Unexpected bills loan up to $5,000 | Fast outcomes | Apply Today!

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Fast Personal Loan

up to $5,000

or

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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.

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Unexpected bills loan up to $5,000. Apply!

Did you get an unexpected bill recently?

It happens to the best of us, we’re going about our normal routine until we’re surprised with that damn bill. In comes Nifty with an unexpected bills loan! This could help cover anything! For example, say your furry friend decides that the plaster wall looks like a tasty snack. After a bit of gnawing and a few licks, they may have second thoughts. But guess what? The wall is ruined and you have to cover the repair.

Yep, that could totally happen and we’re tired just thinking about it! You could even be eligible for an instalment loan with Nifty! Worried that bad credit could stand in your way? It doesn’t have to – apply for a bad credit loan today!

unexpected bills loan

Are unexpected bills getting you down?

It can be such a pain when things don’t go to plan. If you can’t find enough cash in the bank, check out our unexpected bills loan!

Nifty Loans offers convenient, fast, fuss-free, fair loans. We understand that sometimes life throws you unexpected bills and we want to help ease that stress.

So why choose Nifty Loans?

Here at Nifty Loans, we believe we have the best customer service to assist you in getting a loan! All of our customer service staff are based in Australia because we are an Australian company! We look at how you currently manage your money, rather than focusing just on your credit history. Of course, being a responsible lender, we won’t offer you a loan you simply can’t afford.

Since we are 100% online, you don’t need to wait to apply. If you apply during business hours, you’ll likely receive an outcome within 60-minutes! Did you apply outside of our business hours? No worries! We’ll get you an application outcome first thing next business morning when we’re back in the office.

So what is an unexpected bills loan?

Did your quarterly rates creep up on you yet again? Maybe it was a huge mobile data bill. No matter what the bill is, we can help you out.

An unexpected bills loan is a small, fast, 100% online loan, between $300 – $5,000.

Our application form can be completed in just minutes, how easy is that! Once you’ve submitted your application, we’ll try to get back to you within 60 business minutes (during normal business hours)! Don’t worry too much if it takes us a bit longer than 60-minutes though, sometimes we need extra information from you so we’ll be in touch!

When you apply, you’ll need to have a few things on hand. Have your contact details ready, such as your email address and mobile number. You’ll need to give us a reason for the loan, so put down as many details as you can.  Know how much your expenses are, like bills, rent, and groceries, we’ll want to know.

To meet our eligibility, all you need is to be over 18, have a regular source of income being deposited into a personal bank account and be an Australian citizen or permanent resident. Match all of these? You can apply!

Are you looking for an unexpected bills loan?

Then look no further! Nifty Loans are here to help you!

Here at Nifty Loans, we understand the various expenses life can throw at you. That’s why we offer loans for such events like car repairs, dental bills, medical bills, and rental bonds.

No matter what surprises life brings to you, you know you can turn to Nifty to apply for a quick personal loan online!

Do you perform credit checks?

As a responsible lender, we do credit checks on all loans. However, we also take your current relationship with money into account.

Here at Nifty Loans, we believe that everyone deserves a second chance and you should be able to put your credit history in the past!

We believe that we can get more accurate, up to date snapshots of your current relationship with money by looking at 90-days worth of your bank statements rather than relying on your credit history alone.

Have any more questions? The Australian Government website MoneySmart might have the answers you are looking for!

No hidden costs

If you’ve found yourself in a pickle, the last thing you need is ambiguous costs. So, that’s why we are 100% upfront about all our loan costs. All the fees and charges associated with your loan will be included in your loan contract. For a basic idea of what your Nifty loan may cost, you can find some examples at the bottom of the page for the following loan types.

  • For small personal loans: unsecured loans from $300 to $2,000
  • For medium personal loans: secured loans from $2,100 to $4,600
  • For large personal loans: secured personal loans of $5,000

Other fees and charges may be payable. If you fail to make a repayment without notifying us of any changes in your situation, additional fees may be added to the balance of the loan. If you find yourself confused by the fees and charges in your loan contract, don’t hesitate to get in contact with our friendly team of loan specialists.

What if I have had bad credit in the past?

Got a bad credit rating? Not a problem!

Because we believe that everyone deserves a second chance, we can help get you back onto the road to financial success. Submit an application and we’ll see what we can do for you.

A bad credit rating doesn’t mean you’re a bad person. Maybe you forgot to pay a utility bill on time or struggled to make ends meet because you were having a bit of bad luck on the job front. We assess all our applications on a case by case basis and we encourage all those looking for an for quick cash to apply. Have a chat with our friendly customer service staff about your whether your eligible to apply. What if I want to apply outside of business hours? We are 100% online, so you can apply for an unexpected bills loan whenever it suits you! Our quick application takes minutes to fill out. Once you’ve sent it through, you could be approved in 60-minutes during business hours when you apply in normal business hours.

Hit the APPLY button and you could be on your way to solving those money dilemmas.

Unexpected Bills Loan: How Do I apply?

If you’re looking for a hand with an unexpected bill and your ready to apply for a cash loan with Nifty you’ll be pleased to know that our application process is fast and efficient. We make it simpler than ever for Aussies to access the cash they need without any of the fuss of a traditional lender. So, here’s what you’ll need to do: 

Apply online 

Ready to start your Nifty journey? Head to the top of the page and use our unexpected bill calculator to enter your loan amount and the repayment period. 

Fill out the form 

Our team will need to grab a few important details from you in order to properly assess your loan application. Our 100% online application form could only take you a few minutes to complete. We won’t even ask you to fill out any paper forms or submit paper copies of your bank statements. 

We assess your application 

As soon as you submit your form the Nifty team will start their assessment. You can kick back and relax, let us do the hard work! Keep in mind that if you apply during AEST business hours you could have an answer from the Nifty team within 60 minutes. 

Sign your agreement 

If your application has been successful our team will send over an agreement for you to review and sign. We encourage all borrowers to read through their agreement carefully and make themselves aware of the full terms and conditions of the loan product. Feel free to get in touch with our team if you have any questions regarding our agreement. We are always more than happy to help! 

Get your cash 

Once our team receive a signed copy of your contract we will deposit the money straight into your account. Instant banking is now making it possible for borrowers with NPP enabled bank accounts to have the cash in their account and ready to use in 60 seconds. Talk about speed and convenience!

Apply Online
Complete the Quick Form
Wait for Assessment
Sign your Agreement
Get your Cash

What if I’m on Centrelink? Am I still eligible to apply?

Yes!

As long as you have regular Centrelink benefits paid into your own bank account, you are eligible to apply for an unexpected bills loan.

As a responsible lender, we only lend to those we truly believe can afford to make their repayments.

How do I repay my unexpected bills loan?

Repaying your unexpected bills loan is easier than you think!

Once your loan has been approved, we will set your repayments up as a direct debit. Your direct debits will automatically be debited from your account, so you won’t ever have to worry about remembering to make your repayments! Just make sure you have enough moolah in your bank account when your repayments are due.

Once your loan term is completed your direct debits will automatically stop. It really is as easy as that!

What are you waiting for?

We are an Australian based company with local customer service representatives to help you with your application. Because we are 100% online, you could be assessed for your unexpected bills loan before you know it!

 

Apply Now

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.