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

Medical Loans Australia, Instant loans, No credit checks up to $400. Apply Now!

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

Are you looking for medical loans Australia?

Then look no further because Nifty personal loans offer no fuss loans.

Here at Nifty we understand that life can sometimes throw you unexpected curve balls that you can’t always plan for.

That’s why we are happy to offer medical finance loans because we believe everyone deserves a second chance.

We won’t treat you like another number!

What are Medical loans Australia?

Medical loans Australia are small loans offered to customers in Australia who need some help to pay their medical bills.

Repayment terms are usually between 3-6 months and amounts are usually from $100-$2,000.

Where do I go to get one of your Medical loans?

Our processing and applications are 100% online here at Nifty!

For you that means there are no appointments, no queue’s and no bank managers!

This allows us to be more flexible and competitive than most traditional lenders which then allows us to offer more to you our customers! Winning!

All within 60 minutes! Now that’s Nifty!

Do you do credit checks on your medical loans?

No credit checks on applications up to $400!

We offer medical loans because we understand that sometimes life can take unexpected turns and everyone doesn’t fit in the same financial box.

We offer the opportunity for a little more room to move.

Bad credit & medical loans:

Can I get a medical loan if I have had bad credit?

Absolutely!

We believe the past is the past.

We understand that medical bills can get out of hand especially with the difference between gaps charged by Dr’s and anesthetists’ which can give patients unwanted “bill shock”.

This is but one of the reasons why we offer 100% online, fast medical loans.

We believe we can get a much better snap shot of your financially ability to save, from a 90 day bank statement.

How do I get finance for medical expenses and procedures?

That’s easy!

To get your medical loans underway all you need to do is head to the top of the page and hit the APPLY NOW button and fill out our super-fast application form (which usually only takes most people 4 minutes to complete) and we can get the process started.

Once you have lodged your medical loans application it will be sent to the processing department where it will be assessed and you will have a Yes or No answer within 60 minutes!

Once approved you will be sent an acceptance document and upon signing that the cash will be released into your bank account instantly.

How do I repay my medical loans?

Repaying your medical loans couldn’t be easier!

We will set you up with a direct debit that will automatically come out of your account on a nominated day.

Once your loan has been repaid in full, then the direct debit will automatically stop, it’s that easy! What are you waiting for?

Do you charge any fees for paying off my medical loans early?

No!

There are no penalty rates for paying out your medical loans early.

In fact paying out your loan earlier will save you money on fees!

What if I have ongoing Medical bills? Can I get another loan at the same time?

We do not offer multiple loan opportunities at Nifty, however once your loan is repaid you are more than welcome to apply for a new one once your current loan is completely paid out.

Furthermore, medical finance loans are on the increase with the cost of medicine and the slow decline of services covered by Medicare.

Is it any wonder that so many patients are being forced to take out short term loans to pay for their expenses?

Nifty are here to help we are an Australian company with local customer service representatives here to answer your questions, give us a call today!

Is this the product I’m looking for? What should I check for when applying for medical loans?

Who is this product for? Anyone looking for medical loans fast
To be considered for a medical loan you will need to have: Have a regular source of income. Be an Australian resident. 18 years of age.
What are your repayment terms? Repayment terms range from 3-6 months.
Loan types available Fixed
Lender Nifty Personal Loans

Therefore, what are you waiting for? Start your relationship with Nifty Personal loans NOW! And get back onto the path of financial happiness!

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 Medical Loans?

medicalloans Overall rating: 4.5 out of 5 based on 4 reviews.

Easy, uncomplicated, quick and fair

★★★★★
5 5 1
Easy and uncomplicated process. Money is in the bank quickly and charges are fair!

Best loan company to go through

★★★★★
5 5 1
I have not had much luck with any other loan company but NIFTY gave me a go and I would advise others to go through NIFTY as well.

Best small loan company!

★★★★☆
4 5 1
Nifty is by far the best small loan company! No hassle, no fuss, no back and forwards- just straight to the point... or should I say money! I have recommended nifty to all of my family and friends for those unexpected times and I know they will have a great experience like me.
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medical loans