Engagement Ring Finance Australia | Nifty Personal Loans

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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.

Engagement Ring Loans up to $10,000

Engagement ring finance Australia 

It’s no secret that engagement rings can be very expensive. Most people don’t have thousands of dollars that can be spent casually without impacting their budget. Don’t feel limited when you browse the jewellery store because you don’t have the cash readily available to afford a diamond ring. Nifty can lend a hand with our engagement ring financing. 

Can you finance an engagement ring? 

There are a few engagement ring finance options for you to consider. You can either use a credit card, buy now pay later service, or a personal loan. An engagement ring personal loan can work for you in many ways. Here at Nifty, we have three tiers of loan options for you: a small loan of $300 – $2,000, a medium secured loan of $2,100 – $4,600 or a large secured loan of $5,000. 

Picking an engagement ring is a very important decision that requires a lot of your time and energy, so we will keep things simple. Our 100% online application process can be completed in just a few minutes because we want you to devote your energy to finding the perfect ring for your partner, not a complicated loan application. 

Am I eligible for a loan?

We have a few requirements we need you to meet before we can assess your loan application. So, before you apply, check off the following requirements:

  • You must be at least 18 years old
  • Be an Australian citizen or Permanent Resident
  • Be receiving a regular income into a personal account for the last 90 days
  • Have an active mobile number and email address

Can I get engagement ring finance with bad credit?

We offer engagement ring finance for bad credit. We look at more than just your credit score. In fact, our team puts more focus on your current finances. 

We offer bad credit loans for people with bad credit that need an engagement ring loan. Our team understands that credit checks are not the be-all and end-all. We take a holistic approach to analysing your finances. If we see that you’re receiving a consistent income and you’ve been responsible with money recently, then we could look past your bad credit history. 

How to apply

To complete your application, follow these steps:

Step 1: Apply 

Scroll up to the loan slider at the top of the page. Select your loan amount and click ‘Apply Now.’ 

Step 2: Complete your application

Fill out our simple application form, ensuring that you provide all the information we require for our assessment. 

Step 3: Sign your contract

Our loan specialists aim for a 60-minute turnaround (during business hours). We will let you know whether your application was approved or not. If you were successful, we will send you an e-contract for you to review and sign. Once you’re happy, sign it and send it back to us.

Step 4: Get your money

Once we receive your signed contract, we will deposit the money straight into your bank account. You could have your money within just 60 seconds* (depending on which bank you are with). 

Why choose Nifty Loans?

We may be 100% online, but our loan specialists are not far away – they’re right behind your screen. If you ever have any questions about our loan process or your account, don’t hesitate to contact us. You can apply for one of our fast cash loans in minutes and have the money in your account before the days end. 

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

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:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
Terms:
12 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
12 Months, (52 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$35
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.