Unexpected Bills Loan up to $10,000 | Quick Loan Outcomes

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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.

Unexpected Bills Loan

Nifty Loans offers unexpected bills loans from $300 to $10,000 for eligible borrowers.

Nifty Loans designed unexpected bills loans to assist Australians that have been hit with an expense out-of-the-blue. We offer loans up to $10,000 so that you can cover your expenses in manageable instalments over time.

Finding it hard to manage unexpected bills?

If you have been hit with multiple bills falling due on the same day, we have designed a loan option just for your predicament. Nifty Loans offers unexpected bills loans from $300 to $10,000 for Australians that are struggling to manage their bills. Whether you have one large bill or multiple smaller bills, you can use an unexpected bills loan to cover these costs to later repay in manageable instalments. 

Nifty Loans is one of Australia’s fastest-growing short term lenders. We are also 100% online, which allows us to deliver you fast and efficient services. We often process our loan applications within 60-minutes and support instant transfers on approval; you could have your cash ready to use within just 60-seconds**! When you are borrowing money for unexpected expenses, Nifty Loans offers personal finance to suit you.

What is an unexpected bills loan?

Unexpected bills loans are a type of personal loan designed to be used by Australians that are struggling to manage their bills. We offer unexpected bills loans from $300 to $10,000 for anything from emergency medical bills to a high power bill. We offer three types of personal loans: small loans, medium loans and large loans. Our medium and large loans are both secured loans; this means you must have an asset to attach as collateral. 

Loan type

Loan amount

Repayment terms

Small loan

$300 to $2,000

6 to 9 months

Medium loan

$2,100 to $4,600

9 to 24 months

Large loan

$5,000 to $10,000

9 to 24 months

For a more detailed breakdown of our loan options, refer to our costs page. 

How to apply for an unexpected bills loan

Nifty Loans has created an application process that is simple and easy. We are 100% online, so we handle everything from your application to approval completely online. Our application takes just a few minutes to complete, and you could hear back from us with the outcome of your loan within just 60-minutes*. Once we have approved your application, you could have the money in your bank account within 60-seconds** so you can cover your bills quickly. To apply, follow these straightforward steps:

Step 1: Complete your online application form

Step 2: Our team will assess your application

Step 3: We will let you know whether your application has been successful

Step 4: If approved, review and sign your contract

Step 5: Receive your cash for your unexpected bills

Eligibility

If you are unsure whether you are eligible for our unexpected bills loan, we have provided our eligibility criteria below. We cannot provide loans to people that do not meet our requirements, so please ensure you can say ‘yes’ to the following before you apply:

  • You are at least 18 years old
  • You have had a consistent income into your bank account for at least 90 days
  • You are an Australian citizen or permanent resident
  • You have an active email address and mobile number
  • You have internet banking set up 

Supporting documents

We also require some supporting documents to be submitted with your application. To make your application completion time as fast as possible, and so that our team can process your loan quickly, please ensure you provide the following documents:

  • 100 points of identification
  • Your basic personal information (full name, date of birth, address etc.)
  • The reason for your loan
  • Your online banking details
  • Your myGov details (if you currently receive Centrelink)

Unexpected bills loans with bad credit

If you need an emergency loan and you have bad credit, you may find it difficult to find a loan with a traditional lender due to their strict credit requirements. However, Nifty Loans is an online lender, which means that we are able to be lenient in our credit requirements. We offer personal loans for bad credit unexpected bills to eligible applicants. We conduct thorough financial assessments of each of our applicants in order to determine whether a personal loan is manageable for them. If after our analysis we find that an applicant can manage their loan, even with bad credit, we are able to provide them with a same day loan.

All applications are subject to an individual assessment. We must still conduct a credit check on all of our applicants in compliance with responsible lending guidelines set by ASIC; however, even if you have a bad credit score, we may be able to provide you with a loan.

FAQs

Why do you need my online bank details?

We will use copies of your recent bank statements as a part of our financial assessment. We will analyse your income and expenses to determine whether a personal loan is manageable for you. 

How do I repay my loan?

We will set up a direct debit in line with your pay cycle. This is so that your loan repayments will come out automatically. When your loan has been repaid, your direct debits will stop immediately.

Can I get an unexpected bills loan if I receive Centrelink benefits?

We consider most forms of Centrelink income as regular income. As long as you have received your government benefits for at least 90 days and meet the rest of our eligibility criteria, we may be able to provide you with a loan.

What if I miss a repayment?

There will be a fee added to the total amount of your loan for late or missed payments. All potential fees and charges will be clearly outlined to you in your loan contract. If you know that you will be missing an upcoming payment, please contact our customer service team at least 24 hours beforehand so that we can try to find a solution that suits you.

*If you apply within our business hours

**If you have an NPP-enabled bank account

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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 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 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 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.