to $2,000
  • For medium personal loans: secured loans from $2,001 to $4,600
  • For large personal loans: secured personal loans of $5,000

Other fees and charges may be payable. If you fail to make a repayment without notifying us of any changes in your situation, additional fees may be added to the balance of the loan. If you find yourself confused by the fees and charges in your loan contract, don’t hesitate to get in contact with our friendly team of loan specialists.

What if I have had bad credit in the past?

Got a bad credit rating? Not a problem!

Because we believe that everyone deserves a second chance, we can help get you back onto the road to financial success. Submit an application and we’ll see what we can do for you.

A bad credit rating doesn’t mean you’re a bad person. Maybe you forgot to pay a utility bill on time or struggled to make ends meet because you were having a bit of bad luck on the job front. We assess all our applications on a case by case basis and we encourage all those looking for an for quick cash to apply. Have a chat with our friendly customer service staff about your whether your eligible to apply. What if I want to apply outside of business hours? We are 100% online, so you can apply for an unexpected bills loan whenever it suits you! Our quick application takes minutes to fill out. Once you’ve sent it through, you could be approved in 60-minutes during business hours when you apply in normal business hours.

Hit the APPLY button and you could be on your way to solving those money dilemmas.

What if I’m on Centrelink? Am I still eligible to apply?


As long as you have regular Centrelink benefits paid into your own bank account, you are eligible to apply for an unexpected bills loan.

As a responsible lender, we only lend to those we truly believe can afford to make their repayments.

How do I repay my loan?

Repaying your unexpected bills loan is easier than you think!

Once your loan has been approved, we will set your repayments up as a direct debit. Your direct debits will automatically be debited from your account, so you won’t ever have to worry about remembering to make your repayments! Just make sure you have enough moolah in your bank account when your repayments are due.

Once your loan term is completed your direct debits will automatically stop. It really is as easy as that!

What are you waiting for?

We are an Australian based company with local customer service representatives to help you with your application. Because we are 100% online, you could be assessed for your unexpected bills loan before you know it!

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


"i have found the nifty team to be quick helpful friendly and always try to exceed there expectations ."

- Colleen Hogden


Types of loans