After A Secured Personal Loan? Apply up to $10,000 Online

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Fast Personal Loan

up to $5,000


Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

After A Secured Personal Loan?

A secured personal loan is right for you if you are: Looking to make an investment? Hunting for a new car? Or turning your hobby into a side hustle? go for Nifty. You can apply for secured personal loan with Nifty from $2,100 up to $10,000 and repay it over 9 to 24 months. Sounds perfect, right? It’s just what some people need to get a head-start on their latest venture, whether it be for business or pleasure! But before we launch into secured loans, we’d better introduce ourselves.

Introducing Nifty Loans

We are a neo-lender that is dedicated to providing easy finance for all Australians. We think finance should be accessible, not privileged. That’s why we offer easy finance to anyone who is looking to boost their funds. Whether you’re looking for a small investment into a side hustle or maybe an upgrade to your bathroom; we can provide the finance. Our loan process is 100% online and has zero paperwork! And more good news, our loan application only takes minutes to complete. That’s it! Easy, right?

What is a secured personal loan?

A secured personal loan is merely a personal loan that is backed by equity such as a motorbike, car (new or used), caravan or boat. Our medium and large loans range from $2,100 up to $10,000 and you repay secured loans over 9 to 24 months. All personal loans above $2,001 are considered secured and must be backed by security. We are upfront about all loan costs because we don’t want you to apply for a secured loan if you cannot risk the security. So, if you’re looking for a smaller loan, we offer those too!

What is an unsecured personal loan?

An unsecured personal loan is a personal loan that doesn’t have to be backed up security. Nifty unsecured loans start from $300 and go up to $2,000, and must be repaid over a 6 to 12 month period. Are you a bit of a commitment-phobe? Then, unsecured loans might just be your perfect match. Without a need for security, our unsecured loans are easy to repay with flexible loan terms. When it comes to the unexpected, Nifty Loans is prepared to help get you back on track.

Learn About Unsecured Personal Loans

What other types of loans can be secured?

Secured loans can be used for just about any purpose, this is provided the security is of equal or greater value than the loan itself. With loans for larger purchases, secured loans offer more security for the bank and less interest for the customer. So what types of loans can be secured?

  • Car Loans – If you do not own a car but are looking to buy one, car loans can be secured against the vehicle being purchased. This can be brand new or used. The loan terms generally range from between 1-5 years and the interest rate is usually lower than an unsecured loan. 
  • Home Loans – When taking out a home loan, the property in question is then used as security against the loan. This provides less risk for the large loan if it was to fail, as the bank would then take ownership of the property to pay off the amount owing if needed. 
  • Term deposit loans – Term deposits work like a high interest savings account for a large amount and allows you to invest for a set amount of time agreed with the bank and get a fixed interest rate. These can be useful to stop dipping into savings when saving for bigger items like a car, motorbike or boat, as it does not allow for easy access to the funds. 
  • Investment/Margin loans – A margin or investment loan is a secured line of credit which allows you to borrow funds to invest. This loan is secured against your shares or managed funds and can potentially increase the size of your investment returns and allow you to reach your financial goals faster. Although borrowing money to invest gives access to more money to invest, there are high risks associated with this so it is always best to do your research and ensure this is right for you before committing.

Who is eligible for a secured personal loan?

As it happens, those who qualify are also eligible for an unsecured loan! We’d love to provide easy finance for all Australians; however, we also adhere to responsible lending practices, so we have a few little requirements to meet before applying for a secured loan:

How old do i need to be?Must be over 18 years old
Residency?Be an Australian citizen or permanent resident
IncomeBe receiving a regular income into a personal account for the last 3 months
Contact Details?Have an active mobile number and email address

And that’s it. Just those four little requirements and you qualify. It’s that easy. So, if you’re looking for a helping hand, scroll up and apply for our secured loans!

What to have handy when you apply

We want to give our clients every tool so they can succeed. That’s why we provide flexible loan terms, accessible customer service, and all the right info to have handy to fast track our application process. If you have these details handy, your secured loan application will fly by:

  • Personal contact details, e.g. mobile number and email address
  • Reason for your loan
  • Bank account details
  • MyGov details (for Centrelink customers)
  • Employment info

If you have these details handy before you begin your application, you will be able to fly through the application! Scroll up to find out.

How to apply for a secured personal loan?

Applying for an easy personal loan is, well, easy! Our application only minutes to complete and is 100% online. Fill out our application from the comfort of your couch, snuggle into your favourite fluffy blanket and a cozy cup of coffee. Or if you need cash quick, complete our easy form on the go. Wondering how our loan process works? Well, wonder no more, here is the full lowdown:

Part 1: You apply online

Applying online is super easy. All you need is an internet enabled device, and that’s it! Our application form is super quick and easy to fill out. Just scroll up and use our secured loan calculator to begin your application.

First, select how much you wish to borrow and for how long. You’ll see that when you select over $2,000, your application will require the details of your chosen security. Then, decide how frequently you wish to make your repayments, either weekly, fortnightly or monthly. Once you are happy with your loan terms, click the Apply button and you’re already on your way to applying for a secured loan.

Personal Loan Calculator

Part 2: We Assess your Application

After you complete your online application, we do the rest of the legwork. Our team of loan specialists assess your application to determine whether you are eligible for a secured loan. While you’re waiting for your outcome, keep a keen eye on your notifications because we may request more info to help assess your application. We don’t believe in cheesy suspense. Therefore, we aim for a 60-minute turnaround (during normal business hours), so you’ll have your outcome in no time.

Part 3: Moolah delivered straight to your pocket

Congrats, if you’ve made it this far, it means you’re approved! You will receive an electronic contract to review and, if you’re happy with the proposed offer, simply sign where applicable and we will transfer your funds to your account. So, you can get back to what you do best. Access to funds is dependent on inter-bank transfer times.

That’s it. Just three parts to our loan process. And we do most of the legwork. Want to get started now? That’s easy, just scroll up!

No hidden costs

We believe that honesty is the best policy, so all our costs will be clearly laid out in your contract. You can find our main costs on our website, however, you can also find them again at the bottom of this page for the following loans:

  1. Small personal loans: unsecured personal loans $300 to $2,000
  2. Medium personal loans: $2,100 to $4,600
  3. Large personal loans: $5,000 to $10,000

Don’t forget that medium and large personal loans must be backed by a security, such as a motorbike, boat, car or caravan:

Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.

Learn About Our Loan Costs

Easy peasy repayments

After some simplicity in life? Well, you’re in luck as our secured loan repayments are easy and hassle-free. We use the latest in safe banking technology to set up automatic repayments via direct debit. Yes, you read that correctly. Our repayments are 100% automatic! No need to set hundreds of reminders only to forget to make your repayments. Just make sure you have enough moolah in your nominated bank account. Otherwise, you may be charged a dishonour fee.

Why do we ask for your bank account details?

Good question! We ask for your bank account details when you apply for a secured or unsecured loan to assess your suitability. Instead of purely looking at your credit score or credit history, we look at your current income and expenses. So, using the latest in safe banking technologies, we access a read-only copy of your bank statements and expenses. We value your privacy, so we don’t mess around with your details. Want it in writing? Have a read on our privacy policy.

Do we offer secured bad credit personal loans?

Yes! We sure do. We don’t believe that bad credit is the only indicator of suitability. That’s why we look at your current income and expenses to assess whether you are suitable to apply with Nifty Loans. We can look past previous financial mistakes and give you the ability to apply for the finance you need. At Nifty Loans, we know that sometimes the unexpected strikes and quick finance is your contingency plan. So, we want to help! If you have bad credit don’t be bashful, apply today, and we’ll see if we can help.

Do we perform credit checks on secured personal loans?

On the subject of bad credit, you may be wondering, “do we perform credit checks?” Well, the short answer is yes, we do perform credit checks. However, a credit check is not all we look at. As mentioned before, we mainly look at your current income to determine your ability to repay your loan. We also conduct credit checks because we adhere to responsible lending practices. Nifty Loans aims to provide all Australians with easy and simple finance; however, we won’t approve anyone that cannot afford their repayments.

Another great question! If you receive Centrelink, you may find it difficult to find finance at the doorstep of traditional lenders. Lucky for you, we think differently. We consider most Centrelink payments as regular income if you’ve been receiving them for at least 3 months! So, you’re after easy finance, and you receive Centrelink – then you may have met your perfect match. Hint hint – it’s us. Scroll up to apply for loans for people on Centrelink!

What happens if I cannot make my repayments to my secured personal loan?

Sometimes life hits with you the unexpected and our team of loan specialists understands that. So, if something happens that hinders your ability to make your upcoming repayment, give our team a call. Remember, they are humans too. And understand that life doesn’t always go to plan. Just make sure you give us 24 business hours notice before your repayment is due.

What are you waiting for? Apply Today!

If you need a boost in your funds, a secured personal loan may be the ticket. Our 100% online loan service is what you need for hassle-free finances. If you have any questions about our loan service, you can email our team at or call us on 1300 471 328. So, don’t wait – scroll up and apply today!

Let’s be friends

So, now that you know everything there is to know about secured personal loans, perhaps it’s time to put your knowledge to the test and scroll up to apply now!

You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. Just head to the FAQs page at any time and see if your answer is waiting for you.

Apply Now

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog

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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.