Private School Loan | $300 - $5,000 | Apply Today!

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

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

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.

Looking for a private school loan?

Private School Loans

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.

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. 

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 in just 60 minutes. 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 you and whenever you like. Nifty is Australia wide, so whether you’re looking for a private school loan in Brisbane or a private school loan in 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!

How do I apply? 

Like what you hear? If you’re ready to apply for a private school loan then you’ll be pleased to know that completing an application is simple and stress-free. Here is what you’ll need to do: 

Apply online 

Head to the top of the page and use the Nifty private school fee loan calculator to enter a loan amount and repayment period you’re happy with. Remember, you can apply for between $300 and $5,000 cash. 

Fill out the form 

The Nifty team will need a few important details to properly assess your loan application. We’ll ask you to complete our 100% online application form. The good news is, this could only take you a few short minutes to complete. 

We assess your application 

Once you submit your application our team will start assessing. We’ll do our best to match you with a compatible loan product. If you’ve chosen to submit your application during AEST business hours, the Nifty team will do their best to get back to you with an outcome in just 60 minutes. 

Sign your agreement

If we’ve been able to successfully match you with a compatible loan product the Nifty team will be in touch. We’ll send over an agreement for you to review and sign. Our team encourages all applicants to read through their agreement and make themselves aware of the full terms and conditions of their loan agreement.

Get your cash

Once the Nifty team receives a signed copy of your contract we’ll deposit the cash straight into your account. If your bank account is NPP or Osko enabled you could have the money in your account and ready to use in just 60 seconds. 

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;
  • 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 can not 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. If you’d like more information you can head to the Nifty costs page for a further breakdown.

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?

Yes, in most cases, the Nifty team will get in touch with your workplace to conduct an employment check. There is no need to stress, this is usually just a routine part of our assessment process. The Nifty team will just need to verify a few important details in order to properly assess your application. If you’re concerned about privacy, there is no need to be. Our team will always conduct themselves with professionalism and discretion whilst completing employment checks. You can contact our team today if you’d like to know more about this process.

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 or Osko 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 go 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.

Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount: $1,000
Terms: 6 Months,
(24 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount: $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
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan 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
* 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.

Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount: $1,000
Terms: 6 Months,
(24 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount: $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
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan 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

* 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.

We don’t stop there

No matter what the occasion is, Nifty has your back.