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Costs of relocating piling up? Apply for relocation loans!

Tired of your view? On the hunt for a new one? Finding your dream home may seem like the easy part. The next step is to move all that stuff you’ve accumulated over the years, and we bet there’s a lot of it. Moving can be both exciting and daunting. That’s why Nifty Loans wants to help soften the blow. If you’re looking to cover the costs of moving, we’re ready to help with relocation loans. You can apply in minutes and you could have your cash in no time! So, when you find yourself ready to begin your adventure in a new home, don’t let moving costs stand in your way! Before we get into the nitty-gritty of our loans, we’d better introduce ourselves.

relocation loans

Introducing Nifty Loans

Nifty Loans is a short-term lender that is ready to find Aussies the finance they need. We specialise in personal loans. Unfortunately, we don’t offer the likes of a relocation home loan or relocation mortgage loans, however, we certainly offer a range of personal loans! Whether you’re looking for travel loans, vet loans, medical loans, bad credit loans, or relocation loans; we’re just a click or tap away! We offer personal loans for a variety of reasons, starting at $500 and going up to $5,000. The repayment period depends on the amount you choose to borrow.

Don’t think you have time to apply? Think again. Nifty Loans is 100% online, so all you need is a few minutes of your time, and a laptop or mobile. So, don’t wait, apply today and our team will get straight to work!

What exactly are ‘relocation loans’?

Essentially, they are personal loans for moving expenses. They range from $500 to $5,000. The repayment period depends on how much you choose to borrow. If you’re not moving far, small loans will probably cover your expenses. Small loans are unsecured personal loans ranging from $500 to $2,000 and can be repaid over a period of 6 to 9-months.

If you’re moving interstate or perhaps you’ve found yourself a beach cottage to retire by the sea, you may be searching for something a little bigger. Nifty Loans also provides large, secured loans ranging from $2,001 to $5,000 and can be repaid over 9 to 24-months.

Does this sound like something you can get on board with? If so, just scroll up and apply with Nifty today!

Who is eligible to apply for relocation loans?

At Nifty Loans, we want all Aussies to have the chance to apply for the cash they need. However, we do have a few little requirements to meet before you can apply. To apply you must:

  1. Be over 18-years old;
  2. Be an Australia citizen or permanent resident;
  3. Have a regular income flowing into your personal account for at least 3-months;
  4. Have an active mobile number and email address.

That’s it! Just tick off these four little requirements, and you’re eligible to apply. See, that’s not so hard! Notice we didn’t say anything about bad credit or Centrelink? Don’t worry, more on that later, and it’s good news!

What to have by your side when you apply?

To apply with Nifty Loans, all you really need is a few minutes of your time and laptop or smartphone. However, it certainly doesn’t hurt to have a few details handy when you apply to save walking away from a half-finished application. So, to breeze through your application, have these details handy:

  • Personal contact details e.g. mobile number and email address and 100-points of ID;
  • The reason for your loan;
  • Internet banking details;
  • MyGov info;
  • Employment info.

Having these details by your side when you apply will save you the hassle of searching for them whilst you’re trying to submit your application. So, whether you apply on the go, or from your comfiest couch, have these details handy to fly through your application.

How to apply with Nifty Loans

Applying with Nifty Loans is super easy, trust us. An online application is waiting for you and you can complete it in minutes. We’re committed to no fuss lending, with a paperwork-free application. To apply all you need to do is follow 3 simple steps.

Step 1: You apply online

To get started, scroll up and you’ll find our loan calculator tool. Our tool is there to help you decide how much you wish to borrow and for how long. When you adjust the slider, you’ll see an example of your possible repayments. Play around with our tool, and then once you’ve decided on your proposed loan terms, click the ‘Apply’ button.

You’ll be taken to our application form where we’ll ask for a few more details, then click Submit!

Step 2: We assess your application

After you submit your application, our team will get straight to work, unless you apply outside of business hours. At Nifty Loans, our team employs the latest in secure banking technology to assess your application quickly, without submitting pesky paperwork.

Whilst we assess your application, you can sit back and relax or simply get back to what you do best. We’ll get an answer to your application in a jiffy!

Step 3: Approval

If we approve your application, we’ll send you an electronic contract to review and send back. Once we receive your signed contract, we’ll transfer the funds with our next round of banking! Of course, delivering times may vary on the speed of your bank. So, look out for your cash in your account and if you have any troubles don’t hesitate to contact us.

That’s it! Just three simple steps and you’ve applied and could possibly be approved. So, to get started simply scroll up and you’ll find our loan tool.

What if you’re not approved?

As a responsible lender, we may not be able to approve you for a loan at this time, but it doesn’t have to be bad news for long, but it doesn’t have to be bad news for long. If your application isn’t approved, you’re welcome to apply again when your budget has a bit more breathing room for loan repayments. Just because we said no now, doesn’t mean we will next time. So, keep Nifty Loans in your back pocket.

No hidden costs

At Nifty Loans, we want our clients to know the possible cost of their loan before they take out a loan. We don’t think you should be in the dark about possible repayments. All fees and costs associated with your loan will be clearly outlined in your loan contract. But, before you apply, you can find a general idea of what your loan may cost at the bottom of this page for the following loan types.

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

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. If you have any questions about what fees and charges are associated with your loan, please get in contact with our customer service team.

Do we conduct credit checks?

The short answer is yes, we do conduct credit checks. However, our team doesn’t consider your credit score as the only criteria for assessment. At Nifty Loans, we look at the big picture, including expenses, bank statements etc, not just your credit score. So, don’t let the fact that we conduct credit checks deter you from applying with Nifty. Just scroll up and hit the Apply button to get started.

Do we offer bad credit loans?

Yes! At Nifty Loans, we do offer bad credit loans. “What are bad credit loans,” you may ask? Well, they’re simply personal loans for those with less-than-perfect credit. At Nifty Loans, we don’t think credit scores should be the bottom line. We look at your current relationship with money when assessing your application. A couple of past financial mishaps shouldn’t necessarily dictate your financial future. We want all Aussies to feel welcome when they apply with Nifty, bad credit and all. So, don’t let bad credit stop you from applying for the finance you may need. Just apply with Nifty, and our team will do their best to help.

What about Centrelink and applying for relocation loans?

At Nifty, if you receive Centrelink payments you’re more than welcome to apply! Receiving Centrelink and applying for finance sometimes doesn’t mix, especially when you apply with traditional lenders.

Well, we’re glad you found us!

When we assess your application, we can classify Centrelink as regular income if you’ve been receiving payments for at least 3-months. So, if you receive Centrelink and looking to relocate, you can breathe a sigh of relief and apply for relocation loans for people receiving Centrelink!

100% Online. No fuss lending. That’s Nifty

When you apply with Nifty Loans, you can forget running to your nearest branch before it closes, never-ending lines, and tiresome meetings. That’s all part of yesteryear! At Nifty, we think differently. Applying for a loan should take minutes, not days. And we’re ready to help make applying for a loan easy and simple for all Aussies, bad credit and all.

That’s why our entire lending process is 100% online. No need to leave the warm embrace of your couch, or interrupt your productive workday with a trip to the bank. Just whip out our phone, find our website and apply! It just takes a few minutes, then you can go back to what you do best. That’s no-fuss lending. That’s Nifty Loans.

Committed to quality customer service

We may be 100% online, but that doesn’t mean we’re not committed to quality customer service. Behind your screen is a team of dedicated loan specialists ready to help when you need it most. Of course, our team need their beauty sleep, so if you apply or enquire outside of business hours, they’ll get back to by the next business day.

Apply 24/7 with Nifty Loans

We may not be able to manually assess your application at 9 pm, however, you can certainly apply whenever you like! We understand that when you’re in need of some quick cash, you’ll want to solve that problem quick smart. So, start whenever you like by applying for the cash you need, when you need it. Our team will get to your application within 2-hours of the next business day. So, when you need cash don’t hit the panic button, simply get started with our application – it is only a click or tap away!

Trusted by Aussies

Nifty Loans is trusted by thousands of Aussies every month to provide the cash they need when they need it most. We’re committed to responsible lending practices, so you can rest assured we won’t approve your application if you cannot afford your repayments. We want to look after Aussies and their financial wellbeing. So, if it’s a no this time, don’t forget, you can apply again when your finances stabilise.

Relocating? Contact Nifty!

Costs are steep, and whilst you’re busy focusing on your latest dream home, you may lose track of possible relocation costs. That’s when relocation loans come in handy. And what’s even handier? Nifty’s application is 100% online and you can complete it in minutes. We don’t require any pesky paperwork, instead, we electronically pull any relevant info we need to assess your application. So, whether you’ll be needing 1 or 10 moving trucks, Nifty Loans can provide the cash that will have your back when costs pile up.

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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:
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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:
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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.