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After A White Goods Loan? Apply Now | Up To $10,000

What is a white goods loan?

A white goods loan is a helping hand when your life, and appliances, seem to be turning against you. Dishwasher pack it in? Washing machine starting to mysteriously leak? White goods are expensive to repair or replace and disaster always seems to strike when you’re least prepared. 

That’s where Nifty Loans come in. We know you can’t anticipate emergencies – no one can.  That’s why we offer quick financial solutions to Aussies across the country. All you need is an internet connection and a few minutes of your time to submit an application with us. Apply online today for up to $10,000 and you could even have an outcome in just 60 minutes!* 

White Goods Loan

What can I get with a white goods loan?

Nifty’s personal loans can be used to cover the cost of white goods repairs or even the purchase of new household items. That means you could use your white goods loan to cover the repair or replacement of any of the following:

  • Fridges
  • Washing machines
  • Dishwashers
  • Ovens and microwaves
  • Air conditioners
  • TVs & electrical goods
  • Beds & other furniture

And that’s just the tip of the iceberg! Our loans start at $300 and go all the way up to $10,000, so the options are endless. 

Why are white goods so expensive?

White goods are large electrical home appliances that are typically finished in white enamel. In letting/rental terms, they generally refer to the major kitchen appliances, such as fridges, washing machines and dishwashers. Yet some also consider large household goods such as TVs, beds, and other furniture to fit within the same category. 

White goods are often a huge time saver and have become a necessary feature of modern-day life. Yet, since these large items are expensive to manufacture the cost is passed down to everyday consumers. As a result, buying and replacing white goods can leave many in the lurch in the unfortunate event of a broken stove or a leaking washing machine. That’s why lenders like Nifty offer personal loans to help with these unexpected disasters. 


Here's a Nifty fact!

Bottom-mounted freezer refrigerators are much more expensive than top-mounted freezer models

Why choose Nifty?

In short – we are fast, easy and 100% online. That means no tiresome lines at the bank, no endless meetings and no mountains of paperwork. You can apply for a white goods loan from the comfort of your couch or even on your lunch break. 

Our secured and unsecured personal loans start from $300 and go all the way up to $10,000. So when the unexpected strikes, you know you Nifty is always just a tap away for easy and fast finance. 

Get the facts

Small, online lending may get a bad rap sometimes. There are some lenders out there who will seduce you with phrases like no credit check loans or payday loans. But we’re not like that.

Nifty Loans doesn’t want you caught up with finance that you didn’t agree to. That’s why we assess every loan thoroughly to ensure that our clients can afford to make repayments without getting into unnecessary financial difficulty. It’s also why we’re sticking to our commitment to transparency. By providing personalised, fair finance that can help with life’s curveballs, and laying it all out in your contract, we’re helping Aussies like you get the loans they need to get ahead.

Who is eligible for a white goods loan?

You may be thinking, “This sounds too good to be true, there must be a catch.” Well, there’s no catch! We offer easy finance – simple as that. However, we do have a few little requirements you must meet before applying (we are responsible lenders after all):

  • You must be 18 years or over
  • Be an Australian citizen or permanent resident
  • Be receiving a regular income into a personal account for the last 3 months
  • Have an active mobile number and email address

That’s it! Just those four little requirements and you qualify for easy finance. Of course, when you submit your application we dig a little deeper to see if you’re suitable for our loan service. If you don’t know whether you qualify for a white goods loan, we encourage you to apply – we pride ourselves on looking at the individual circumstances of each application.

Rapid applications

We think that time is money, so we want to save you some with our speedy application. We want to give you all the tools you need to succeed when you’re completing your application. So, to fly through your application, have these details handy:

  1. Personal contact details e.g. active mobile number and email address
  2. Reason for a loan
  3. Bank account details
  4. MyGov details
  5. Employment info

If you have these details handy, you’ll have applied for a before brewing your first cup of coffee (or, second!). Once we receive your application, we’ll get straight to work assessing it. We aim to give you an outcome in only an hour if you apply during business hours. 

Why we ask for your bank account details

If online scams have taught us anything, it’s to be wary of online entities asking for our bank account details. But don’t worry you can trust us. How you may ask? Well, we’ll tell you why we need your bank account details. We utilise the latest in the safe banking technologies to access a read-only copy of your bank statements and expenses. Our loan assessors don’t have access to your accounts. We just want to save you time and hassle. Instead of digging up bank statements and expenses, we can just have a look for you. It’s what makes our online application so speedy!

How to apply for a white goods loan?

Simply follow these steps and see how we assess your application:

Part one: Apply online (your only task!)

Applying is made easy with our speedy online application. Did you think that brewing a cup of tea and applying for a loan would take the same amount of time? Well, it’s true. Our online application can take only minutes to complete.

To start, scroll up and use our loan calculator to begin your application. Firstly, select how much you wish to borrow and for how long. Then, select how frequently you wish to make your repayments; either weekly, fortnightly or monthly. Pop in your mobile number as well so you can verify your identity. Once, you are happy with your loan terms, click the Apply button and you’re already on your way to completing your application.

Part two: Initial Outcome

We don’t like cheesy suspense here at Nifty Loans, so minutes after you apply we’ll give you an initial outcome for a loan advising if we can move to a final assessment. Whilst your crushing those candies keep an eye on your notifications for incoming updates.

Part three: Assessing your application

After we let you know that you qualify for our service, we will begin the process of assessing your loan application. Whilst we assess your loan, we adhere to responsible lending practices. We won’t approve an applicant that cannot afford to repay their loans. We don’t want our clients to end up in the worst financial shape.

Part four: Delivering your moolah!

Congrats, if you’ve made it this far it means you’ve been approved! Once you sign on the dotted line, your funds will be sent within seconds(provided you have an NPP enabled account). You could apply over breakfast (maybe a new coffee machine?), and have your moolah by lunch! If you do not have an NPP enabled bank account, you can expect to receive the funds overnight at the latest!

Now you know the in’s and out’s of applying. If you do have any questions, contact our loan specialists – they’ll have all the answers you’ll need (about loans, of course).

Why trust Nifty for white goods loans?

No invisible costs

At Nifty Loans, we believe that honesty is the best policy. That’s why you’ll find all the possible costs associated with your loan in your contract. You can find our costs all over our website, but in case you missed them, you can find them at the bottom of this page, or on our costs page.

Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our friendly customer service team a call or send a quick email. We’re happy to answer any questions you may have.

Easy repayments

Our easy loan experience doesn’t stop once you sign your loan contract. We offer easy repayments as well! Much like our application process, our repayment system utilises the latest in safe banking technology to save you time and hassle. We simply set up a direct debit to your nominated bank account and your repayments will be automatically transferred once they’re due. It’s that easy. No need to worry about setting hundreds of reminders only to forget to the due date anyway. Now, you can spend your time on what you do best, rather than worrying about due dates.

Do we perform credit checks?

The short answer is yes, we do perform credit checks as part of our responsible lending practices. However, don’t let that deter you from applying for quick cash loans. We are more lenient in this regard than traditional lenders. Nifty Loans understands that sometimes life just happens and we don’t think your future self should continually pay the price. We want to give any Australian a fair go for easy and accessible finance.

Do we offer white goods loans for bad credit?

Yes! If you have bad credit and looking for finance, we can help you out! We believe in second chances. So, if you think you may not be approved for online loans, think Nifty! Instead of simply looking at your credit score, our loan specialists look through your credit history to find and highlight your good qualities and really make you shine.

Do we offer white goods loans for people on Centrelink?

Much like our white goods loan bad credit, we do offer loans for people on Centrelink. If you’re receiving Centrelink and looking for finance, then you may have been knocked. But, at Nifty, we consider Centrelink payments as regular income as long as you’ve been receiving it for at least 3 months. So, if you receive Centrelink and you’re on the hunt for finance consider Nifty Loans.

Light bulb

Here's a Nifty question!

Thought about second-hand white goods? These can be much cheaper than buying new

What about appliance leasing?

When looking for white goods, appliance lease agreements can seem like an attractive option. They offer consumers the ability to lease a wide range of appliances, electronics and furniture with straightforward and manageable payments. When looking at the full picture, though, the downsides of a lease agreement become apparent. If you’re unsure what appliance leasing is, let us give you a quick run-down. 

Consumer Lease Agreements

Known technically as a ‘consumer-lease agreement’, appliance rental is a financial service different to traditional credit lending. When entering into a lease agreement, you do not receive any cash; what you do get, however, is an appliance or product of your choosing. You will then make weekly, fortnightly, or monthly instalments as repayment for this product. The word ‘repayment’ is highlighted because it is more like a rental payment. You see, at least with most consumer lease agreements, you are usually only paying to rent the product, you are not purchasing it. Meaning you will not own the product, even after the payment period ends. 

With this said, most suppliers do allow customers to purchase the product at a discounted price after the lease term has finished. At face value, this may even seem relatively reasonable, given the instalments are often low and manageable. Though, when customers are paying up to triple the cost of the original product, to then not own it, the suitability of the agreement may be questioned. Also keep in mind this in general information and different suppliers of these agreements do have different terms. 

Are there other options?

Yes, there are plenty of other ways to get white goods if you’re strapped for cash. In fact, Nifty offers small personal loans that can be used to purchase white goods! The best part? Our loans will often end up being much cheaper than if a customer was to lease the same product through an appliance rental company. To hit this point home, we have compared the different cost of receiving the same product using three different methods. These being, purchasing the product outright, borrowing the money through Nifty and, entering into a consumer-lease agreement. Take a look below to see the results!

TypeTermTotal CostOwnership
Purchase OutrightN/A$1,120
Small Nifty Loan9 Months – $52 p/wk$1,872
Lease Agreement24 Months – $30 p/wk$3,120

Let’s be friends

So, now you know everything there is to know about white goods loans, so perhaps it’s time to put your knowledge to the test and scroll up to apply now!

You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.

Want to know more about small business loans? read on here.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

*If you apply during business hours and we don’t require any additional information from you

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Andy Andy


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:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
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Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
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Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
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Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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* 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.