College Loans | $2,500 - $10,000 | Quick Outcomes | Apply Now!

The cost of attending university is higher than it’s ever been. However, getting a degree enables you to up-skill and become more employable. The investment of time and money that goes into university can lead to a brighter future. However, while your on this journey, you might find yourself short on cash from time to time. That’s when college loans might come in handy!


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Quick College Loans

Getting through your studies can be challenging, yet rewarding and it plays a big role in your self-development. It’s a period for you to excel and specialise in a certain field, whilst creating memories that can last a lifetime.

At university, it can be difficult to stay on top of your finances. Though the Government do provide low-interest loans to students, it’s sometimes not quite enough. As the expenses pile up with textbooks, classes and all the coffee you’ll need to get through exams – you may find yourself needing a helping hand. Nifty Loans can provide loans for students when they need it most. You can apply for quick cash loans online, without the hassle of a lengthy application, or loan process.

A student or college loan is a personal loan designed to assist in university costs and expenses. Apply for college loans from $2,500 to $10,000, and the repayment period typically depends on the amount you choose to borrow.

Who are Nifty Loans?

Nifty Loans is a friendly money lending service that is changing the way Aussies borrow money. Forget standing in line at the bank filling in loads of paperwork, Nifty is the expert when it comes to providing fast, affordable college loans.

We are 100% online. That means whatever you’re doing, wherever you are, you can apply for a loan with Nifty. And what’s even better is that once you’ve submitted your loan application, we could give you an answer within 60 minutes. This, however, depends on the time in which you choose to apply, AEST business hours being the fastest! You could potentially have your cash in 60 seconds* if approved.

Stressed? Worried about money? Nifty Loans believes in giving every Aussie a fair go at finding the finance they need. Therefore, we look at your current relationship with money, rather than just your credit situation. So, if you’re looking for a college loan with a less-than-perfect credit score, then Nifty may be the lender for you.

How can I borrow money, fast?

When it comes to borrowing money, there’s always been a bit of a stigma, but Nifty Loans is different. We’re a quality lender that is ready to give Aussies a fair go, whilst adhering to responsible lending. We’re 100% transparent about all ongoing fees, and our dedicated team will always do their best to help you throughout the duration of your loan. Whether you need help with your application, or you have issues with your repayment – our team has your back.

We cannot offer guaranteed college loans, however, we can guarantee that you will be given a fair go. Making the lives of our customers easier is what we do best.

Nifty Loans believe in responsible lending. Therefore, we only lend to people who we believe are capable of repaying. As we’ve already mentioned, what you see is what you get with us. We can promise that you don’t need to worry about any hidden fees or charges. Any charges that will always be clearly outlined in your contractual agreement.

What are college loans?

College loans are personal loans for college students. When you need a helping hand with those textbook costs or an unexpected expense, Nifty has your back with the loan you need. At Nifty, we offer loans for every purpose from a much-needed getaway to car repairs. Our direct loans are valued from $2,500 up to $10,000, and you’ll be able to choose flexible repayment plans any time between 9 – 24 months, depending on the amount you borrow.

If you would like any more information about our fees and charges, you can see examples of our short term loans by scrolling to the bottom of this page. Our friendly team will be clear with you about any fees that might incur. If you’re unable to make a scheduled repayment, you could be charged a fee. It’s best for you to get in touch with us at this point to discuss what happens next. We will do our best to come to a resolution that suits both parties.

How do government student loans work?

The Aussie Government offer four different HELP loan schemes to assist students in meeting the financial needs of studying at university. Here are the four loan schemes explained:

  1. HECS-HELP / the most common of the four. These loans are available to Australian citizens (and certain student visa holders) who are studying in a Commonwealth supported place;
  2. OS-HELP / these loans are for students are enrolled in a Commonwealth supported university who intend to partially study their course overseas (e.g. student exchange);
  3. SA-HELP / these loans are for students enrolled in postgraduate studies;
  4. FEE-HELP / these loans are for helping full-fee paying students to pay any fees that they are unable to cover with their own personal finances.

Whether you live on or off-campus at university, unless your living at home with your parents, you will have to subsidise your rent costs. University is often the first time for many of us where we have to take responsibility for managing our finances and paying the bills. It’s easy as a student to get yourself into a situation where you’ve run out of money before you’ve paid the rent. In these cases, you could start by contacting HELP.

How much does it cost to study in Australia?

Australia is one of the most popular destinations for studying in the world, however, it’s also one of the most expensive. The cost of your studies will depend on your chosen subject, the length of the course and of course, your student lifestyle. Many students graduate with a debt of six figures. However, if you’re savvy about studying, you can come away with an invaluable qualification and experience at a reasonable price.

Could you get part-time work?

In most cases, students have enough time to find a part-time job. Universities may also have internal jobs available. These are usually flexible so you can fit shifts around your studies and are a great way to stay on top of your bills!

Who is eligible for college loans?

Nifty Loans believes that everyone deserves a fair go, but there are some standard requirements that need to be met. You will need to be able to say yes to the following:

  • Over the age of 18?
  • An Australian citizen or permanent resident?
  • Receiving an income for at least the past 90 days?
  • A holder of an active telephone number and email address?

Nice and simple right? We like to keep it that way at Nifty. Forget long complicated application forms. Our application is 100% online and can be completed in just a few minutes. We’ve got private loans for college loans and many other options. We’ve helped Aussies with fast personal loans for things like dental care, vet bills and car repairs.

Where can I get a college loan?

We only offer loans to those we believe will be able to pay them back. The last thing we want to do is leave any of our customers stranded unable to afford repayments. We gather all the details we need for your loan in our application, and it only takes a few minutes to complete! We can access information like income and expenses electronically, so there is normally no need to submit documentation.

To apply, simply scroll to the top of this page and use our loan calculator. Here you will be able to select the amount of money you need to borrow. This will also be the time for you to choose how long you would like for your repayment. You will have between 9 – 24 months depending on the amount you intend to borrow. At this stage, you can also select whether you’d like your repayment to come out of your account weekly, fortnightly or monthly. We recommend you align this payment with your income for a seamless repayment process.

Next, you will then be asked to provide a short description of why you need to borrow the money. Once this stage is completed and you’ve entered the other personal details that we require, you can then go ahead and apply.

Time for you to relax

If we receive our applications during AEST business hours, we will get to work on them right away. If you apply outside of these hours, you can expect to hear us by the next working day.

When we assess your application, we will look at your credit file as well as your recent spending habits. After all, we want to get a good understanding of your financial situation.

We ask you during this waiting period to keep close to your contactable device in case we need to get any further information from you.

Our experts work quickly, so if you apply during AEST business hours, you could hear back from us within 60 minutes.

Your loan in 60 seconds*

If we approve your application, you will be sent over a college loan contract to sign and return. Once your contract is signed, you can have cash in your bank within 60 seconds*. That’s cash straight to your bank, without delay, so you can get back to what you do best.

Ready to apply?

Nifty Loans offer fast money loans with reasonable interest rates. We pride ourselves on being transparent and to the point. We will do our best to make sure that understand all of the fees when applying for one of our cash loans. Apply today!

*Only available for NPP enabled bank accounts

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.