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Looking for Centrelink Loans? We Can Provide Loans for People On Centrelink!

What are loans for people on Centrelink?

Receiving Centrelink payments is not a mark against your character. Sometimes we all need a helping hand to boost our finances and get us back on track. Loans for people on Centrelink can sometimes be tricky to find. As a result, navigating the sea of lenders that do provide loans for people on Centrelink can be grueling.

Receiving Centrelink payments should not define your entire financial image. As a result, knowing how to look for loans for people on Centrelink can be tricky. Furthermore, certain lenders will automatically judge your situation without even seeing the whole scope of your finances. If you receive Centrelink, even if you have bad credit, Nifty may still be able to help you! So, if you’re typing Centrelink Loans into google, stop. We might have the answer!

loans for people on Centrelink

The Helping Hand of Centrelink

We all go through various stages and situations in our lives. If money woes seem to suck the joy out of your life every so often, rest assured you are not alone. Hundreds, if not thousands of other Australians are in the very same boat. But there’s always a helping hand in Australia and for many that helping hand is the Centrelink system. The Centrelink system exists to support Australians when times get tough and when people really need that safety net. That’s why we believe receiving Centrelink should not be a mark against your name.

Let’s Pretend for a Moment

Let’s pretend it’s the start of the school term. You have been saving in earnest for the past 6 months. Yet, you still haven’t made quite enough money to buy that new car you need to replace the skedunk! In fact, you are $650 short. Your current Centrelink social grant is not enough to cover this expense and still keep your small family comfortable.

And then this happens…

The skedunk car takes a turn for the worst one morning on the way to school. Next thing you know; you are parked on the side of the road in billows of smoke. You get that sinking feeling that this is the end. Your old rickety family car has finally seen its last days, and you’re not ready to afford a new car yet. Now what?

So what now?

Now you’re in a pickle! That’s what! But that doesn’t mean that it’s the end of the road. It doesn’t mean that your kids will have to miss the rest of the school term. And they shouldn’t have to suffer long walks or three changes in public transport for one trip! You could find yourself looking for Centrelink loans and if you have, and have stumbled upon Nifty – great! We offer loans for people on Centrelink!

What are loans for people on Centrelink?

Traditional lenders may be less flexible when it comes to small loans for people on Centrelink, but don’t fear! There are plenty of variable options for people on Centrelink who are looking for Centrelink loans. It can be difficult navigating the course of small loans for people on Centrelink, so here are some handy tricks to keep up your sleeve when you’re on the hunt.

Centrelink Loans Advance Payments

If you are on certain Centrelink benefits, you may be eligible for an advance payment. This should always be your first option when searching for Centrelink Loans for a number of reasons. Centrelink could pay you a portion of your future benefits early. These loans will incur no interest and you could repay the advance out of your future Centrelink payments.

You may not need to arrange these repayments, as Centrelink will automatically deduct them from your benefits. For many people, this advance payment option may be preferable to taking out a short term loan. You should consider applying with Centrelink before lodging an application with Nifty. For more information, and to see if you’re eligible for an advance payment on your benefits, visit the Department of Human Services.

What to know before applying for other loans for people on Centrelink

  1. Know whether you can apply or not: Before applying for a loan, if you’re on Centrelink, it’s important to know if you’re eligible. To do this, scan through the minimum requirements for that lender, and see if you meet the criteria before applying. However, most loans for people on Centrelink are assessed on a conditional basis.
  2. Read the fine print: Loans may be advised for people on Centrelink, however, it’s important to check other conditions surrounding the approval. Such as a regular income, or employment requirements.
  3. Shop around: Furthermore, browse the loan market for the best option that suits your financial needs. Ultimately, decide on a personal loan you can afford to repay.

Understand what sort of Centrelink Payment you receive

So, when applying for loans on Centrelink, it’s important to know what payments you’re receiving and how they’ll affect your loan application.  So, the most common Centrelink payments are:

  • Family Tax Benefit;
  • Child Support Payments;
  • Age Pension;
  • Carer’s Allowance;
  • Unemployment Benefits.

The different types of Centrelink payments that may be accepted varies from lender to lender, so always know exactly which payments you receive before applying.


Here's a Nifty fact!

Around 2.5 million people currently receive some form of Family Tax Benefit

What purpose can I use loans for people on Centrelink for?

Receiving Centrelink payments should not stop you from being able to borrow money when you need it. So just like a loan for someone who is employed, a small personal loan should provide flexibility for your finances. As a result, there is a myriad of reasons for taking out a small cash loan. Just as an example, here a list of reasons people take out personal loans:

Your reason not on the list? No worries – cash loans can cater to almost any expense!

centrelink loans

Still not sure about the different types of loans on Centrelink?

Find yourself getting a little confused about all the different types of loans that are out there? We get it! That’s why over the years, we have written many articles explaining what the different names and terms mean. To make things easy for you, we’ve broken down the different types of Centrelink Loans we may be able to help with.

Types of Loans on CentrelinkTypes of loans for people on different benefits
Fast Loans for Centrelink CustomersLoans for single parents on Centrelink
Payday Loans CentrelinkLoans for people on Centrelink
Cash Loans on CentrelinkLoans for pensioners on Centrelink
Small Loans on CentrelinkFair loans for Centrelink customers
Payday Loans for Centrelink CustomersLoans for Centrelink Customers
Small Loans for Centrelink CustomersQuick loans for people on benefits
Quick Cash Loans for Centrelink CustomersOnline Loans for Centrelink Customers
Instant Cash Loans on CentrelinkCash Loans for Centrelink Income

What are the benefits of a personal loan?

Loans for people on Centrelink have many benefits when it comes to sorting out your finances. Sometimes life calls for a little pick-me-up and that’s exactly what a personal loan is! Furthermore, here are just some of the benefits of a same day approval personal loan:

  • Flexibility, flexibility, flexibility: A personal loan can be utilised for almost any purpose. As a result, the world is your oyster when it comes to personal loans for people on Centrelink.
  • Consolidate debt: If you have multiple bills, consolidating all your debt into one loan can reduce your weekly repayments and overall interest.
  • Emergency funds: So, need money quickly? A personal loan could be the ticket! Loans for people on Centrelink are typically approved within the same day if you apply for a loan within business hours.

Nifty Loans and loans for people on Centrelink

At Nifty Loans, we know that applicants on Centrelink would have already suffered from an onslaught of paperwork when applying for their benefits. Therefore, at Nifty we offer no paperwork loans for people on Centrelink that are completed online! So, our loans for people on Centrelink are fast loans and hassle-free. At Nifty, we offer the following types of loans.

Loan TypeAmountTerm (Months)
Small Loan$300 – $2,0006 – 9
Medium Loan$2,100 – $4,6009 – 24 
Large Loan$5,0009 – 24 

Who is eligible to apply for Nifty Loan?

Before you start jumping around with joy and delight, let’s first make sure that you meet the basic criteria. Don’t worry, these are pretty easy to meet and pretty basic too! To be eligible to apply for a Nifty cash advance, you first need to:

  • Be an Australian citizen or permanent resident
  • Be over 18 years of age
  • Have been receiving a regular income into a personal bank account for 3 months (we consider Centrelink payments as a regular income)
  • Have an active mobile number and email address (when you apply for a loan for people on Centrelink, we will be sending you important information through both these channels so keep an eye out!)

What types of benefits are accepted?

At Nifty loans, we consider most Centrelink payments as income, so don’t fret if you’re receiving Centrelink payments. To get an idea, you can see below some of our accepted payments.

Centrelink PaymentAccepted
Age Pension
Family Tax Benefit
Disability Support Pension
Carers Payment

However, we generally don’t accept Newstart or Youth Allowance as these are considered a temporary source of income.

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Here's a Nifty question!

Do you know what types of Centrelink payments you are receiving?

What about loans for people on Centrelink with bad credit?

Can I apply even if I have bad credit? Absolutely! We don’t think one credit default years ago should necessarily block you from taking out finance. While we don’t offer no credit check loans, we might still be able to help out those who have a bad credit history. Even if you are unemployed and receive Centrelink we may still be able to help you. Visit our loans for the unemployed page for more details. Learn more about payday loans pitfalls here. For more information related to Centrelink loans for bad credit, you can also visit our bad credit loans page.

Get Nifty Loans In Your Pocket

Gone are the days where you were forced to make the treacherous journey to the bank at 4pm, only to find a mountain of red tape and endless lines. Cue Nifty Loans! Our short-term lending service is 100% online and open for applications 24/7.

Traditional loan applications are time-consuming and off-putting. The digital age is upon us. If you are still toting around piles of paperwork, standing in queues, and generally wasting precious hours to apply for a loan, you’re doing it wrong!

Quick and easy loan applications

At Nifty Loans, we promote quick and easy loan applications that are 100% online. There’s no need to take time off work or even leave the comfort of your home to apply for a loan. The process is quick, easy and completed online.

In the time it takes your partner or mate to brew you a cuppa, you will have completed the application. Then, you can sit back and enjoy the cuppa while we review your application. We’ll do our best to give you an outcome within the hour if you apply during business hours. If your application is approved, we deliver your cash straight to your bank account. That’s cash straight to your pocket!

Ready to apply? 

If you’re ready to get started with an application here’s what you’ll need to do: 

1. Apply online 

Head to the top of the page and use our online loan calculator to select a loan amount and term. You will even see an estimated repayment amount. Once you are happy, click apply!

2. Complete the application form

We will need to grab a few important details from you in order to properly assess your loan application. The good news is, Nifty doesn’t do paper forms or unnecessary questionnaires. You can complete your application 100% online wherever you are and whenever you like. 

3. We assess your application 

Our team will conduct an assessment of your application and get back to you with an outcome as soon as possible. If you submit your form during AEST business hours you should even hear back from us within 60 minutes*. 

4. Sign your agreement 

If your application is successful we’ll send over an agreement for you to electronically review and sign. Our team encourages all applicants to read through their agreement and make themselves aware of any fees or charges that they could incur. If you’ve got questions, make sure you get in touch with the Nifty team! We are always more than happy to help. 

5. Get your cash!

Once our team receives a signed copy of your agreement we will transfer the cash straight into your account. Thanks to instant banking the cash could be in your account and ready to use in just 60 seconds*. How simple is that!  

Are loans for people on Centrelink ever guaranteed?

Nifty is a responsible lender. As such, we will always conduct an assessment to make sure you have the capacity to repay a loan before one is approved. Because of this, we can never guarantee loans for people on Centrelink. What we can guarantee though is a fair shot at applying. You can always contact us before applying to get a better idea if there would be anything obvious that may prevent us from being able to approve a loan for you. 

Why loans for people on Centrelink may be knocked back

At Nifty we will always do our best to try and approve a loan. If we are unfortunately unable to help you with a loan at this time it is usually because we are adhering to our responsible lending obligations and you may not be able to afford to repay the loan at this point in time. Therefore, we suggest making sure you complete your application accurately to give yourself the best chance at approval, as this is a huge head start to getting the loan you want, when you want it and fast!

Furthermore, if you are not receiving enough from Centrelink per week or fortnight to qualify, it is worth having a look at what other Centrelink benefits you may be entitled to and maximise your payments before you apply for a loan. You can visit the Department of Human Services and do a free Centrelink benefits check to make sure you are receiving all the benefits you are entitled to for your circumstances.

Responsible Lending at Nifty Loans

At Nifty personal loans, we adhere to responsible lending policies to provide you with the most suitable loan for your circumstances. As a result, we urge you to consider, before you borrow money, whether the loan repayments are going to be realistic for you. As we adhere to responsible lending practices, we will never lend you more than what we think you can afford to repay. For more information about responsible lending at Nifty, you can also check out our responsible lending policy.

Are there extra protections for people on Centrelink

Definitely, yes! The Australian federal government has introduced some safety measures for people who take out loans while on Centrelink. In short, people who receive at least 50% of their income from Centrelink can only have 20% of their income go towards small amount credit contract repayments. With this protection, those on Centrelink should be safeguarded from having too much their income go towards small loan repayments.

Things you should consider before applying for loans on Centrelink

So, is it going to be affordable? It is easier to accept money and much harder to pay it back, so, you should consider this when applying for a loan and only apply for quick loans when you really need to. Consider your budget and think about any future expenses you may incur when deciding if the loan will be affordable.

Before taking out any sort of loan, it is always a good idea to also talk to a professional legal or financial advisor. They can discuss if this sort of product is right for you or if there are other options that would be less costly or more suited to your needs. There are also various non-for-profit organisations and counsellors that you can call to talk about your options. We always recommend that you do your research before applying for one of our products.

Think Nifty Loans!

If you find yourself in a pickle and are looking for loans on Centrelink, you can turn to Nifty for quick finance. With a quick and easy online loan application, you won’t have to take any time off work to apply for the credit. Have all your supporting documentation handy, meet the necessary assessments, and you could have the cash you need on the very same day.

With a bit of effort from Nifty Loans, you may not struggle for long. You could have your new car, ready to take the kids to school the very next day. That’s a happy ending we can all smile about!

Keep in touch

Don’t be afraid to get in touch with one of our friendly customer service staff. They can discuss with you your situation would and are more than happy to help you through the process or give you advice on applying.

Want more of Nifty Loans? Great! Follow us on, InstagramTwitter and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

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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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