Looking for a private school loan? - Nifty Personal Loans
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What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.
Get a private school loan with Nifty!

Sending the kids to a private school doesn’t come cheap, that’s for sure! So, if you’re looking for a private school loan to make it a little easier on the budget, Nifty could be the lender for the job. We help Aussies get the cash they need when they need it. That means hassle-free cash without the fuss of traditional lenders.

At Nifty, our application is completely paperless. All you need to get started on an application is an internet connection – you could even complete our 100% online application form from your smartphone. So, what are you waiting for? Head to the top of the page and use Nifty’s loan calculator to get started.

Nifty Loans

At Nifty, we’re the online lender with a difference. Our team takes a realistic approach to lending. We work hard to ensure all of our clients are matched with appropriate loan products. That being said, we do not guarantee approval for every single applicant. At Nifty, we believe in honesty and transparency. That means we will never promise anything that we can not deliver. If you apply during AEST business hours, the Nifty team will do their best to get back to you with an outcome on the same day*. Our team understands that when you need cash, there is no time to sit around waiting.

Nifty is proud of the fact that our entire application process is 100% online. That means you can apply for a private school loan wherever and whenever you like. Nifty is Australia-wide, so whether you’re looking for a private school loan Brisbane or a private school loan Darwin, we could be the lender for the job. An application could only take a few minutes to complete. So, why not get started right away!

Who can apply?

So, now you know how to apply, are you wondering who is eligible to apply for a school fee loan? The good news is, we like to keep our application criteria as simple as possible. Here is what you’ll need to meet if you’d like to apply for a loan for private school fees:

  • All applicants must be over 18-years old;
  • You must be an Australian citizen or permanent resident;
  • All applicants must have been receiving a regular income for at least 3-months;
  • Have income paid into a personal bank account;
  • You must have an active mobile number and email address.

If you can say yes to the criteria above then you could scroll up to the top of the page and use our loan calculator to get started on an application.

Paperless application

That’s right, Nifty’s online application is completely paperless. At Nifty, we don’t believe in overcomplicating the application process with a whole bunch of long-winded paper forms. Our application form is 100% online and can be accessed from almost any device – including your smartphone. You won’t even have to submit paper copies of required documentation. This can all be done online. Here is what we suggest you have handy:

  • Personal contact details e.g. active mobile number and email address;
  • The reason for your loan;
  • Internet banking details;
  • MyGov details (if applicable);
  • Employment details.
Private school loan interest rates

Want to know what the interest rate could be on a personal loan for school fees? At Nifty, we assess every application on a case-by-case basis. That means we cannot explicitly state what your individual interest rate could be. If you’d like to get a better idea of the possible cost of a private school loan, we encourage you to head to the top of the page and use our online loan calculator. You will be able to input your desired loan amount and the repayment period to view what your weekly, fortnightly or monthly repayments could be.

Responsible lending

At Nifty, we are committed to responsible lending. Wondering what responsible lending is? Essentially, it is our commitment to doing the right thing by you. At Nifty, we conduct a thorough assessment of all loan applications to ensure our clients are able to afford to repay their loan. All responsible lenders must:

  • Make reasonable inquiries about the consumer’s financial situation;
  • Take reasonable steps to verify the consumer’s financial situation;
  • Make a preliminary assessment of whether the credit contract is ‘not unsuitable’ for the consumer.

If you want to know more about responsible lending you can head to ASIC’s website for more information.

Instant banking

With the introduction of instant banking, Nifty is now able to make funds available quicker than ever. If your bank account is NPP-enabled you could have the funds in your account and ready to use in just 60 seconds**. Instant banking is making it simpler for Aussies to get the cash they need without any of the hassles. Not sure if your bank account is compatible with instant transfers? Click here to check it out.

Our customers

At Nifty, we know how expensive private school fees can be. Not only do you have to fork out an arm and a leg each term, but parents also have to find the cash to cover uniforms, textbooks, laptops – the list goes on. The good news is, there is no need to do it alone. If you haven’t had much success with traditional lenders, Nifty could give you the fair go you deserve. We pride ourselves on delivering down to earth and friendly service.

We know that when you need a loan to pay private school fees there is no time to wait in line at the bank. At Nifty, we cut through the red tape so you get the best possible chance at a compatible loan product. If you’ve got questions or concerns do not hesitate to contact our team. We strive to ensure your borrowing experience is as stress-free and simple as possible. Call us for a chat or send us a message and we will do our best to get back to you as soon as possible.

Frequently Asked Questions

What is a private school loan?

Wondering what a private school loan actually is? Let us explain. A private school loan is simply a personal loan that can be used to pay for private school fees. A personal loan is simply an amount of cash that is loaned and then repaid by the borrower on an agreed-upon schedule.

Personal loans usually accrue interest that is payable on top of the loan; however, this varies from lender to lender. If you’re looking for a k-12 private school loan then it is important to do your research to ensure you select the right lender for your individual financial circumstances.

Why do I need to provide online bank details?

Don’t worry – it’s not so the Nifty team can have access to your real bank account! When you apply with Nifty, we might ask you to submit your online banking details so we can access read-only copies of your bank statements.

Our team uses bank statements to assess your spending habits, income and existing financial commitments to determine whether or not a personal loan is an appropriate financial decision. Worried about security? At Nifty, we use the latest in safe banking technology to ensure your information is always encrypted. That means no one at Nifty will ever be able to see it.

At Nifty, we are committed to responsible lending. That means we do the right thing by our customers. Our team does their best to conduct a thorough assessment of your current financial situation before approving any borrower. We do not want to see our clients under financial stress. If you’ve got questions regarding this process you can get in touch with the Nifty team.

Will Nifty call my boss?

In certain cases, Nifty will get in touch with your workplace to conduct an employment check. However, in most cases, your payslips are enough proof of employment and regular income.

Ready to Apply?