White Goods Loans | Household Finance Loans up to $10,000

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Fast Personal Loan

up to $5,000

or

Car Loan

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

Estimated repayments:

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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.

White Goods Loan

What is a white goods loan?

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 $300 to $10,000 to cover these modern-day lifesavers. 

Types of white goods

You could use a white goods loan to cover expenses for any of the following items:

  • Fridges
  • Washing machines
  • Dishwashers
  • 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 fresh approach to your credit history. While we do conduct a credit check on every loan applicant, 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. 

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.

Commonly 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 $300 to $10,000 with our quick cash loan options. Your loan term will vary between 6 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. Don’t stress – our highly skilled and professional team will not disclose any personal information to your employer, including the reason for your application. 

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 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.