- Outstanding customer service
- 60-second transfers once approved3
- Fast applications1 and same-day loan outcomes2
- Check if you qualify - no impact on your credit score
Renovation Loan
- Smart and quick application form, which can be completed in minutes
- 50% of applicants receive an outcome instantly
- For applications that do not receive an instant outcome, most receive a final outcome on the same day!*
- Smart and quick application form, which can be completed in minutes
- 50% of applicants receive an outcome instantly
- For applications that do not receive an instant outcome, most receive a final outcome on the same day!*
We're a part of the award winning Jacaranda Finance group.
Here's what you can expect:
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.
Let’s get renovating!
Ah, change. We all need it. The circle of life and all that. Sometimes we shy away from it, and sometimes we embrace it. Yet no matter how we react to it, change is always coming. One of the biggest changes that can occur is in the home. Whether it’s children growing up, or your kitchen needing a major upgrade, change can affect all areas of your home life. When changes come knocking, a renovation loan can be the answer! If you need a boost to your home renovation fund, then Nifty Loans could help with a small loan today. But before we get into the nitty-gritty details, we better introduce ourselves.
Introducing Nifty Loans
Nifty Loans is a loan company that is 100% online! We are fast, easy, and convenient. No more lining up at the bank, no more long meetings – just a quick click of a button and you can apply for a loan! With our quick application, fast outcomes and speedy cash, Nifty Loans is the loan company to turn to when life strikes with the unexpected. Or change creeps up and gives you a surprise. Either way, change can be hard to prepare for and sometimes you need an added boost to your funds. Worried that bad credit could stand in your way? It doesn’t have to – apply for a bad credit loan today!
Close up: Renovation loan
You may be thinking “what is a loan for renovation and how can you use it?” Well, Nifty Loans offers personal loans for many reasons, including home renovation! If you wish to add a small boost to your funds for a new kitchen, bathroom or perhaps, new decor, then you can apply for one of our unsecured personal loans. If you need a larger boost to your funds, then, consider our medium personal loans starting from $2,100 – $4,600 or a large secured loan of $5,000 – $15,000. Any loan over $5,000 requires equity such as a motorbike, caravan, car or boat to secure it.
Are you eligible?
You may be! Nifty Loans wants to provide loans for any Australian who is seeking easy finance. However, we do have a few little requirements to meet before you apply for one of our renovation loans.
Nifty Loans criteria: how to check if you’re eligible to apply:
- Must be over 18 years old
- Be an Australian citizen or permanent resident
- Be receiving a regular income into a personal bank account for the last three months
- Have an active mobile number and email address
And that’s it! Just those four little requirements and you’re eligible to apply with Nifty. It’s that easy. So, before applying for quick loans, make sure to check off all the requirements on the list.
How to speed up your application
We already think our application is super speedy, but we do have a hyper-speed mode and we think that time is money, so we’ll share it with you!
To save time when applying for one of our renovation loans, have this info handy:
- Address and mobile number
- Reason for a loan
- Bank account details
And that’s it. Just have these four little things ready and you’ll fly through our speedy application. You can apply for our quick loans over breakfast and have an answer on it by lunch!
You may be thinking “why do we need our bank account details?” It’s a reasonable concern. If online scams have taught us anything, it’s to be wary of exchanging banking details online. However, don’t worry, you can trust us. We only require your bank account details to access a read-only copy of your bank statements and expenses. Nifty Loans wants to protect your privacy and information. We are dedicated to upholding our privacy policy and only sharing your info when we have your permission.
How to apply
We know that finance can sometimes be complicated, but we don’t want it to be! That’s why we’ve created a fast and easy application process. So, you can get your money quickly and go back to what you do best. That’s Nifty!
To help with your application, here are a few steps to follow and you’ll have your application completed in no time!
Step one: Apply online
We think our application is pretty speedy – so speedy that we are willing to say it only takes minutes to complete! We use the latest in safe banking technology to process your application as quickly as possible. So, all that’s left to do is get started!
To begin your fast application, use our loan calculator. Firstly, select how much you wish to apply for, and for how long. Then, select how frequently you wish to repay your loan, either weekly, fortnightly or monthly. Once you’re happy with your loan terms, click the Apply Now button and you’ve begun your application. It’s that easy!
Once you’ve arrived at the application, we ask for your essential information to help us assess your ability to repay your loan.
Step two: Conditional approval
After we receive your application, all you have to do is wait for our verdict, which should be on the same day!* So whilst you’re crushing those candies, keep an eye on your notifications for important info.
And no need to fuss over mountains of paperwork, our application process is 100% online and paperwork free.
Step three: Assessing your application
Let the loan processing begin! Our loan specialists will assess your application whilst adhering to responsible lending practices. At Nifty Loans, we do not approve a customer that cannot afford their repayments. Don’t worry, you won’t be waiting around for long to find out whether you’ve been accepted. We know that time is money and we don’t want to waste yours, so we aim for same-day loan outcomes* when you apply within normal business hours.
Step four: Collect your money!
If you hear the good news of the approval, then congrats! After you’ve signed your loan contract, your precious money for your renovation loan will be on its way to your pocket shortly. Times may vary depending on the speed of your bank, however, you should receive your funds overnight at the latest (as long as you accept your contract during normal business hours).
And that’s it. Just those four easy steps and you may find yourself with a small loan by the time the day’s gone. That’s Nifty!
No hidden costs
Nifty Loans believes that a relationship should be founded on honesty. That’s why we are 100% upfront about all the possible costs in your contract. For an example of the possible costs associated with one of our loans, have a look at the bottom of this page or in our costs page.
Flexibility, flexibility
Who said finances couldn’t be flexible? In our world of steel tight gym contracts and suffocating lock-in Foxtel covenants, we could all use a bit of flexibility in our lives. That’s why we provide a flexible loan service! Our personal loans can essentially be used for any reason under the sun. We provide, car loans, holiday loans, wedding loans, pet finance loans, caravan loans, and the list could go on! And don’t forget about a renovation loan.
We also offer flexible repayments. When you apply for a loan, you can choose whether to make your repayments weekly, fortnightly or monthly. With Nifty Loans, you can easily squeeze your repayments into your financial commitment schedule without breaking a sweat! We can also coordinate your repayments around your payday, so you never miss a repayment. It’s that easy.
Had bad credit and looking for a renovation loan?
Have bad credit and thinking about a home upgrade? Well, we’re glad you found us. We are more lenient than traditional lenders. When we assess your application we look at the positives, not just the negatives. Nifty Loans adopts the philosophy of positive credit reporting and believes that past mishaps should be left in the past. We want to look towards your current finances.
We do perform credit checks, but don’t let that deter you from applying. When assessing a loan application we look at the individual circumstances and we can see if we can help. We want to help Australians looking for easy finance, so why not apply today?
Top renovation tips
1. Research
You may be dreaming of hot pinks walls or retro-style features; however, that may not suit the current market. When renovating your property keep in mind the selling price, even if you’re not thinking of selling for a while. And hey, there’s nothing wrong with watching a few renovating shows (it’s research, right?).
2. Budget and plan
Before you dive into a major and small home renovation, begin with a plan and most importantly, a budget. Find out how much you wish to spend, then coordinate your plan around your realistic budget.
3. Look after your front door
The front door is the first impression you or anyone else has of your home. And they say first impressions count for everything. So, if your front door needs some TLC, give it a little love by giving it a new colour or using elbow grease to make it shine! Home renovation doesn’t have to break the bank.
4. Paint and lighting
When you deciding to paint your living room a different shade, keep in mind how the light will affect the colour and size of the room. Darker shades tend to make a room look smaller, however, it could potentially be cosier, so it depends on what you want from your space.
5. It’s all about the storage
Think of storage when you’re renovating your home. It’s always a good idea to create more space when you have the opportunity.
6. Natural light
When you’re renovating a space, take every opportunity to allow some natural light into the area.
7. Give your bathroom a touch of love
We can spend a lot of times in our bathrooms between showering, grooming, and other things…so it’s important our bathrooms are lovely to be in. If you feel like your bathroom makes you sad it may need a touch of love.
We may not be renovation experts, however, we are loan experts. And we know that a renovation loan can kickstart a dream renovation project that’s in the works.
Let’s be friends
You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.
Ready to Apply?
