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Whether it’s your car registration, an unexpected flat tire or a major repair job, Nifty has you covered with our emergency car repair loans. As one of Australia’s fastest-growing unsecured, short-term loan lenders, we have the ability to meet all of your car repair needs.
Nifty Loans offers fast cash loans for car repairs up to $10,000. This can be a good option for you when car repairs are going to put a strain on your budget. Why create the unneeded stress? We could have a loan option that suits your needs.
If you wish to apply for a cash loan for car repairs with us, there are a few eligibility requirements that you must first meet:
In order to ensure your application can be processed swiftly, please ensure you have these documents available when you apply.
Worried that your credit score will stop you from accessing a car repair loan with Nifty? We will not deny your application solely based on your credit history. We must conduct a credit check as it’s required by law but we’ll generally put more focus on other factors like your income and spending.
We have been able to help thousands of Aussies with bad credit. If you’ve been denied by a bank or other traditional lender, Nifty is ready to give you the fair go you deserve. Apply online for one of our bad credit loans up to $10,000 today.
Ready to apply for a short-term auto repair loan? All you need to do is use our 100% online, paperwork free application. It couldn’t be easier to follow these simple steps:
Use our loan slider to select the amount you want to borrow. Once you’ve done this, click ‘Apply Now’ and fill out the rest of our online application.
Once we have received your completed application, along with your supporting documents, we will begin processing. We will aim to get back to you within 60 minutes* (if you apply within our business hours).
If your application is approved, we will send a copy of your contract to you electronically. We encourage you to read all the terms and conditions and make yourself familiar with any fees or charges you could incur with late fees etc. Once you’re happy, sign your contract and send it back to us.
Once we receive your signed contract, we will transfer your funds straight to your account. Depending on which bank you are with, you could have your money within just 60 seconds**.
Still have questions about our auto repair loans? These are the answers to some of our most frequently asked questions.
We will look at things other than just your credit history. We also look at your bank statements before making a decision on whether we believe a personal loan is the right thing for you. If you have bad credit, but your relationship with money has improved, we may still be able to provide you with a loan option to suit your needs.
We consider most Centrelink income as regular income. We just need to be able to see a consistent income into your bank account for at least 90 days to ensure you will be able to manage your loan reports. Every loan is subject to assessment, but if you meet the rest of our requirements, you may be suitable for a car repair loan with Nifty.
This will depend on how much you are borrowing. We offer unsecured loans from $300 to $2,000. If you are borrowing within this range, you will not need to offer your vehicle as collateral. However, if you wish to borrow more than $2,000, you will be required to attach an asset of value as security.
We use third-party encryption to look at your bank statements so that we can assess your income and spendings. We use a bank statement service, Credfin, to assess your current financial situation as a whole before deciding whether a personal loan is right for you.
No, we will pay you directly. We will deposit the money straight into your bank account. You will need to transfer funds to your mechanic yourself to pay for your car repairs.
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$5,000 - $10,000
$2,001 - $4,600
$300 - $2,000
* 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.