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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.

Loan for Air Conditioner to Help You Beat the Heat

Are you currently googling “how much air conditioner cost?” Then you may be dreading the results. Don’t worry, Nifty Loans is ready to help with a loan for air conditioner to keep you cool this summer.

Everyone hates to hear those dreadful words, “It is time to replace your air conditioning unit”. However, unfortunately, wear and tear is inevitable. No matter how expensive your unit is and how well you maintain it, sooner or later it will break down and you’ll have to replace it.

When buying a new air conditioning unit, it may be best to pay for it upfront. Some people have the cash in hand to finance an air conditioning unit out of pocket. Unfortunately, for most Aussies, this isn’t always possible as air conditioning units come with a hefty price tag. The high price of an air conditioner can put you in a tough position. So, instead of suffering the scorching heat, just apply with Nifty Loans for cooling system finance.

Loan for Air Conditioner

What is a Loan for Air Conditioner

You don’t have to suffer through the blazing heat of summer in that hot box you call home when Nifty is here to bail you out. We offer loans for air conditioners to help consumers finance air conditioning units. The maximum amount that can be borrowed is $5,000 which may be enough for that new AC unit you have set your eyes on. You won’t have to worry about losing your cool when you can use our personal loan to purchase and installation of your AC unit.

With an easy loan, you can cover a new cooling system plus air conditioner installation cost. This way you won’t have to endure the brutal heat of summer or worry about handling a major expense all at once. Depending on the repayment term, you can pay for an air conditioning unit in 6 to 9 months. You can never really know how much air conditioner cost, thus, a loan for air conditioner may prove to be a more convenient option for you. So, apply today to escape the heat with Nifty!

Air Conditioner Cost: Let’s find out what you can borrow

Nifty offers three different types of personal loans, each come with its own eligibility criteria and costs. Before you submit an application, it is important that you determine which loan is right for your circumstance. For reference, here is a quick look at our loan types:

Small Loans Unsecured $500 – $2,000
Medium Loans Secured $2,100 – $4,600
Large Loans Secured $5,000

If you’re looking for an in-depth look at the different costs for each loan, take a squiz at our costs page. When you’re satisfied, simply choose the loan amount and the term that you desire using the loan calculator at the top of the page, this will give you a rough idea of the repayments. Once that’s done, click on the ‘Apply Now’ button to continue with the rest of the application. 

Just Scroll Up To Apply For A Loan For Air Conditioner Through Nifty.

Air Conditioner Installation

Homeownership is a goal many Aussies strive for and although exciting, it doesn’t come without a cost. Maintenance and upkeep of a house isn’t a small expense, especially when large appliances break down. Replacing an air conditioner can easily be one of the costliest fixes for a fresh-faced homeowner.

What is the cost of air conditioner?

The cost of air conditioner and installation can be anywhere between $600 and $5,400 depending on the type of unit you choose and the complexity of installation. Since it is an important investment, settling for a cheap air conditioner may not be the best option as they will likely break down sooner. If you are concerned about the high cost of air conditioner installation, don’t sweat it. Nifty’s got you covered.

Even if the air conditioner installation cost is high, you may be able to finance it with a loan for air conditioner from us. So, don’t lose your cool over the hefty price tag. Apply for the cost of air conditioner and installation from Nifty Loans!

How to Apply

Our application and approval process is paperless and painless. You may find out whether you are approved or not within 60 minutes (during normal business hours). Here’s what you need to do to apply:

Fill the Super Simple Application

Click on the “APPLY NOW” button you see on the top of the page and complete the application by providing a few simple details. You can be done with it in a few minutes.

Wait for Your Outcome

Once you are done, we will get to work on providing you with an outcome (during normal business hours). We can let you know your outcome within 60 minutes if you apply during normal business hours.

Get Ready to Receive the Funds

If everything works out and you’re approved for a loan for air conditioner, we may transfer the funds within the same day (if you are approved during normal business hours).

Eligibility Criteria for a Loan for Air Conditioner

We have simple eligibility criteria to apply for quick loans. This criterion has been listed below:

  • Must be 18 years of age
  • Be an Australian Citizen or Permanent Resident
  • Have Internet Banking
  • Show a consistent income for a minimum of 3 months
  • Can provide an active mobile number and email address

Tick all these boxes? Just scroll up to apply for the cost of air conditioner and installation through Nifty Personal Loans.

Signs You Need a New Air Conditioning Unit

You don’t have to hang onto your old air conditioning unit if it isn’t working properly. Don’t worry if you don’t have cash on hand to pay for your AC unit up front. You may be able to apply with Nifty Loans to cover hefty costs. Therefore, when you notice the signs mentioned below, don’t hesitate to replace your air conditioner.

1. Your Air Conditioning Unit Has Grown a Gray Beard

Not technically; but if your air conditioner is over 15 years old, you might have to replace it. The average lifespan of an air conditioner is about 15-20 years. So, your air conditioning unit may start breaking down more frequently after 15 years. Replacing your old air conditioner may be a better option than dealing with frequent repairs which can prove to be costly over the long haul.

2. Soaring Electricity Bills

If your electricity bill has suddenly spiked even without any change in how long you run your air conditioner, it could be a sign that you need a new unit. There could be different causes for this issue, like leaks in the ductwork or the old age of the AC unit.

3. AC Unit Passes Out More Frequently

If your air conditioner keeps breaking down, it could mean that it is no longer fit to serve your needs. Instead of wasting your bucks on frequent repairs, replacing the unit with a new one might be a better option.

4. You Long for Cold but Aren’t Getting It

Sometimes something as simple as a broken compressor could be the reason why your air conditioner is not blowing cold air. However, a number of other issues can also lead to this problem. In case the repair is extensive, replacing the air conditioner could prove to be a better option.

5. Leakage and Moisture around the Air Conditioner

Condensation around an AC unit is normal, but excessive leakage may represent a major problem. If you notice water accumulating around your unit, you might have to get the issue addressed right away. A replacement may be on the cards if your air conditioner cannot be repaired.

Bad Credit Air Conditioner Loans

You might think that applying for a personal loan is a waste of time if you bad credit. When you apply with Nifty Loans, that’s simply not true. You might have experienced financial expenses in the past, which may have hurt your credit score. At Nifty, we believe in second chances. Just because your past was less than perfect doesn’t mean it should affect your future.

While we do check your credit score, there are other factors we take into account to determine whether you qualify for an air conditioner loan. That means bad credit may not stop you in your tracks. Our loan specialists look at more than just your credit, they also look at your current relationship with money. Don’t sweat, we’ll give you a fair go and won’t judge you solely on your credit score.

A Word of Caution on Guaranteed Air Conditioner Loans

At Nifty, we don’t guarantee approval on any of our personal loans. We can’t say that you’ll be approved for the loan, but we promise to give you a fair go. All our air conditioner loans are transparent. You will know the exact amount you’ll be required to pay when you get an air conditioner loan from us. No shady fees, no gimmicks. Just Nifty loans!

We know that keeping cool can be expensive, not to even mention the air conditioner installation cost. So, apply with Nifty Loans to finance your next AC unit and beat the heat.

What You Get For Applying With Nifty?

Still on the fence about applying with Nifty? Will these benefits may just give you a nudge in the right direction.

Seamless Application

We know you hate filling mountains of paperwork to apply for a loan. That’s why when you apply with Nifty, we don’t require any paperwork. Our application process is paperless and you’re only required to provide a few simple details. It may just take you a few minutes to complete the application.

Access to Quick Funds

When you need to replace an air conditioning unit, you usually have to do so with very little time to spare. Our finance for a cooling system can give you access to quick funds so that you don’t suffer in the blazing summer heat. If you are approved during normal business hours, you may get the funds in your account the same day.

Simple Repayment Structure

With our simple repayment structure, you can spread the costs of your air conditioning unit over time. You’ll be set with a direct debit that will automatically come out of your account on the day you agree with us to our terms. When you repay your air conditioner loan, the payments automatically stop.

Beat the Heat with Nifty!

When you’re short on cash and your air conditioning unit breaks down, don’t think twice about getting it replaced. There is no point of suffering in the scorching heat of summer when you have got Nifty to keep you cool. You may be able to pay for your air conditioning unit more conveniently by spreading the costs over time. So, don’t hesitate to apply with Nifty now to save you sweating later!


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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.

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Loan Costs

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 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 Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 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.