1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Unexpected bills loan $100 to $2,000. 60 min approval, 100% online. Apply now!

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

We will not conduct a credit check through a credit bureau.

Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor 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.).

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

Are you wondering what an unexpected bills loan is?

An unexpected bills loan is a small, fast, 100% online loan, between $100 – $2,000.

All you need to do is fill out our 4 minute application form online by pressing the Apply Now button and you will have a yes or no answer within 60 minutes!

Are unexpected bills getting you down?

Then why not check out Nifty’s unexpected bills loan!

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

All you need is to be over 18, have a regular source of income, be an Australian resident and you can apply!

Do you perform Credit Checks?

No credit check up to $400!

Here at Nifty 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 a more accurate up to date version of your saving’s ability by looking at 90 days worth of your bank statements instead of relying on a credit rating.

What if I have had bad credit in the past? Will my Nifty application be accepted?

Yes.

We assess all our applications on a case by case basis and we encourage all those looking for an unexpected bills loan to apply and have a chat with our friendly customer service staff, about your eligibility for a Nifty unexpected bills loan.

Because we believe that everyone deserves a second chance and we can help you get you back onto the road to financial success.

Are you looking for an unexpected expenses loan?

Then look no further!

Here at Nifty we understand expenses and costs.

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

We are open 24/7, you can apply for an unexpected bills loan whenever it suits you!

No need to wait until business hours to apply for your loan!

We are 100% online all you need to do is hit the APPLY NOW button and fill out the 4 minute application and you are on the way to solving your money dilemma’s.

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

Yes!

As long as you have a regular source of income and are earning at least $400 a week or $800 a month, then you are eligible to apply for an unexpected bills loan.

How do I repay my unexpected bills loan?

Repaying your unexpected bills loan is easier than you think!

We will set you up with a direct debit once your loan has been approved, your direct debit will come out of your bank account on an agreed day and an agreed amount.

Once your loan term is completed your direct debits will automatically stop.

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 resident. 4) Have a current contact number.
What are the repayment terms? Terms may vary due to loan differences but generally repayment terms will be  between 9 to 24 weeks.
Available Loan types Fixed
Lender Nifty Personal Loans

Therefore what are you waiting for?

We are a 100% online company, we offer unexpected bills loans within 60 minutes. We are an Australian based company with local customer service representatives to help you with your application.

WHY WAIT? APPLY NOW!

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.

Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.

Q

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.).

Q

You must not have received a Centrelink Emergency payment within the last 3 months.

R

If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $100 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 9 weeks to Maximum 24 weeks.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

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Loan Amounts: Minimum $2001 to Maximum $4,000.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 12 months to Maximum 18 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty’s Unexpected Bills Loan?

Unexpected bills loan up to $2,000. 60 min approval. Apply! Overall rating: 4.8 out of 5 based on 16 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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unexpected bills loan