A white goods loan, otherwise known as a household loan, is a personal loan to cover the expense of repairing, replacing or purchasing white goods. White goods are large electrical home appliances that are typically finished in white enamel and can be considered essential goods and services. We offer fast cash loans from $2,500 to $10,000 to cover these modern-day lifesavers.
You could use a white goods loan to cover expenses for any of the following items:
- Washing machines
- Ovens and microwaves
- Air conditioners
- TVs and electrical goods
- Beds and other furniture
White goods loan for bad credit
Worried your credit history will impact your loan application? Here at Nifty, we like to take a different approach to your credit history. While we conduct credit checks on loan applicants, we will look at your financial situation as a whole. We look at your current relationship with money. So, you can rest assured that your credit score will only be one factor in whether we approve your application.
White goods loans on Centrelink
Not sure if you can apply for a white goods loan while receiving Centrelink? We consider most Centrelink as regular income, so as long as you have been receiving your benefits for at least 3 months and you meet the rest of our eligibility criteria, you can apply for a white goods loan Centrelink with Nifty.
Unfortunately, we cannot provide loans to anyone receiving Jobseeker or Youth Allowance as these are only temporary benefits.
Am I eligible?
We have a few eligibility requirements that all of our applicants must meet. Before you apply, ensure you can say ‘yes’ to the following:
- You are at least 18 years old
- You are an Australian citizen or Permanent Resident
- You have received a regular income into a personal bank account for the last 90 days
- You have an active mobile number and email address
Apply with Nifty
Ready to apply? Follow these simple steps and apply for a white goods loan with Nifty Loans
1. Apply online
Applying is easy with our 100% online, paperwork free application. Simply scroll to the top of this page and press ‘Apply Now’ and get started on our simple and easy application process.
2. We assess your application
Once we have received your completed application with the relevant supporting documents, we will begin assessing your application. We will aim to get back to you within 60 minutes* with an outcome (if you apply within AEST business hours).
3. You receive your cash
If your application is approved, we will send a copy of your contract straight to you. We encourage you to read the contract thoroughly to become familiar with any fees and charges that may apply. Once you’ve signed your contract and we have received it, we will send your money straight to your nominated bank account. You could have your money within just 60 seconds**.
Apply for a white goods loan with Nifty today and save the hassle of going without your everyday essentials.
Frequently asked questions about white goods loans
Still have questions? Here are some of the answers to our most commonly asked questions.
What are the rates and fees?
This will depend on a few factors. The following are things that can affect the rates and fees associated with your loan:
- The amount you borrow and your loan term
- Your credit score
- If your loan is secured or not
For a more detailed breakdown, check out our costs page or use the loan slider at the top of the page.
How much can I borrow?
You can borrow anywhere from $2,500 to $10,000 with our quick cash loan options. Your loan term will vary between 9 and 24 months, depending on your loan amount and your personal preferences.
Do you do employment checks?
We will only conduct an employment check if we need to request more information or verify your employment. If we do need to conduct an employment check, don’t stress – our highly skilled and professional team will not disclose any personal information to your employer, including the reason for your application. However, in most cases, we won’t need to.