Title Loans up to $10,000 | Fast Approval Loans - Nifty

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I want to borrow $1,000

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

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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.

Title Loans: Nifty Has All You Need To Know!

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 $300 and $5,000 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!

Title Loans

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 you 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 in 60 minutes.

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!

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 just 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 can not 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.

Centrelink And Title Loans

Curious as to whether you could be eligible for a loan with title as collateral if you’re receiving Centrelink benefits? Unfortunately, this is a hard question to answer because every applicant’s financial situation is different. Sometimes, Centrelink can be seen as a form of income, however, in other cases, it cannot be. If you are receiving the benefits of NewStart, Youth Allowance or Austudy as your only form of income, it is unlikely that we would be able to help. Otherwise, the best thing to do is to go ahead and apply. Since the application is completely free, we won’t charge you anything and if you apply during standard AEST business hours you could have an outcome within 60 minutes.

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!

Documentation

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;
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer contact details.

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? Well, there’s no need to be because Nifty takes a fresh approach to bad credit. We understand that a mistake you made 7 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.

Apply For Title Loans Online

Ready to apply for a title loan online? Here’s how you do it.

Step 1: Scroll Up to Apply Online!

Firstly, if you’re ready to apply for a title loan, all you’ll need to do is scroll up and use our loan calculator to enter a loan amount and repayment period. Once you’re happy, simply hit ‘apply now’.

Step 2: Submit Your Online Application

If you’ve decided to ‘apply now’ you will subsequently be directed to our 100% online application form. The application form could only take a few minutes to complete and if you apply during AEST business hours you could have an outcome within 60 minutes. Once you’ve submitted your application, all you need to do is sit back and relax. Then our team will do all the hard work.

Step 3: Read & Sign Your Loan Contract

If your application is successful our team will be in touch! Therefore, our lenders will send over a contract for you to read and sign. We encourage all applicants to make themselves aware of any fees and charges that could be incurred for late or failed payment. When you’re happy, just sign and send it back.

Step 4: Receive Your Funds!

When we’ve received your signed contract we’ll send the money straight over. Because of inter-bank transfer times, the speed at which the money will hit your account may be affected. However, we will always do our best to get the cash to you as soon as possible – hopefully on the same day! If you have an NPP enabled bank account, you can even receive your funds instantly!

We Help You!

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

Title LoansAmount AUD ($)Approved
Loan Against My Car Title2,100
Title After Paying Off Car Loan2,500
Loan Using Car Title As Collateral3,000

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.

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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Andy Andy

AUTHORITATIVE SOURCE

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 Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.