Car Registration Loans | Fast Loan Outcomes up to $10,000

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Fast Personal Loan

up to $5,000


Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

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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.

Car Registration Loans

Nifty Loans offers car registration loans up to $10,000 to eligible customers.

Nifty Loans offers car registration loans 100% online. This gives you the ability to pay this large expense in manageable instalments, rather than one lump-sum payment. 

Car registration causing you frustration?

The cost to register your car each year continues to rise, often getting into hundreds if not thousands of dollars. If you cannot manage this cost up-front, Nifty Loans offers car registration loans from $300 to $10,000. 

Nifty Loans is a 100% online lender that specialises in speedy loans. Nifty offers one of the fastest loan services in Australia, with 60-minute loan outcomes often delivered (if applied within business hours). Upon approval, Nifty can offer instant transfers to customers with NPP-enabled bank accounts.

What are car registration loans Australia?

A car registration loan can be used to cover the cost of registering your car for either half or the entire year. Nifty Loans offers car rego loans from $300 to $10,000 with flexible repayment terms. Our loan options fall into three categories: small loans, medium loans and large loans.

Small unsecured loans are personal loans that range from $300 to $2,000. The repayment terms for this loan type ranges from 6 to 9 months. 

Medium loans are secured personal loans that range from $2,100 to $4,600. Being a secured loan, this loan tier requires an asset to be attached to the loan as security. This loan can be repaid between 9 to 24 months. 

Large secured loans range from $5,000 to $10,000 and can be repaid over 9 to 24 months. For more information about our loan offerings, visit our costs page.

How to apply

Applying for a car registration loan is simple and easy with Nifty’s online application form. It takes just a few minutes to complete the application. If applied within our business hours, we will endeavour to deliver your loan outcome within 60-minutes. If approved, we offer instant payouts to eligible customers, so you could have your cash ready to use within just 60-seconds*! Ready to apply? Follow these simple steps and apply for your car registration loan today.

Step 1: Apply online

Select the amount you wish to apply for and your desired repayment terms. Complete the rest of the form, including attaching all supporting documents, and submit your application.

Step 2: We assess your application

Once we have received your application, our team will begin to review your request. We will conduct a thorough financial assessment to ensure you can manage your desired loan amount. If we cannot approve you for the amount you requested, we may be able to offer you a lower amount.

Step 3: Review and sign your contract

We will contact you to let you know the outcome of your application. If your loan was approved, we will send you an e-contract for you to review and sign. We encourage all of our clients to read their contracts carefully, as it will include all fees and charges clearly stated.

Step 4: Receive your cash

As soon as we receive your signed contact, our team will transfer your approved funds straight to your bank account. This means you could have your money ready to use within 60-seconds*!

Eligibility requirements

Before we can approve you for your quick cash loan, we must first verify your loan eligibility. We have some standard eligibility requirements that all of our applicants must meet, so ensure that you verify your eligibility before you apply.

  • You are at least 18 years old
  • You are an Australian citizen or an Australian permanent resident
  • You have had a consistent income into your bank account for the last 90 days
  • You have an active mobile number and email address
  • You have internet banking set up

Supporting documentation

To ensure your loan can be processed as fast as possible, provide all the required supporting documents when you submit your application. Have all of these documents handy when you apply:

  • 100 points of ID
  • Your basic personal information (full name, D.O.B, address etc.)
  • The reason for your loan
  • Your online banking details (to access copies of your bank statements)
  • Your myGov details (if you receive Centrelink benefits)

Do you offer loans for other car-related expenses?

Not only do we offer car registration loans, we also offer other car-related financial assistance. Here are some examples of other costs we may be able to provide you with a loan to cover:

  • CTP insurance: you can expect to pay upwards of $300 for CTP insurance, as it is compulsory insurance in Australia; there is no way to avoid this cost
  • Car insurance: there are a number of insurance options for you to consider, along with the compulsory CTP insurance. If you choose comprehensive car insurance, this is often hundreds of dollars
  • Car repairs and maintenance: it is recommended to get your car serviced half-yearly. This can often be very expensive, especially if repairs are needed.

Can I get a car registration loan with bad credit?

Nifty Loans is an online lender. This means that, unlike traditional lenders, we can be more lenient in our credit requirements. We will conduct a thorough financial analysis, including a credit check and assessment of your bank statements, to ensure that a personal loan is affordable for you. If we determine that you can manage your loan, we may be able to offer you a bad credit personal loan.

While we may be able to offer you a loan with bad credit, every application is subject to a thorough assessment. We adhere to the responsible lending guidelines set by ASIC and will never lend an applicant money if we believe they cannot afford to repay their loan. 

Car registration on Centrelink

Are you currently receiving Centrelink benefits and unsure if we provide car rego loans Centrelink? We provide loans for Centrelink customers because we consider most Centrelink payments as regular income. As long as you have been receiving your government assistance for more than 90 days and meet the rest of our eligibility criteria, we may be able to provide you with a quick loan. We will do our best to get back to you within 60-minutes of submitting your application (if you apply within our business hours).


How much can I borrow with my car registration loan?

You can borrow for any amount from $300 to $10,000 to cover your car registration expense. We will assess your affordability and offer you a loan amount to suit you.

How do I repay my loan?

We will set up a direct debit in line with your pay cycle. In this way, as soon as you are paid, your loan repayment will be deducted from your bank account. When your loan has been repaid, we will stop your loan payments.

Can I repay my loan early?

We do not charge early exit fees on our personal loans. If you can repay your loan early, you are free to do so with no additional costs added to your loan. This could save you money on interest or monthly fees.

How are car registration costs calculated?

Vehicle registration is usually made up of 3 components:

  • Vehicle Registration Fee: this provides essential funding for transport infrastructure and maintenance
  • Traffic Improvement Fee: this is a non-refundable fee collected by the Department of Transport and Main Roads for construction and maintenance of the state’s road network
  • Insurance: each state has its own version of basic level, third-party insurance. If a personal causes injury to someone else in a motor vehicle accident, this insurance protects the vehicle owners and drivers from being held financially responsible. This doesn’t cover the cost of damage to the other person’s car or property. 

Queensland, South Australia and Tasmania currently charge according to the number of cylinders a vehicle has. The larger the number of cylinders, the higher the fee. These are grouped into main cylinder groups, 2, 4, 6 and 8. 

Victoria charges a flat fee for all light vehicles, although the fee is determined by the location the vehicle is kept, i.e. metropolitan area, outer metro and rural. The further out from the city, the lower the fee. This is because the city is considered a high risk area whereas a rural area is considered low risk. 

New South Wales, Western Australia and the Australian Capital Territory’s fees are based on the individual vehicle’s tare weight. 

The Northern Territory bases their registration fees on engine capacity.

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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.