Title Loans up to $15,000 | Fast Approval Loans - Nifty
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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.

Title Loans

Are you looking for the perfect way to acquire a personal loan? Why not use your car as security and apply for a title loan with Nifty. We could provide you with between $2,100 and $15,000 cash quickly and without the stress. The best part is, Nifty is 100% online. What does that mean? Well, it means you can apply for title loans wherever you are and whenever is convenient for you. All you need is an internet connection – you could even complete our online application form on your smartphone. At Nifty, we are all about convenience!

What is a title loan?

Heard of a title loan, but unsure of what it actually is? Well, let us make it super simple. A title loan or loan using car title as collateral is basically a secured loan. A secured loan means the applicant uses an asset as collateral. Wondering what collateral means? Essentially, collateral is like insurance on a loan. If the applicant fails to pay back the loan then the collateral can be taken as a form of ‘payment’. Nifty makes it easier than ever to apply for a title loan. Since we are 100% online, our application process is quick and easy. Cut the stress out of applying for finance and apply for a quick title loan with Nifty today.

Will a title loan help me?

A title loan is a loan whereby the customer hands over the title of their vehicle (the ownership of the asset) to a lender as collateral. A pro to a title loan is that you do not need to have perfect credit because the loan is secured against the vehicle which ensures a reasonable amount of cash for the customer and a guarantee for the lender that the debt will be repaid. Providing you own the vehicle free and clear it is likely the lender will approve you without issue with funds available to you almost immediately. Four things to consider before taking out a title loan:

  • Can I afford to the repayments on the loan?
  • Can I afford to risk the item? (i.e is it essential)
  • If not, have I considered other options?
  • Will the security cover the full cost of the loan if I fail to repay it?

Nifty Loans Australia

Nifty is a lender with a difference. We are your local. Our priority is lending a hand to Aussies when they need it. That means making the process for online title loans simple and streamlined. At Nifty, we understand that the traditional methods of applying for a title loan are time consuming and outdated. In our modern day world, there is no time for waiting in lines or filling out pages and pages of paper forms. At Nifty, when you submit an application for a loan with a car title as collateral the application could only take you a matter of minutes. If you apply during standard AEST business times you could even have an outcome on the same day*.

Responsible Lending With Nifty

At Nifty, we are focused and committed to providing fair and reasonable loans whilst abiding strictly by the code of responsible lending. What does responsible lending mean? Basically, we will never lend you an amount of cash that we do not believe you can pay back. We don’t want to put you in financial stress, we’re here to help with any hurdles that might come your way. Nifty is all about promoting financial wellbeing and positive habits so we want to help our clients deal with any unexpected expenses. Applying for finance can be a daunting process but our team is always here to help. We understand what it is like to go through a stressful time and we will do our best to make you experience with Nifty a positive one!

Eligibility for Title Loans

Ready to apply and wondering if you’ll be eligible? Above all, we like to keep things as simple as possible. We don’t over complicate things. So, if you can say ‘yes’ to the following you could scroll up and apply right now:

  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90-days into a bank account that is your own;
  • All applicants must have an active mobile phone number and email address;
  • You must have internet banking set up and ready to be used.

We want to make things nice and easy for our applicants. So, if you’ve got a burning question, just go ahead and get in touch!


Wondering what you’ll need with you to complete the application form? Here’s what we suggest you have handy:

  • Personal details like your online banking & employment info;
  • An active email address and mobile number;
  • The reason you are applying for the loan;
  • Employer contact details.

We Help You!

We love helping Aussies! Have a look at the title loans we’ve already approved:

Title Loans Amount from AUD ($) Approved
Loan Against My Car Title $2,100
Title After Paying Off Car Loan $2,100
Loan Using Car Title As Collateral $2,100

Disclaimer: The above examples are for illustrative purposes only. They do not, in any way, reflect the terms or interest rate of your possible loan, or the amount you may be approved for.

Frequently Asked Questions

Why should I apply for a loan against my car title?

Are you thinking about applying for a title loan? Wondering whether it’s the right move for you? Have you been googling ‘fast cash title loan’, ‘title after paying off car loan’, or ‘loan on my car title’? A title loan is basically a secured loan that uses your car title as the security. A title loan with Nifty could be an effective way of getting the cash you need when you need it.

Wondering what the benefits of a title loan actually are? Using your car title as collateral could mean you will be eligible for a larger loan because the lender has your car as security. Ultimately, the amount you will be eligible to apply for is determined by the value of your vehicle and your ability to repay the loan. As a result, an applicant’s ability to repay a loan is determined by a number of different factors. Some of these could include employment status, current financial circumstances, and credit rating. The good news is, at Nifty, we are realistic about finance so we don’t base our entire assessment off your credit score. Our team will do their best to get an idea of the bigger picture and match you with a loan product that could fit those circumstances.

Is a title loan the same as a pawn loan?

Just to make things a little clearer, a title loan is not the same as a pawn loan. A pawn loan is not regulated in the same way as a title loan. The law surrounding what pawnbrokers can and cannot do is somewhat of a grey area. At Nifty, when you apply for a loan with title as collateral you know you are trusting a responsible lender with your vehicle title. Our team prides itself on professionalism and fair practice. Contrary to what some believe, Nifty will not take your car as the first point of call if the loan defaults. We are committed to doing everything within our power to find alternative solutions. The Nifty team is here to make the process easier. So, if you’ve got any questions at all, don’t hesitate to get in touch.

How do we look at credit?

If you’ve been googling ‘loan against my car title’ or ‘get a title loan online’ but are worried that credit could stand in your way, there’s no need to be because Nifty takes a fresh approach to bad credit. We understand that a mistake you made 5 years ago shouldn’t necessarily have to affect your ability to get a title loan today. Our team will always conduct a credit score check, however, this will not be the sole focus of our assessment. Our team will look at your spending habits, employment status, and the ability to repay the loan as indicators. When you apply for a title loan with Nifty you can be guaranteed a fair go.

Interested to know more?

Want to learn more about personal finance? Check out the Nifty Loans blog! With a diverse selection of articles bound to inform and educate, you can read up on some of the best ways to manage your money in the often complex world of finance.

Alternatively, if you’re looking to apply for one of our title loans but have a few questions that have gone unanswered, head over to our FAQ page for some of our most sought-after information. If you still can’t find the answer to a specific question or would like to talk directly to one of the team, just send us a message via our Contact Form or call us direct on 1300 471 328.

Do you need to get money fast? Why not let Nifty help!

Know the difference between a novated lease and a car loan? Find out which one is better for you!

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