Renovation Loan | Home Improvement Loan up to $10,000

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
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*During normal business hours.

Renovation Loan

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 you are blooming from a young adult into full adulthood, or your kitchen needing a major upgrade, change can affect all areas of your home life. When changes come knocking, a renovation loan can 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. Our unsecured personal loans range between $300 – $2,000. If you need a larger boost to your funds, then, consider our secured personal loans starting from $2,100 – $4,600 or a large secured loan of $5,000. Any loan over $2,001 requires equity such as a motorbike, caravan, car or boat to secure it.

Light bulb

Here's a Nifty question!

Have you planned your renovations carefully? Remember, measure twice, cut once!

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
  • Centrelink info (if applicable)

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 moolah 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 already 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 within 60 minutes (within normal business hours)! 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 a 60-minute turnaround when you apply in normal business hours.

Step four: Collect your moolah!

If you hear the good news of the approval, then congrats! After you’ve signed your loan contract, your precious moolah for your renovation loan will be on its way to your pocket shortly. Times may vary depending on the speed of the banks, 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 positive, not just the negative. Nifty Loans adapts 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 any Australian looking for easy finance, so why not apply today?

Receiving Centrelink payments and looking for a home renovation loan?

If you’re receiving Centrelink payments you may have been knocked back by traditional lenders. That’s why we offer loans for home upgrades to people receiving Centrelink payments. We do adhere to responsible lending practices, however, we do consider Centrelink payments regular income. So, if our loan specialists believe you can afford to repay your loan you may be approved for a renovation loan! We encourage any Australian seeking easy finance to apply for quick loans.

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 the room look smaller, however, 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.


Here's a Nifty fact!

Kitchens are ranked as the most expensive room in the modern home to renovate

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.



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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:
View Loan Details

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:
View Loan Details

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.