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*Only available for NPP enabled bank accounts

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Cash in your bank within 60 seconds of approval*

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.

Rental Bond Loans: Hassle-Free Finance

Move in quickly with Nifty

There’s only one thing that moves quicker than a great rental in the Australian rental market – a bond Loan! If you need some quick cash to cover the cost of your bond then don’t hesitate, apply now! Get the right Rental Bond Loan for you! Get up to $5,000 with Nifty Personal Loans

House or apartment hunting can be as exciting as it is stressful. You go all over town, trying to fit appointments with real estate agents into your schedule. Then you get to the place and find out that it looks NOTHING like the pictures. All that hassle for nothing.

But then, after all that searching, you finally find it: the one. The perfect place for you. Close enough to work, friends, and the shops, with plenty of cool bars and restaurants nearby as well. Yay!

There’s just one problem – you can afford the rent, but you don’t quite have the money to cover the bond. You know you’ll be able to pay the money back soon, but if you don’t snap up this perfect rental now then someone else will surely take it instead. What do you do?

You turn to Nifty Loans, of course! Apply for a rental bond loan to help get you into your new place as soon as possible!

Rental Bond Loan

What is a rental bond loan?

A rental bond loan helps you cover the costs of the bond on your new place. Nifty’s rental bond loan is a cash advance that ranges between $300 and $5,000 and divided into small, medium and large personal loans.

We strive to assess every loan application within 60-minutes during business hours and offer same day loans, provided that they are lodged during our business hours. Once your application is approved you can have the funds in your nominated bank account in just 60 seconds!* However, this is subject to change depending on the financial institution you choose to bank with. If you have an NPP enabled bank account, then you’ll have your cash in only 60 seconds after approval. 

Not sure if you’ll qualify? Don’t worry! we will consider applicants with a wide range of financial circumstances. You can apply with us and could be offered a loan whether you are searching for a loan for bond or you’re a Centrelink recipient, and even if you have a history of bad debt.

What Nifty Loans can do for you

Nifty Loans can make getting a rental bond loan easy. Our loans are simple and 100% online. This way you can apply anytime, no matter where you are in Australia! No need to make an appointment or go to an office or a bank – we’re all about convenience. Not only that, but in most cases we won’t even require physical paperwork.

Simply go online and complete our quick and easy application form. It can take just minutes to complete, so you can get on with your day. Once you submit your application, our specialised assessment team will be in touch soon to discuss your loan eligibility. If we need further documentation, we’ll reach out to you to make sure you get the fair go you deserve. 

What else can Nifty loans be used for?

Nifty is a lender for everyone. Our loans can be used for a variety of expenses. We don’t only provide emergency loans. For instance, if you’re looking for a getaway across borders or just a weekend trip – apply for our travel loans!

We offer loans for:

Our loans can also be used for:

  • Medical expenses;
  • Vet bills and pet finance;
  • Wedding expenses;
  • Dental expenses;
  • Car finance

Nifty is all about transparency 

At Nifty Personal loans, we pride ourselves on being a responsible lender. Besides, we aim to be transparent about all our fees and charges associated with your loan. We’re proud of the services we offer, so we have nothing to hide. The fees and interest rates are clearly outlined in your loan contract. In addition, we’ll give you a rundown of the simple repayment schedule we use. Further, we tailor your repayments for the dates that suit your personal circumstances best. 

This way you’ll know upfront exactly what your loan will look like.  And the icing on the cake? We don’t charge early payout fees.

Requirements for applying for a rental bond loan

Whether you’re looking for rental bond loans QLD, rental bond loans NSW – Nifty Loans can help. No matter where you are, you can apply with us – all you need is an internet connection and a device such as a phone, tablet or computer. So whether you’re in Broome or Brisbane (or anywhere in between), apply with Nifty Loans and we’ll see if we can help!

And because we’re Aussies too, we understand what the rental market here is like. If you find something you like, you’ve got to act quick! That’s why we’re committed to assessing your application lightning fast, so you can secure your dream rental right away. However, there are a few things you need to say ‘yes’ to before applying. 

Make sure you can tick off these requirements, and you’re good to go!

  • You’re at least 18 years old.
  • You have an active mobile number and email address.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.

Do you perform credit checks?

The short answer is yes, we do conduct credit checks. However, don’t let that deter from you applying for any of our loans. Our team looks at more than just your credit score. They also look at your current relationship with money. So, if you have less-than-perfect credit, don’t let credit checks get you down. We’ll do our best to help – bad credit and all.

Your credit history doesn’t define you – we know that, so why judge you just because of your credit history? We’re people – just like you – and because we’re people we understand that everyone makes mistakes. We don’t think it’s very fair that you’re punished for a mistake you made up to 7 years ago. 

If you’ve got bad credit and need a loan for bond payments, apply for one with Nifty Loans. We’ll assess your application fast and get back to you, so that you can get into your new rental ASAP!

Can I apply if I’m on Centrelink?

You sure can!

If you’re receiving Centrelink payments, then good news: we accept those as income! As long as your payments are consistent and reliable, as well as you receive the income into a personal bank account – you can definitely apply for a loan with us. We’ll assess your application to see if we can help you out. 

Got any further questions? The Australian Government website Moneysmart might have the answers you are looking for.

When can I apply for a Nifty loan?

Anytime! That’s the beauty of our 100% online application process.

We know that sometimes you have to organise some late house inspections to fit in with everything else you’re doing. You might go to an inspection at night and find out that the bond is a bit more than you can afford. Just turn to Nifty and apply for our quick rental bond loan!

Even though it’s not in our business hours, you can apply for a loan on our website. That way your application will be there ready for us to assess first thing in the morning. We can sort out your loan and get you into that perfect rental before anyone else can snap it up!

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Here's a Nifty question!

Wondering how much a rental bond might be? The general rule is a bond will be equal to 4 weeks worth of rental payments

No unnecessary delays!  

We’re locals, so we understand just how competitive the Australian rental market can be. If you find a rental that you like, chances are there are quite a few others who are interested as well. We also understand that your time is important, so waiting for your application to be approved can be frustrating. Imagine if you’d applied for a loan to lock down your new place, but your lender took forever just to reply.

With Nifty Loans, you could get your rental bond loan in just a few moments. Our entire application process is built especially for you: our clients. It’s easy to access, simple to understand and only takes a few minutes to complete! No hassles with struggling to understand confusing financial lingo – we explain things in clear terms so you won’t need to google anything!

After you apply, one of our team will review your application and you could get an outcome in as little as 60-minutes! From there, we can get your money to you fast, no fuss. Now that’s Nifty!

To take some pressure off you, you can apply to help cover a variety of needs. Whether it be bond down payments, assistance with rent or moving costs, Nifty Loans can give you the help you need.

Don’t miss out on your dream rental home because you don’t have your eligibility requirements down pat. Act now and apply today!

How do I apply? 

Are you ready to start your Nifty journey? More importantly, are you ready to get your dream place? If so, you’ll be pleased to know that an application couldn’t be easier. Here’s what you’ll need to do:

1. Apply online 

Use the Nifty personal loan calculator at the top of the page to enter your desired loan amount and repayment period. This will show you what the weekly, fortnightly or monthly repayments could be on a rental bond loan. 

2. Fill out the form 

Our team will need to know a little more about you in order to conduct a fair and thorough assessment of your rental bond loan application. You will need to complete our 100% online application form. This could only take you a few short minutes. If you submit your form during AEST business hours our team will do their best to get back to you in 60-minutes with an outcome. 

3. We assess your application 

You can kick back and relax. Our team will assess your application and get back to you with an outcome ASAP! You can rest easy knowing that the Nifty team will always do the right thing by you. 

4. Sign your agreement

Our team will send over an agreement for you to review and sign. Make sure you read through the terms and conditions of your loan carefully. Keep in mind that default fees could incur for failed payments. 

5. Get your cash 

Once we receive a signed copy of your contract our team will transfer the money straight into your account. Instant banking could mean you will have the cash in your account and ready to use in just 60-seconds*. 

Need to move to a new house but don’t have the money to pay upfront? Here are 3 other ways to help get your rental bond

If you find you’re a little short on your rental bond there are a few other options that allow you to receive the funds to pay the bond and payback in instalments, which allows you to get into your perfect home and not have to worry about the large sum. Here are some of the best ways to receive help for this throughout Australia.

Government Grant

You can apply for a Bond Loan or Rental Grant via your states Government website. These are interest-free and fee-free loans for when you move into private rental accommodation. There are a few eligibility requirements you need to meet to be able to apply for this which include:

  • You must be an Australian Citizen or Permanent Resident or on a temporary bridging visa
  • You do not own or part-own a residential property, caravan, mobile home or live on board a boat
  • You have less than $2500 in cash or savings among all Bond loan applicants.
  • The full list of eligibility requirements is available through government websites.

Residential Tenancies Authority

You may be eligible to pay your bond payment in instalments over time through the Residential Tenancies Authority (RTA). If the lessor/agent agrees to do this, you are able to make part-payments via the RTA Bond Lodgement web service until the amount is paid in full. You will need to check with your agent if this is available for you and what eligibility requirements you may need to meet. 

Easy BondPay

Easy BondPay is a facility which makes the bond payment process a breeze! They provide quick and easy finance which you can pay back over 3 or 6 months. The application is fast and convenient, once you have filled this out, they do the rest for you! They will be in contact with your Property Manager to confirm the details and conduct some information checks, if approved you will receive a contract to review and sign and they will then pay your full bond directly to your Property Manager and that’s it! Then you just need to pay back the loan in the instalments set in your contract.

Need a bit more information?

If you want to know more, then don’t hesitate to contact us! Call during our business hours and we guarantee that you’ll speak to a real person, every time. Do you have any questions for us, but it’s outside our business hours? No worries! Just send us an email and we will get back to you during the next business day. Our customer service is as Nifty as our loans! You can find all of our contact details here.

Reach us on: 1300 471 328

*For NPP enabled bank accounts.


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 Loans

Large Loan Example

$5,000

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)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$5,000

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)
EEstablishment 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 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
EEstablishment 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.