Unexpected Bills Loan

How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


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(%)

Unexpected bills loan, 100% online, 60 min approval. Apply Now!

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!.

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 Nifty 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. You’ll also be able to find out if you were approved within 60 minutes during business hours. 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 – $4,600.

The average time it takes our customers to fill out the application form is 4 minutes, how easy is that! Once you’ve submitted your application, we’ll try to get back to you within 60 business minutes! 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. If you know how much your expenses are, like bills, rent, and groceries, we’ll want to know. Also don’t forget your bank statements, which can be submitted electronically so you won’t have to run off to the bank!

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, we’ve got your back!

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.

If you see a lender offering no credit check loans, you might want to think twice. Lenders that don’t perform credit checks can end up being less than reputable. Sometimes you can end up getting hit with hidden fees and costs and end up owing so much more than you should!

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

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 unexpected bills loan to apply. Have a chat with our friendly customer service staff about your eligibility for a Nifty unexpected bills loan.

What if I need an unexpected bills loan outside of business hours?

Because we are 100% online, you can apply for an unexpected bills loan whenever it suits you! On average, our application takes 4 minutes to fill out. Once you’ve sent it through, you could be approved in 60 minutes during business hours.

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

What if I’m on Centrelink? Am I still eligible for an unexpected bills loan?


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 unexpected bills 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 in line with your payday so you won’t ever have to worry about remembering to make your repayments!

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

What do I need to know when I am applying for an unexpected bills loan?

Is this loan right for me? Who is it for? Does this loan tick all the boxes of what I am looking for with an unexpected bills loan?
To be a successful applicant you first need to be:
  1. 18 yrs of age.
  2. Have a regular source of income.
  3. A permanent Australian citizen or permanent resident.
  4. Have a current contact number and email address.

What are the repayment terms? Terms may vary due to loan differences but generally repayment terms will be up to 24 months.
Available Loan types Fixed
Lender Nifty Personal Loans

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 within 60 minutes!


who can apply?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

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%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

How customers rate Nifty’s Unexpected Bills Loan?
Unexpected bills loan up to $4,600. 60 min approval. Apply! Overall rating: 4.8 out of 5 based on 20 reviews.

Quick personal loans

5 5 1
I was very happy with the service that I have received and I would recommend your service to family and friends It was extremely simple to apply and they were only a phone call away if i needed assistance. It was hard waiting to know if i was approved but it all went through within an afternoon.

Very helpful

5 5 1
I am very happy with the help and commutation Level between myself and Nifty Finance. Massive help in a sticky situation.

Fast Outcome

5 5 1
I was pretty surprised how quick it was - great serivce - thanks!

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