Car Repair Loan | $300 - $10,000 | Speedy Approvals | Apply Now!

Apply now for:

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

Estimated repayments:

Your data is secure

Comodo Logo

Trusted by

Trusted Site Logo

Our customer rating

Google Reviews

ⓘ Loan Disclaimer

Brokered Car Loans

We have partnered with some of Australia’s premier brokers to kickstart your car loan search.

Brokered Car Loans Tell Me More!

Don’t Stress About Expensive Car Repairs! Nifty Can Provide You With Easy Car Repair Loans

Car Repair Loans

Did you go to start your car this morning so you could go to work and find nothing happens when you turn that key? We know the feeling! Get your car repair loans with us! At Nifty Loans, and say goodbye to car repair stress and hello to free time, spare cash and no worries!

Nifty - Car Repair Loan

Why Nifty Loans for car repair loans?

We believe you should choose Nifty Loans because, quite frankly, we’re one the best!

As one of Australia’s fastest-growing unsecured, short-term loan lender – we have the guts to meet all your small car loan needs. Whether the family car rego is due in Dubbo, the kids smashed a window in your work ute in Cairns or you’ve just put a scratch on your 1963 Buick Riviera on a visit to Tasmania – Our Nifty Loans Easy Car Repair Loans may be able to help. You could even be eligible for something like an instant cash loan online, wherever you are in Oz!

From the minute your application is received, our team of dedicated loan assessment specialists will be working to ensure you get the best outcome as soon as possible. So, why not turn to Nifty when you need an urgent cash loan!

Furthermore, we strive to have every application assessed within 60 short minutes (during normal business hours)! If approved, you can have the funds in your bank account within 24 hours. Applicants who have an NPP enabled bank account can even get their funds instantly (within 60 seconds)!

What are Nifty Loans easy car repair loans

The Nifty Loans Easy Car Repair Loan is your key to affording those emergency maintenance and repair costs! The cash advance loan can help you finance the costs of:

  • Smashed window repairs
  • Scratch or dent repairs
  • Paint damage repairs
  • Interior or upholstery repairs
  • General auto repairs

Bad credit, or receiving Centrelink benefits? No worries! Just go online and complete the fast minute application and you can still be approved of between $300 to $10,000 repayable over 6-24 months.

Our highly skilled loan assessment team can assess and approve your car repair loans in as little as 60 minutes (during business hours)! Faster financial help equals faster car repairs to get you back on the road sooner.

Did you know that over 700 motor vehicle accidents occur every day on Australian roads? So, it’s always nice to know that you have the help you need when you need it, from us.

Can I get a fast personal loan for my car repair loan?

Generally, each lender will have their own eligibility requirements, so make sure you see whether you qualify before you apply.

To apply with Nifty Loans, you just need to meet the following requirements:

  1. You must be over 18 years of age
  2. Be an Australian citizen or permanent resident 
  3. Receive a regular income into a personal account for at least 90 days
  4. Have an active mobile number and email address

Meet these requirements? Great, then you’re ready to apply! Scroll up and use our loan calculator to complete our loan application. 

How fast can I receive my funds?

With Nifty on your side, you can receive your funds almost instantly! If your application is approved, and once you sign your loan contract, you could receive your funds in your bank and ready to use in 60 seconds*. Money in 60 seconds is made possible by instant banking, and only available to NPP (New Payments Platform) enabled bank accounts. If you’re unsure whether your account qualifies, you can contact your bank directly.

How fast is Nifty Loans? How many people does this apply to?
You can receive an instant outcome. 70% of applications!
Receive final outcome in 60 minutes (during business hours) This applies to most applicants if you didn’t receive an instant outcome.
Cash in your account within 60 seconds of approval! 88% of our customers have cash in their account within 60 seconds of approval.

How to apply for car repair loans?

It may surprise you, but applying for car finance is easy! Don’t take our word for it. We’ll show you.

Part One: Apply online

Our car repair loan service is 100% online! So, no need to worry about endless paperwork or fruitless trips to the bank. Everything you need is just a click away. So, start by simply scrolling up and using our loan calculator. Select how much you wish to borrow and for how long. Once you are happy with your loan terms, click the Apply button and you’re already on your way to completing our car repair loan application.

Keep in mind, however, that this is just an example of the costs associated with a loan of that amount. Additional payable fees and costs may differ from loan to loan. All these costs will be clearly outlined in your loan contract.

Part Two: Assessing your application

After you’ve clicked submit, the rest is up to us. And our team of loan specialists are more than up to the task. They aim to grant you an outcome within the hour (during business hours). That’s Nifty! So, while you’re crushing those candies keep an eye on your emails or texts for exciting info.

Part Three: We deliver your bucks!

If you hear the good news (that you’re approved!), then it’s time to celebrate because your funds will be transferred to your account. Access to funds is subject to inter-bank transfer times.

And that’s it. Just three simple parts and we do most of the legwork! So, scroll up and start our quick application form today.

How much will I have to pay back?

At Nifty Loans, we strive to be completely upfront and transparent when it comes to the costs associated with our car repair loans. When you are sent our offer for a Nifty Loans Easy Car Repair Loan, the document will outline all fees and charges that you may be expected to pay, along with an anticipated total cost.

More importantly, we do this to ensure that you are never left wondering how much you are due to repay that month, or what the additional fees might be.

You can find all the information about the costs associated with a Nifty Loans Easy Car Repair Loan on our website.

How do I find a good mechanic?

Taking care of your car is important, but the person taking care of it has just as much importance too. Although it may be hard to find a mechanic that you trust, there is always a way! Try asking a few of your friends and family who they take their cars to. If a mechanic’s name comes up more than once you could be onto a winner! Another way is to actually take your car on its next scheduled service to the mechanic. While it’s running at its best, it’s better to try it now before something goes wrong.

What car terms should I know before getting my car fixed?

When you go to the mechanic, it’s always best to go with some terminology you know and easily understand. Backing yourself up with some knowledge can help the technician figure out how to fix your car as well as prevent you from getting ripped off. The terms below can help explain what you hearing/feeling from your car:

  • Backfire: A gunshot-like sound that comes from the engine or tailpipe
  • Hesitation: A brief loss of power upon acceleration
  • Shimmy: A side-to-side motion that can be felt through the tyres and/or steering wheel
  • Sluggish: How a car feels when it’s not accelerating smoothly or strongly

There are also car parts and services you should remember before the mechanic reminds you:

  • Synthetic engine oil – This oil can last longer in your car, and can be a lot cheaper compared to other oils as it needs to be changed less.
  • Brake pads – These are rubber pads that help the car stop. They often need to be changed, especially if you tend to slam your brake at last minute.
  • Wheel alignment – This is often done when you get new tyres fitted on your car. It’s always best to check with the mechanic if they’ve done an alignment rather than believing they already have.

The 4 most common reasons for a car breakdown 

Everyone who has a vehicle has or will experience an inconvenient vehicle breakdown at some point in their life. Unfortunately, vehicles and their components will always break or wear out and need updating to keep them running smoothly. So, let’s take a look at the 4 most common reasons for car breakdown and what to look for to avoid it; 

Flat or faulty battery

A flat or faulty battery is the most common cause of car breakdown. This is because, over time, batteries wear out and will need to be replaced after a few years. If the battery has worn out due to age, it will rarely give an indication it’s about to die, the vehicle will just not start. A flat battery can be accelerated if lights are left on for an extended period of time when stationary, leaving the car unused for a while or only being used for short journeys which doesn’t give the battery enough time to charge. With a faulty battery, however, there are some signs to look for to detect a problem, which could be a defective component and will need to be replaced. For example, taking longer than usual to start or when a warning light is on the dashboard when driving. 


Filling a vehicle with the wrong fuel is a more common occurrence than some might think. According to a recent report by the RAA, on average, around 7,500 incidents of misfuelling occur in Australia each year. Each service station colour and label their bowsers differently, so it can be easy to do if you’re filling up tired after a long day at work, driving a different car than usual, in a rush or generally not paying attention, and that quick mistake could end up being an expensive one. If you happen to make this mistake, it is vital not to start the engine and drive away; it could end up costing a lot of money if you do. Depending on the type of vehicle, without starting the engine, there is a good chance only the fuel system will need to be drained and filter replaced. If the car has been driven after this mistake, it could turn into an expensive fix as you will most likely need the fuel and filter system replaced, as well as the engine and the mechanics connected. 

Tyre damage

A flat tyre or puncture is usually a result of running over an unavoidable sharp object. Unfortunately, no matter how careful you are, there is always random debris in the road, and you usually don’t know about it until your tyre goes flat without notice. This one is generally unavoidable until it’s too late; however, it is always best to check your tyres over regularly to ensure there are no foreign objects sticking from your wheels. Poorly maintained tyres, however, will result in more issues such as a blowout which you do not want when travelling at high speeds. To avoid this, ensure your tyre pressure and the condition of the tyres are checked over regularly, and the tread depth is at a legal level. If you notice uneven wearing of the tyres, this could be a sign the wheels aren’t aligned properly and will need to be corrected. 

Electrical problem/ Alternator faults

Alternators charge the battery, and if this fails, the battery will soon go dead trying to run the vehicle on its own. This is generally either an electrical fault or general wear and tear over time. There are early warning signs which you can look out for if this is the case such as dim headlights, squealing sound from under the hood or if a warning light shows when the car is idle, this shows the system is no longer charging. Starter motor faults can also stop your vehicle in its tracks, although these are tough and can last for thousands of miles, they do fail eventually. If you notice grinding noises when starting the engine or the engine starts slower than usual, this could be the issue and will need to be checked over by a mechanic. 

How to avoid issues?

To avoid your car breaking down unexpectedly, your vehicle should be serviced regularly at the date recommended in the logbook. Even if there appears to be nothing wrong at the time this could help prevent issues occurring if caught early. Listen and pay attention to changes in the vehicle. If you notice vibrating, struggling to start or strange noises, this could be the beginning of an issue and is best to get checked out before it’s too late and has the potential to cost you more money to get fixed.

You are our mission!

The team at Nifty Loans understands that people are important and that your financial situation is unique. We don’t mind saying that we are money lenders. After all, that is what we do. Small, quick and affordable short-term loans.

However, taking on unexpected car repair debt can be a big decision. We want to ensure that you feel confident with us every step of the way.

To achieve this, we’re putting you in the driver’s seat of your tailor-made car repair loans experience.

Unlike some of the more mainstream lenders, we pride ourselves on delivering not just short-term cash loans but building a relationship where you are comfortable dealing and communicating with us.

Ready to apply?

You can apply online in minutes, have a clever outcome within the hour** and if approved, receive your money to your account and ready to use in 60 seconds*. Don’t wait, complete a quick application today.

*Only available for NPP enabled bank accounts

**subject to when you submit your application
Want to know more? Nifty investigates loans comparison, title loans, interest free loans, and more!

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.

Read More

Loan Costs

Large Loans

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 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 Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 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.