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Looking For Loans For Single Parents On Centrelink? Nifty Loans Can Help!

Single Parenting

Being a single parent can be a hard slog, there’s no doubt about it. But, being a parent is unquestionably one of the most rewarding jobs in the world. At Nifty, we understand that sometimes everyone needs a helping hand, especially when it comes to finance. There’s no need to blow the budget when you have Nifty on your team. Our team can approve loans for single parents from $300 to $5,000 in just 60 minutes (if you apply during AEST business hours). The Nifty team understands that when you’ve only got one source of income to get by on, finances can get a bit tight. 

If you’re a single parent and looking for finance, you’ve come to the right place. Nifty Loans could be the lender for the job! Want to know more about what we do? Keep reading!

Loans For Single Parents

4 easy money-saving tips for single parents!

Being a single parent can be pretty tough at times, especially if you’re raising more than one child. The work and hustle involved is nothing but commendable. If you are a single parent and are struggling when it comes to savings, we would like to offer some quick tips to help boost those savings!

  • Budget everything – From groceries to holidays, birthdays to utilities, there is no better way to organise your finances than by budgeting. One of the best ways to start your budget is by looking into your bank statements as there is no clearer view of your spending habits. If you can work out an average for how much you spend between living expenses and entertainment, you will be able to see where you may need to cut-down and what you can put away. 
  • Get familiar with your costs – If you have a credit card, personal loan or another form of credit, it is important that you are familiar with the various fees that may be charged on specific accounts. Take a credit card for example. Many credit cards will have either annual or monthly fees charged onto the account even if the balance has been paid. If you can get by without the use of a credit card, it could be worth closing the account to avoid paying unnecessary fees. 
  • Cut down on unnecessary spending – This one is pretty important, especially to those of us who are prone to impulse buying. By taking a look at your bank statements, you may be surprised by how much you could be spending on unnecessary spending. Take subscription services or buy-now pay-later’s; do you really need Netflix, Stan, Amazon and Disney plus (all at the same time)? Are the purchases made through After-Pay essential? Remember, just because you can afford it doesn’t mean you have to buy it. 
  • Head to the op shop – Though some may view op-shopping in a negative light, there is no denying that you can pick up both clothes and household items far cheaper than in regular retail stores. Not only that, but there is often quite a good selection of clothes for both adults and children. Is Winter coming? Avoid paying the high costs of other retailers and head to the op shop!

Here at Nifty, we also understand that sometimes, no matter how much you plan and budget, unexpected expenses do pop up. If this has happened to you, a loan can be an option for you.

What exactly are loans for single parents?

Loans for single parents are personal loans from $300 up to $5,000 for hard-working single-parent households who need a bit of a helping hand. At Nifty, our single parent loans can be repaid over a period of 6 to 24 months. So, when something breaks down or an unexpected bill pops up you could call on Nifty for a helping hand.

The best part is, Nifty is 100% online. You won’t have to take time out of your day to apply for a single parent loan. It could only take you a few short minutes using our 100% online application form. We won’t ask you any long-winded unnecessary questions. The Nifty team cut straight to the chase so you get the cash you need when you need it. 

What can a single parent loan be used for?

At Nifty, we provide single parent loans for a wide range of different expenses. Flexible is our middle name. Nifty is the guy for the job when an unexpected bill pops up! Our team understands that when an emergency or financial crisis hits, it’s always at the most inopportune time. If you’ve been caught by surprise, it’s nice to know that Nifty has your back.

Here are just a few examples of what you could use your single parent loan to cover:

  • Car repairs
  • Car registration
  • Emergency medical expenses
  • Dental fees
  • Childcare costs
  • Education costs
  • Purchasing new white good
  • School excursions
  • Home repairs
  • New appliances
  • A holiday away for you and the kids
  • Travel costs
  • School uniforms

And so many more! These are just a few of the reasons that people apply. So, if you’ve had an unexpected situation pop up, why not submit an application and see if we can help you out?

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Here's a Nifty question!

What was your last unexpected expense, and is there a way you can plan for it in the future?

Who can apply for loans for single parents on Centrelink?

Our application criteria are nice and simple. We don’t want to make things harder for you! So, with that in mind, here are the criteria you’ll need to meet:

  • Be at least 18-years of age;
  • Be an Australian citizen or permanent resident;
  • Have been receiving a regular income into a personal bank account for at least the last 90 days (this includes Centrelink income!);
  • Have an email address and mobile number.

And that’s it! If you meet our four simple criteria, you’re eligible to apply! Are you ready to submit an application? Scroll up and hit the Apply Now button to get a quick application started.

Our application process is super simple!

If you’re a single parent and you’ve been googling ‘how to get a loan for a single parent’ or ‘loans for single parents on low income’ then you’ll be pleased to know that Nifty could have the finance you’re looking for. We understand that single parents don’t have a lot of spare time on your hands.

Running a household and looking after the kids can be very time-consuming. That’s why we’ve made our online application as easy and as fast as possible. Our 100% online application form should take just a few minutes out of your day. And the good news? It’s easy, fast and doesn’t require you to run off and hunt down a lot of paperwork. In fact, there’s no paperwork required! It really is that easy. Let’s take a look at just how easy our application process is.

Step one

Once you know whether you qualify or not, head up to the top of any page on our website. From there, enter the amount you’d like to apply for into our handy loan calculator. Select the length of your repayment terms and click ‘Apply Now’.

Step two

We’ll need you to fill out some contact and personal details, the reason for the loan, as well as your internet banking credentials so we can grab a read-only copy of your bank statements. We’ll also require your employment details or your MyGov account information if you receive Centrelink.

And that’s it! You don’t need to sift through pages of bank statements or other documents because we’ll do it all for you! Don’t worry about having to hunt down and photocopy paperwork either, we’ve got you covered. Hit the submit button, sit back and relax and we’ll get back to you as soon as possible!

Step three

If your application has been approved, congratulations and welcome to the Nifty family! We’ll email you a copy of our agreement for you to review and sign. Nifty encourages all applicants to read over their agreement and make themselves aware of the full terms and conditions of their loan. If you’re happy with the loan terms you’ve been offered, go ahead and sign your digital contract and get it back to us. Once your contract has been signed we can then release your funds to you with the next round of banking.

Wondering about transfer times?

Nifty is now offering instant banking. What does that mean? Basically, instant banking allows us to transfer funds immediately into your account. If your bank is NPP enabled, you could have the cash in your account and ready to use in just 60 seconds. If your individual bank does not support instant transfers then your loan will be deposited in the next round of banking. If you have any questions or concerns regarding fund processing times, feel free to get in touch with our friendly customer service experts.

How much do loans for single parents on Centrelink cost?

We have three different kinds of loans for single parents on Centrelink available. These are small unsecured loans, medium secured loans (MACCs) and large secured loans (LACCs). Before applying for a loan, take a look at the aspects of each loan type to see which best suits your needs. You can find the cost information at the base of the page, or on our costs page.

Small Loan Unsecured $300 – $2,000
Medium Loan Secured $2,100 – $4,600
Large Loan Secured $5,000

Loans for people on Centrelink

So, as you can probably tell by this point, these are designed with single parents who are receiving Centrelink payments in mind! We know how hard it can be trying to get a bit of a financial helping hand when you receive Centrelink benefits. Traditional lenders tend to take one look at your application, see that you receive Centrelink benefits and automatically knock you back. We don’t think this is very fair. This is why we offer loans for single mothers on Centrelink and loans for single mothers on benefits! We’re firm believers that everyone deserves a fair go, including Centrelink recipients!

So, if it sounds like Nifty Loans may be a good option for you, feel free to submit an application! Scroll up and hit Apply Now to get started.

Looking for loans if you have bad credit?

Bad credit doesn’t have to be the end of the world or the end of your loan application. Despite the stigma that traditional lenders have about people with bad credit, we happen to know that not everyone out there is going to have the perfect credit history, and we won’t judge you for it. We’re a lot more understanding than many of the traditional lenders. In fact, we even offer bad credit loans if that’s what you’re looking for! As you can see, we believe in giving every applicant the fair go they deserve!

We know that life likes to occasionally throw us lemons. With this in mind, we can offer loans for single mothers on Centrelink with bad credit. Don’t let that credit history hold you back from applying. You can be sure that with Nifty Loans we won’t instantly judge you for having a bit of bad credit history.

Are you ready to give our loans a go? Submit an application now and see if Nifty Loans can help you out!

Do you conduct credit checks for single parent loans?

Here at Nifty Loans, the short answer is that yes, we do conduct credit checks. But before you exit out of the page in dismay, know that a credit check shouldn’t be scary. We’re not going to automatically decline you purely on a credit check. While credit checks are an important part of the assessment process, they’re not the only aspect of your finances that we look at.

This is where your bank statements are important. We take a look over your recent banking history and have a look at how you’re handling your finances. If we can see that you’re currently handling your finances well (keeping up to date on your repayments, you know, that sort of thing) we may be able to help you out, even if you do have a bad credit history.

We’re not going to automatically knock you back just because of some poor credit history that may have happened several years ago. We’re more open-minded than that. So, if a credit check has been the only thing holding you back from applying, why not submit an application now? We’ll give you the fair go you deserve and won’t judge you solely on your credit score.

The lowdown on loans for single parents on Centrelink

Being a single parent isn’t always the easiest task in the world. However, it can certainly be one of the most rewarding. If you’re getting by on Centrelink income and you find yourself needing a bit of spare cash to cover some unexpected expenses, Nifty Loans can help you out. You’ve already got enough on your plate running a household and raising spectacular kids, why not let us give you the helping hand you may be looking for?

Want to keep up to date with what Nifty Loans is up to? Head on over to our Facebook page or take a look at our blog for the latest finance tips and tricks!

Are you ready to apply? Scroll up and hit Apply Now!

For your information, other fees and charges may be payable. Unfortunately, if you fail to make a repayment without notifying us of any changes in your situation, additional fees may be added to the balance of the loan.

Want to know more? Find out how you could apply for a quick loan approval online. We fill you in on all you need to know about a personal loan comparison.

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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 Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
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Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
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Weekly installments:
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Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
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Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
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Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
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Loan amount:
6 Months, (24 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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* 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.