Loans for People on Centrelink | Fast Online Personal Loans

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Loans for people on Centrelink

Finding a loan while receiving Centrelink benefits can be difficult. If you’ve been searching for a personal loan on Centrelink,then we may be able to help. Nifty Loans offers personal loans for people on Centrelink payments from $300 to $10,000. 

Centrelink, otherwise known as the Department of Human Services, is an Australian government program that delivers Commonwealth services to Australians. Their goal is to support those in need and, eventually, help them become self-sufficient.

Here at Nifty Loans, we consider most Centrelink payments as income. The different types of Centrelink payments that are accepted can vary from lender to lender. It’s essential to understand which payments you receive prior to applying for your loan.

There is no shortage of Centrelink payment types. Here are some of the most common benefits:

  • Age Pension
  • Carer and Disability Payments
  • Education Payments (Austudy, ABSTUDY)
  • Jokseeker (Previously Newstart Allowance) 
  • Parenting Payments 
  • Remote Area Allowance
  • Youth Allowance
  • Widow Allowance

At Nifty Loans, we offer an array of loan types for people receiving Centrelink. If you’re receiving one of the following Centrelink payments then you are eligible to apply for one of our loans: 

Centrelink PaymentAccepted
Age Pension
Family Tax Benefit
Disability Support Pension
Carers Payment
Parenting Payment
Farm Household Allowance
Widow Allowance or Widow B pension 
Wife Pension

Unfortunately, we generally don’t accept applicants who receive either JobSeeker, Austudy, Abstudy or Youth Allowance as these are considered to be temporary sources of income. 

Applying with Nifty is fast and easy 

Now that you know whether you are eligible for one of our Centrelink loans, let’s take a look at the loan types we offer. Applying for Centrelink can be an extremely frustrating and time-consuming process. Here at Nifty, we like to keep things simple with our 100% online, paperwork-free application that can be completed in minutes. 

Our loan options

Loan TypeAmountTerm (Months)
Small Loan$300 – $2,0006 – 9
Medium Loan$2,100 – $4,6009 – 24 
Large Loan$5,000 to $10,0009 – 24 

If you receive Centrelink benefits, you may be eligible for an advance payment. What this means is that you could receive a portion of your payment early. You’ll then be required to pay it back later out of your payments. You can apply for a Centrelink advance at any time if you receive one of these payments: 

  • Abstudy
  • Austudy
  • Youth Allowance for students
  • Family Tax Benefit
  • Mobility Allowance

If you have been receiving benefits for at least three months for these payments, you can also apply for an advance payment:

  • Age Pension
  • Carer Payment
  • Disability Support Pension
  • Farm Household Allowance
  • JobSeeker Payment
  • Parenting Payment
  • Widow Allowance
  • Youth Allowance for job seekers

This should always be your first option when searching for a loan on Centrelink for many reasons, but most notably: these loans incur no interest and you can repay the advance out of your future Centrelink payments. For more information, visit the Department of Human Services

Nifty loans – how it works 

Applying for a loan with Nifty couldn’t be easier with our simple, quick and 100% online application process. You can apply whenever, wherever; whether you’re at home or on the go! If you’re ready to get started with an application, here’s what you’ll need to do.

Apply Online

Head to the top of this page and click ‘Apply Now’ which will take you to our application. This takes most people under 10 minutes to complete. 

We assess your application

Our team will then assess your application and get back to you ASAP. If you submit your form within our business hours, you could hear back from us in 60 minutes*.

Sign your agreement

If your application is successful, we’ll let you know and send you an e-contract for you to review and sign. You’ll be required to digitally sign this contract. 

Get your cash

Once we receive your signed contract, we will transfer your cash straight into your bank account. Thanks to instant banking (supported by most banks) you could have your cash within just 60 seconds*.

Eligibility criteria

To be eligible to apply for a fast cash loan with Nifty, here are a few things you need to be able to say ‘yes’ to:

  • Be an Australian citizen or permanent resident
  • Be over 18 years old
  • Have a regular income into a personal bank account for at least 3 months (we consider Centrelink payments as a regular income)
  • Have an active mobile number and email address

It’s that simple! If you match this criteria, you’re all set to apply for your personal cash loan with Nifty. 

Will I qualify for a loan if I’m on Centrelink?

Depending on what type of Centrelink income you receive, you could definitely qualify for a loan with Nifty. We accept most forms of Centrelink as a regular income; however, we do not accept JobSeeker, study allowances or Youth Allowance as they are considered temporary payments. We do accept Age Pension, Disability Pension, Family Tax Benefit and Carers Payment as income for a Centrelink loan.

How much can I borrow?

You can borrow anywhere between $300 and $10,000. We offer three different loan types: small loans, medium loans and large loans. Depending on how much you apply for, loan terms will range between 6 and 24 months. 

I’m on Centrelink, can I get a loan with bad credit?

Worried about your credit score? Don’t stress – we can offer Centrelink loans to people with bad credit. We don’t believe your past should define your future. Why should a credit default from years ago stop you from receiving finance options today? While we cannot provide ‘no credit check loans,’ we will look at more than just your credit score. So, if you’re worried you will not be approved because of your credit score, rest assured that it will not be the determining factor of your application.

What can I use a personal loan for?

Just because you receive Centrelink doesn’t mean you shouldn’t borrow money for some financial flexibility. Here are just some of the reasons people take out personal loans:
– Taking a mini-break
– To buy a new or used car
– Tidy up some of those pesky bills
– Update your home decor
– Upgrade your bathroom or kitchen
Emergency medical bills

If you find yourself in a pickle and in need of some quick cash on Centrelink, you can always turn to Nifty. Have all your supporting documents handy, meet the necessary assessments, and you could get your cash on the very same day.

If you have any questions or need further support, contact our friendly customer service staff.

Apply Now

Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
View Loan Details

* 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.