Repair Loan From Nifty Loans | $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.*

*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.*

*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 repair loan you can trust? Look no further

Wondering what a repair loan is? A repair loan is basically just a personal loan that is used for repairs. The best part is you can apply for a repair loan online. That’s right, you can apply from the comfort of your own living room. Submitting an application is as simple as jumping on the website and using our loan calculator to find a loan amount and repayment period that suits you.

At Nifty we do not make any promises that we can not keep. Our team does not guarantee approval for every single applicant, but we can guarantee you’ll get a fair go when it comes to assessment on a repair loan application. The Nifty team won’t just focus on your credit score. We prefer to look at the whole picture. So, what are you waiting for? If you apply during AEST business hours we’ll do our best to get back to you with an outcome in 60 minutes.

Where can I get a loan?

Nifty is proud to be changing the way Aussies look at personal loans. We know it can be tricky finding an online lender that you can trust. Our team are here to assist you on your journey. When you apply for a repair loan with Nifty you can be confident that there are no hidden fees or charges. What you see is what you get. We believe in honesty and transparency. The terms of your agreement will be clearly outlined in our agreement. If you’re unsure, just ask the team. We’re here to help.

At Nifty, our team understands that no two people are the same. That’s why we give you an outcome based on a case-by-case basis. We won’t make assumptions. Our team will look at the bigger picture. We’ll consider factors such as income, spending habits, employment status and pre-existing financial commitments to ensure you get the very best chance at approval. If you’ve got questions our team is always here to help. You can get in touch or head to the FAQ page for more information.

What can I use my repair loan for?

Repair loans can be used for a variety of different repair expenses. Here are just a few examples you could site on your application:

Car repair loans

From time to time life throws a curveball (or two). At Nifty, we understand that not all of us have the spare cash to deal with unexpected car repairs. If you’ve been googling ‘vehicle repair loans’, ‘car repair loans online’ or ‘car repair loan bad credit’, look no further. Nifty offers quick car repair loans that are accessible to all Aussies. If the traditional avenues of borrowing cash have failed you time and time again, let Nifty lend a hand. You could apply for a repair loan today, 100% online. We don’t focus solely on your credit score. Our team look at the bigger picture so you get the best chance possible at approval on a low rate personal loan. An application could only take you a few minutes and if you apply during AEST business hours we’ll do our best to get back to you with an outcome in just 60 minutes.

Truck repair loans

Need to repair your truck, quickly? With a Nifty truck repair loan, you can! Our team provide loans between $300 and $5,000 for truck repairs. The application process couldn’t be easier. We won’t ask you to wait in a long line at the bank or fill our pages and pages of paperwork. Our 100% online application can be completed wherever you are, Australia wide. Whether you’re on the road or sitting on the couch at home if you apply during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes.

Home repair loan

Looking to make a few improvements around the place? Nifty could have the cash to make it happen. You could apply for a home repair loan or a home improvement loan between $300 and $5,000 in just minutes. Our application process is 100% online and we have a number of different home repair loan options. You won’t even have to leave the comfort of your own home to submit an application. You could scroll up right now and use our loan calculator to select a loan amount and repayment period that suits you. If you choose to apply during AEST business hours our team will do their best to get back to you in just 60 minutes with an outcome. Don’t let bad credit hold you back. At Nifty, we guarantee all Aussies a fair go.

Emergency repair loan

Sometimes the unexpected happens. If you need quick cash and the traditional methods of borrowing aren’t an option why not apply for an emergency repair loan with Nifty? Our emergency repair loans can be used for a number of different expenses. If you submit an application during AEST business hours a member of our team will do their best to get back to you in just 60 minutes – we don’t mess around. Our team understands that when you need quick cash there is no time to waste. So, when you need an emergency repair loan, turn to the online lender you can trust.

Loan TypeLoan Type Approved
Quick car repair loans
Truck repair loans
Credit repair loans
Home repair loans
Debt consolidation loans

Who can apply for an emergency repair loan?

Like what you’re hearing? Wondering who is eligible to apply? The good news is, at Nifty, we like to keep our application criteria as straightforward as possible. To be eligible, you’ll need to answer yes to all the following points of criteria:

  • Applicants must have an active mobile phone number and email address;
  • You must have internet banking set up;
  • All applicants must be over the age of 18;
  • You have had a regular income for the last 3-months into a personal bank account;
  • You must be an Australian citizen or permanent resident.

Will I need to provide documentation when applying for a loan for repairs?

Yes, you will need to submit some important information so that your lender can properly assess your repair loan application. No stress though, at Nifty we won’t ask you to provide paper payslips or print unnecessary forms. Our team will cut straight to the chase. Here’s what we recommend you have handy:

  • Your personal details – name, D.O.B etc;
  • Internet Banking Details – so we can securely access read-only copies of your bank statements;
  • The reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

Will a lender call my boss?

Yes, at Nifty we do conduct employment checks on repair loan applications. Our team will get in touch with your employer to verify a few important details. There is no need to stress, our team are well trained and discreet when contacting employers. Our team will never disclose any of your personal information during an employment check. If you’ve got questions our team is here to help. You can get in touch at any time or head to our FAQ page for more information.

Do lenders do credit checks?

Yes. At Nifty we do conduct credit checks on repair loan applications. However, if you’re googling ‘personal loans bad credit rating’ don’t let this put you off submitting an application.

We do not base our assessment solely on the result of a credit score check. Our team look at factors such as your employment status, income and overall relationship with money to get an idea of whether or not you have the means to repay the loan. At Nifty, we do not lend cash to applicants that can not afford to make the repayments. We want to foster financial health and wellbeing, not send our clients into debt. You can rest easy knowing that the Nifty team has your best interests at heart.

Why does Nifty need my bank details?

Wondering why the Nifty you may be prompted to enter your online banking details when you’re applying? It isn’t so we can access your real bank account. We use your online banking details to access read-only copies of your bank statements. Bank statements provide our team with an insight into your spending habits, income and pre-existing financial commitments. Our team wants to ensure you have the means to repay your repair loan comfortably.

If you’re concerned about security, there is no need to be. Nifty uses the latest in safe banking technology to ensure your information is encrypted. That means your personal information and passwords will never be seen. If you’ve got questions in regards to online banking details you can get in touch with the Nifty team or head to our FAQ page for more information.

Responsible lending

At Nifty, we are proud to be responsible lenders. What is responsible lending? Responsible lending is basically just our commitment to do the right thing by you. Our team are committed to providing the very best repair loans to all Aussies. We don’t believe in hidden fees or charges. Our team will be upfront and honest in our agreement as we strongly believe in transparency. Wondering what is required of a responsible lender? Check out the following:

  • A responsible lender must make reasonable inquiries about the consumer’s financial situation;
  • take reasonable steps to verify the consumer’s financial situation;
  • make a preliminary assessment to determine whether the credit contract is suitable for the consumer.

How to apply for a repair loan

Looking for a repair loan but unsure which online lender to trust? Welcome to Nifty! We’re an online lender with a difference. Our team are here to give all Aussies the best chance at a fair and reasonable repair loan. Whether you’re looking for a car repair loan, debt repair loan or a quick car repair loan, our team are here to make the entire process as simple and stress-free as possible. We’re friendly and down to earth. That means we won’t assess your application solely on your credit score or the fact that you receive Centrelink – the Nifty team will give you a fair go regardless of the circumstances.

If you’re ready to submit an application for a fast loan then you’ll be pleased to know that the application process is super simple. Here’s how you could submit an application in minutes:

Apply online

Head to the top of this page and use our loan calculator to select an amount and repayment period that suits you and hit ‘Apply Now’.

Fill out the form

If you’ve chosen to proceed with an application, you’ll be directed to our 100% online application form. This could only take a matter of minutes to complete.

We access your application

You can sit back and relax while our team conduct an assessment of your repair loan application. If you choose to apply during AEST business hours we’ll do our best to get back to you in 60 minutes.

Review your agreement

If our team has determined your application successful we’ll send over an agreement for you to review and sign. The Nifty team encourages all applicants to read over their contract. It is important to be aware of any fees or charges that could incur for late or failed payments. When you’re happy with our agreement just sign and send it back to us. Simple as that!

Get your cash

Once our team receives your signed contract we’ll transfer the cash straight to your account. Thanks to instant banking you could have the cash in your account in just 60 seconds (for NPP enabled bank accounts).

Repair Loan

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Loan Costs

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
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
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
* 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.