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Fast Personal Loans

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Pension Loans… Nifty Has What You Need To Know!

What Is A Pension Loan?

First of all, you may be wondering – what actually is a pension loan? A pension loan is basically a personal loan for people receiving a pension or Centrelink benefits. At Nifty, we understand that during a period of stress, money is the last thing you want to be worrying about. Nifty wants to make personal loans accessible to every Aussie so we don’t think a pension should have to stand in your way. That doesn’t mean we will approve every loan application, however, we will always give you a fair go. So, if you’re thinking about it we recommend you go ahead and apply!

Pension Loans

Over 60? Save on everyday items with a senior card!

Before looking into pension loans, have you looked at all of the saving opportunities available to you? No? Well, let Nifty give you the run-down on Senior cards! When entering the twilight years of your life, finances become increasingly more important. This is especially true if your super balance is beginning to dwindle. Thankfully, older Australians have the ability to save on everyday necessities with the help of a senior card! 

Not familiar with a seniors card? Well, these cards allow holders to take advantage of unique discounts and saving opportunities. As long as you’re over 60 and are an Australian citizen or permanent resident, you could be eligible to apply for a card in your state. Take a look at some of the ways you could be saving money.

  1. Government Concessions: In most states, senior card holders have access to reduced property rates, public transport, vehicle registration and water bills.
  1. Medical Expenses: For those who are battling certain health problems, you could save on some expenses with the use of a senior card. Cardholders can often receive concessions on medical aids (hearing and optical), dental treatments and necessary electricity consumption.
  1. Utility discounts: If you’re looking to save some $ on your utility bills, enquire with your provider about senior discounts. In some instances, senior card holders could receive up to 25% off their electricity and gas bills through participating providers.
  1. Shopping discounts: Senior Cardholders can take advantage of unique savings on food, clothes and entertainment from participating retailers. If you would like to look into this, most state governments provide a discount-finding service so you can locate which stores and which products offer senior discounts.
  1. Accommodation & travel discounts: If you’re retired and have caught the travel bug, you could look to leverage some discounts on flights, accommodation, cruises and holiday packages from participating retailers. 

Have you exhausted all other options and are looking for a reliable lender that will provide pension loans? Been rejected by numerous traditional lenders? You might have just struck gold because Nifty likes to shake things up a little. We won’t claim to approve every single loan, however, we will guarantee all applicants a fair go when it comes to a pension loan. Nifty could approve loans for people on Centrelink or receiving a pension. So, if you’ve been looking at applying for a personal loan for pensioners then Nifty could be the lender you’ve been searching for. Simply scroll up now to start the application process or keep reading to learn more about pension loans.

Why Trust Nifty?

Are you thinking… ‘there are so many lenders out there, why should I trust Nifty?’ Nifty Australia is a responsible lender. Wondering what a responsible lender is? Basically, we pride ourselves on abiding by a strict code of conduct when it comes to personal loans. Our team will never approve a loan application that we believe the client cannot afford – essentially, we aren’t going to lend you any money you can’t payback. We want to ease financial stress, not create more! Most of all, our Nifty team wants to encourage positive financial habits. So, if you’re receiving a pension there is no need to stress. We will take a realistic look at your application and if you can repay the loan you could be approved for a pension loan online. We’re here to help. So, if you’ve got questions just shoot us a message!

Pension Loans

At Nifty, we understand that life stops for no one. That’s why we’ve made our pension loans so accessible, whether its funding to help with your medical expenses or some extra cash to pay for a new household item. Our team understands that sometimes all you need is a fair go and a helping hand to get you back on your feet. Therefore we do our best to match applicants with suitable disability pension loans. Above all, we want to give local Aussies a leg up so our team will do their best to help you find the funding you need.

Unfortunately, we can not guarantee fast approval for every applicant, however, we can guarantee we will do our best. Sometimes pension benefits can be taken as a form of income, however, in other cases, they can’t. What we recommend is that you go ahead and apply. The application itself will cost you nothing and, if you apply during standard AEST business hours, you could have an outcome in 60 minutes. There’s really nothing to lose!

Loan For Single Parent Pension

At Nifty, we understand that when times are tough, all you need is a fair go. Our team understands how difficult it can be to raise children off just one income, especially if you’re hit with an unexpected expense. Therefore we want to provide local Aussies with the help they’ve been searching for. Regardless of whether you’re planning on taking the kids away for the holidays, so simply need a bit of spare cash for a new washing machine – Nifty could be the reliable lender you’ve been searching for.

The best part is we are 100% online. So you don’t have to worry about long waiting times or pages and pages of paperwork. You could apply for a loan for single parent pension in a matter of minutes. All you need to do is scroll up and use the loan calculator at the top of the page to get started. Application is completely free and you could have an outcome in no time at all!

Will We Check Your Credit?

Yes, Nifty will always check the credit score of our applicants even on loans for people on pension. This is due to our commitment to responsible lending and is just a part of our assessment process. Our Nifty team likes to get a better look at the whole picture. When you submit an application for a pension loan with Nifty we will not base our decision solely off your credit score but take a deeper look at your financial circumstances. We understand that bad credit can leave a stain for up to 7 years – that’s a long time. Therefore, if we can see that you’ve made an effort to rectify the situation we could approve your pension loan today.

Wondering whether you could get a loan whilst receiving Centrelink payments? Unfortunately, there is no simple answer to this question because every circumstance is different. The good news is, the application itself is completely free. So, you can check out whether or not you could be eligible for a personal loan on Centrelink completely risk-free. If you apply during AEST business hours we could even get back to you with an outcome in 60 minutes. So, why not just give us a go?

Who Is Eligible?

Are you ready to apply? Let us tell you who is eligible:

  • You must have an active mobile number and email address;
  • Applicants must be over the age of 18;
  • A regular income must have been deposited into your own personal bank account for the last three months;
  • Applicants must have internet banking set up;
  • You must be able to prove you are an Australian citizen or permanent resident.


Our application form could only take you a few minutes to complete – and, the good news is it’s 100% online! However, we do recommend you have these documents handy to make the process nice and simple:

  • Personal info (name, D.O.B etc.);
  • Your internet banking details;
  • The reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink benefits);
  • Your employment details and employer contact info;
  • All applicants must be able to prove they are Australian citizens or permanent residents.
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Here's a Nifty question!

Before applying, have you checked you have the required information?

Employment Checks

Yes, we do conduct them if we can not verify your employment by other means. Our team is highly experienced and will never disclose any private information, including the reason why an applicant is applying for a loan. An employment check is simply another means of assessing whether or not a certain loan product is correct for an individual. If you have any questions regarding employment checks you can always get in touch!

Online Banking Details

Wondering why we need your online banking details? It’s pretty simple. At Nifty, we like to get a realistic look at your finances. Our team will access read-only copies of your bank statements in order to get a better idea of your spending habits, regular transactions and income All of this gives us an insight into whether or not you will be able to repay a loan. Since we do not base our assessment solely off your credit rating, having a closer look at your bank account could assist your application.

Apply For Personal Loans For Pensioners

Ready to start your pension loan application? The good news is the application couldn’t be simpler. Here’s how you do it…

Step 1: Scroll Up & Apply!

If you’re ready to get going then simply scroll up and use our loan calculator to enter a loan amount and repayment period you are happy with. Simply click ‘apply now’ to start our 100% online application form!

Step 2: Complete Our Application Form

If you’ve decided to proceed with the application then you will be directed to our application form. We will ask you to answer a few simple questions and provide us with the essential documentation and then you’re work is done. Our team will assess your pension loan application. If you’ve chosen to apply within standard AEST business hours you could even have an outcome within 60 minutes.

Step 3: Read Through & Sign Your Loan Agreement

Subsequently, if your application is successful a member of the Nifty team will be in touch. We will send over a contract for you to read through and sign. It’s important that you make yourself aware of all terms and conditions as well as possible charges for late or failed payment. When you’re happy, simply sign the agreement and send it back to us.

Step 4: Receive Your Money!

Once we’ve received your contract a member of the Nifty team will transfer the funds straight to your account. Often, inter-bank transfer times can affect the speed at which you get the funds. However, we will always do our best to get you your cash as soon as possible – hopefully on the same day!

Nifty Helps Aussies

Have a look at the pension loans we’ve already said ‘yes’ to:

Pension LoansAmountApproved
Car Loan for Disability PensionAUD ($)800
Loan for Single Parent PensionAUD ($)2,000
Pension Loans OnlineAUD ($)4,100

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Find Out More

Curious to know more about personal finance? Check out the Nifty blog! With a diverse selection of articles set to inform and educate, you can read up on some of the best ways to manage your money in the often confusing world of finance.

Alternatively, if you’re looking to apply for one of our pension loans but have a few unanswered questions, head over to our FAQ page for some of our most sought-after information. If you still can’t find the answer to your question or would like to talk directly to one of the team, just send us a message via our enquiries form or call us direct on 1300 471 328.

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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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