Renovation Loan | Home Improvement Loan up to $15,000
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* 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.

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 loanswedding loanspet 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?

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?