How it works

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(%)

Loans for People on Centrelink

Receiving Centrelink payments is not a mark against your character. Sometimes we all need a helping hand to boost finances and get us back on track. Loans for people on Centrelink can sometimes be tricky to find. As a result, navigating the sea of lenders that do provide loans for people on Centrelink can be gruelling. In addition, receiving Centrelink payments should not define your entire financial image. As a result, knowing how to look for loans for people on Centrelink can be tricky. Furthermore, certain lenders will automatically judge your situation without even seeing the whole scope of your finances.

So, are there loans for people on Centrelink?

Yes! Traditional lenders may be less flexible when it comes to loans for people on Centrelink, however, don’t fear! There are plenty of variable options for people on Centrelink. It can be difficult navigating the course of loans for people on Centrelink, so here are some handy tricks to keep up your sleeve when you’re on the hunt.

Tips for applying for loans for people on Centrelink

  • Know whether you’re eligible: Before applying for a loan, if you’re on Centrelink, it’s important to know if you’re eligible. Therefore, scan through the minimum requirements for that lender, and see if you meet the criteria before applying. However, most loans for people on Centrelink are assessed on a conditional basis.
  • Read the fine print : Loans may be advised for people on Centrelink, however, it’s important to check other conditions surrounding the approval. Such as a regular income, or employment requirements.
  • Shop around : Furthermore, browse the loan market for the best option that suits your financial needs. Ultimately, decide on a personal loan you can afford to repay.

So, when applying for loans for people on Centrelink, it’s important to know what payments you’re receiving and how they’ll affect your loan application. Furthermore, if you don’t know already what kind of Centrelink payments you are receiving or understand how they can work better for you, then you need to investigate and find out how you can make your Centrelink payments work better for you.

So, the most common Centrelink payments are:

  • Family Tax Benefit
  • Child Support Payments
  • Age Pension
  • Carer’s Allowance
  • Unemployment Benefits

In addition, the different types of Centrelink payments may be accepted varies from lender to lender. At Nifty loans, we accept these Centrelink payments:

  • Aged care pensions and disability pensions
  • Carer’s allowance
  • Family tax benefit
  • Veterans allowance
  • Widow or widower’s allowance
  • However, we generally don’t accept Newstart, Youth Allowance or Farm household allowance as we consider them a temporary source of income.

What’s so great about a personal loan?

Receiving Centrelink payments should not bar you from borrowing money when you need to. A small personal loan provides flexibility for your finances. As a result, there is a myriad of reasons for taking out a small cash loan. In addition to providing you with some inspiration, here a list of reasons people take out personal loans:

However, your reason not on the list? No worries – cash loans can cater to most expenses.

So, what are the benefits of a personal loan?

Loans for people on Centrelink have many benefits when it comes to sorting out your finances. Sometimes life calls for a little pick-me-up and that’s exactly what a personal loan is! Furthermore, here are just some of the benefits of a same day approval personal loan:

  • Flexibility, flexibility, flexibility! A personal loan can be utilised for any purpose. As a result, the world is your oyster when it comes to personal loans for people on Centrelink.
  • Consolidate debt: If you have multiple bills, consolidating all your debt into one loan can reduce your weekly repayments.
  • Emergency funds : So, need money quick? A personal loan is the ticket! Loans for people on Centrelink are typically approved within the same day if you apply for a loan within business hours.
  • Nifty and loans for people on Centrelink

    At Nifty Loans, we know that applicants on Centrelink would have already suffered from an onslaught of paperwork when applying for their benefits. Therefore, at Nifty we offer no paperwork loans for people on Centrelink! So, our loans for people on Centrelink are fast and hassle-free.

    To be eligible for a Nifty cash advance here’s what you need:

    1. You need to be an Australian citizen
    2. Over 18 years of age
    3. You have been receiving a regular income into a personal bank account for 3 months (we consider Centrelink payments as a regular income)
    4. Have an active number and email address (when you apply for a loan for people on Centrelink, we will be spending you important information through both these channels so keep an eye out!)
    5. Furthermore, if you are not receiving enough from Centrelink per week or fortnight to qualify, it is worth having a look at what other Centrelink benefits you may be entitled to and maximise your payments before you apply for a loan.

      Therefore, you can visit the Department of Human Services and do a free Centrelink benefits check to make sure you are receiving all the benefits you are entitled to for your circumstances.

    Responsible Lending

    At Nifty personal loans we adhere to responsible lending policies to provide you with the most suitable instant loan for your circumstances.

    As a result, we urge you to consider, before you borrow money, whether the loan repayments are going to be realistic for you. Furthermore, as we adhere to responsible lending practices, we will never lend you more than you can afford to repay.

    Things you should consider when applying for a loan when you’re on Centrelink

    So, is it going to be affordable?

    It is easier to accept money and much harder to pay it back, so, you should consider this when applying for a loan and only apply for loans when you really need to.

    Why loans for people on centrelink may be knocked back

    If we are unfortunately unable to help you with a loan at this time it is usually because we are adhering to our responsible lending obligations and you may not be able to afford to repay the loan at this point in time.

    Therefore, giving yourself the best chance at approval is a huge head start to getting the loan you want, when you want it and fast!

    Furthermore, get in touch with one of our friendly customer service staff and discuss what the best option for your loan situation would be they are more than happy to help you through the process or give you advice on what you can do.

    So, receiving Centrelink? Apply today for fast and easy loans for people on Centrelink.

    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
    How customers rate Nifty’s Personal Loans
    plf Overall rating: 4.3 out of 5 based on 56 reviews.

    Nifty Personal Loan is the best!

    5 5 1
    Nice and quick. I was kept well informed in every step. So far so good.


    4 5 1
    Excellent! Very prompt and efficient!


    4 5 1
    Prompt Response. Clear understanding of requirement and helpful customer service.


    5 5 1
    Quick, easy and fast service!

    Personal Loan

    5 5 1
    Amazing and easy to use. Absolutely great system. I love how you guys investigate bad credit rather than fail applications. I am very happy overall, and I will use your services again.


    5 5 1
    quick approval, pleasant experience.


    4 5 1
    Great and amazing service, would recommend you to anyone without hesitation.

    quick personal loans service

    5 5 1
    Extremely dependable and effective service.

    thank you

    3 5 1
    The application process was really simple and friendly customer support. No issues up to this point.

    Review Title
    Review Content

    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

    Got everything ready? Apply for your loan today!