Car Repair Loans up to $15,000 | Approved on the same day*
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

Emergency car repair loans with Nifty

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 online lenders, we have the ability to meet all of your car repair needs.

Nifty Loans offers fast cash loans for car repairs up to $15,000. This can be a good option for you when car repairs are going to put a strain on your budget.

What can I use a car repair loan for?

Quick personal loans for car repairs can cover the following emergency maintenance and repairs costs:

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

Who can apply for car repair loans?

Eligibility criteria

If you wish to apply for a cash loan for car repairs with us, there are a few eligibility requirements that you must meet:

  • You’re at least 18 years old
  • You’re an Australian citizen or Permanent Resident
  • You have had a consistent income into your bank account for the last 90 days
  • You have an active email address and mobile number
  • You have internet banking set up
Documents required

In order to ensure your application can be processed swiftly, please ensure you have these documents when you apply:

  • 100 points of identification
  • Basic personal information (name, D.O.B, address etc.)
  • Online banking login details
  • The reason for your loan application

Car repair loans with bad credit

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 $15,000 today.


Still have questions about our auto repair loans? These are the answers to some of our most frequently asked questions.

Can I get a car repair loan with bad credit?

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.

Do I have to secure my loan with my vehicle?

This will depend on how much you are borrowing. We offer unsecured loans from $2,100 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 may be required to attach an asset of value as security.

Why do you need my bank statements?

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 to assess your current financial situation as a whole before deciding whether a personal loan is right for you.

Will you pay the mechanic directly?

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.

Ready to Apply?