After A Secured Personal Loan? Great. Apply Today!

secured personal loans

Looking to make an investment? Hunting for a new car? Or turning your hobby into a side hustle? Then, perhaps a secured personal loan is right for you. You can apply for with Nifty from $2,000 up to $5,000 and repay it over 13 to 24 months. Sounds perfect, right? It’s just what some people need to get a headstart on their latest venture, whether it be for business or pleasure! But before we launch into secured loans, we’d better introduce ourselves.

Introducing Nifty Loans

We are a neo-lender that is dedicated to providing easy finance for all Australians. We think finance should be accessible, not privileged. That’s why we offer easy finance to anyone who is looking to boost their funds. Whether you’re looking for a small investment into a side hustle or maybe an upgrade to your bathroom; we can provide the finance. Our loan process is 100% online and has zero paperwork! And more good news, our loan application only takes minutes to complete. That’s it! Easy, right?

What is a secured personal loan?

A secured personal loan is merely a personal loan that is backed by equity such as a motorbike, car (new or used), caravan or boat. Our medium and large loans start from $2,100 up to $5,000 and you repay secured loans over 13 to 24 months. All personal loans above $2,001 are considered secured and must be backed by security. We are upfront about all loan costs because we don’t want you to apply for a secured loan if you cannot risk the security. So, if you’re looking for smaller potatoes, we have those too!

What is an unsecured personal loan?

An unsecured personal loan is a personal loan that doesn’t have to be backed up security. Most unsecured loans start from $300 and go up to $2,000, and must be repaid over a 3 to 6 month period. Are you a bit of a commitment-phobe? Then, unsecured loans might just be your perfect match. Without a need for security, our unsecured loans are easy to repay with flexible loan terms. When it comes to the unexpected, Nifty Loans is prepared to help get your finances back on track.

Who is eligible?

As it happens, those who qualify are also eligible for an unsecured loan! We’d love to provide easy finance for all Australians; however, we also adhere to responsible lending practices, so we have a few little requirements to meet before applying for a secured loan:

  • Must be over 18 years old
  • 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

And that’s it. Just those four little requirements and you qualify. It’s that easy. So, if you’re looking for a helping hand, scroll up and apply for our secured loans!

What to have handy when you apply for?

We want to give our clients every tool so they can succeed. That’s why we provide flexible loan terms, accessible customer service, and all the right info to have handy to fast track our application process. If you have these details handy, your secured loan application will fly by:

  • Personal contact details, e.g. mobile number and email address
  • Reason for your loan
  • Bank account details
  • MyGov details (for Centrelink customers)
  • Employment info

If you have these details handy before you begin your application, you will be able to fly through the application! Scroll up to find out.

How to apply

Applying for an easy personal loan is, well, easy! Our application only minutes to complete and is 100% online. Fill out our application from the comfort of your couch, snuggle into your favourite fluffy blanket and a cozy cup of coffee. Or if you need cash quick, complete our easy form on the go. Wondering how our loan process works? Well, wonder no more, here is the full lowdown:

Part 1: You apply online

Applying online is super easy. All you need is an internet enabled device, and that’s it! Our application is form is super quick and easy to fill out. Just scroll up and use our secured loan calculator to begin your application.

First, select how much you wish to borrow and for how long. You’ll see that when you select over $2,000, your application will require the details of your chosen security. Then, decide how frequently you wish to make your repayments, either weekly, fortnightly or monthly. Once you are happy with your loan terms, click the Apply button and you’re already on your way to applying for a secured loan.

Part 2: We Assess your Application

After you complete your online application, we do the rest of the legwork. Our team of loan specialists assess your application to determine whether you are eligible for a secured loan. While you’re waiting for your outcome, keep a keen eye on your notifications because we may request more info to help assess your application. We don’t believe in cheesy suspense. Therefore, we aim for a 60-minute turnaround (during normal business hours), so you’ll have your outcome in no time.

Part 3: Moolah delivered straight to your pocket

Congrats, if you’ve made it this far, it means you’re approved! After you have signed on the dotted line, we will transfer your funds to your account soon. So, you can get back to what you do best. Times may vary depending on the speed of your bank.

That’s it. Just three parts to our loan process. And we do most of the legwork. Want to get started now? That’s easy, just scroll up!

No hidden costs

We believe that honesty is the best policy. That’s why we are 100% upfront about all our costs for unsecured and secured loans. So, you won’t find any nasty surprises hidden in tiny font at the bottom of your loan contract. You can find our costs on our website, however, here they are again:

For small personal loans: unsecured personal loans from $300 to $2,000

  • Establishment fee: a once-off 20% fee of your principal
  • Ongoing fee: a monthly fee of 4% of your principal
  • Missed repayment fee: Unfortunately, if you miss your repayments than we will charge you a $27.50 dishonour fee

For medium personal loans: $2,100 to $4,600. Don’t forget that medium personal loans must be backed be equity, such as a motorbike, boat, car or caravan:

  • Establishment fee: once-off fee of $400
  • Ongoing fee: An annual percentage rate of 48% to be charged monthly
  • Missed repayment fee: Unfortunately, if you miss a repayment we will charge your account a 27.50 dishonour fee

For large personal loans of $5,000

  • Ongoing fee: An annual percentage rate of 21.24% of the principal
  • Missed repayment fee: Unfortunately, if you miss a repayment we will charge your account a 27.50 dishonour fee

That’s it! Just three little possible costs and if you stick to your repayments, you’ll avoid the pesky dishonour fee.

Easy peasy repayments

After some simplicity in life? Well, you’re in luck as our secured loan repayments are easy and hassle-free. We use the latest in safe banking technology to set up automatic repayments via direct debit. Yes, you read that correctly. Our repayments are 100% automatic! No need to set hundreds of reminders only to forget to make your repayments. Just make sure you have enough moolah in your nominated bank account. Otherwise, you may be charged a dishonour fee.

Why do we ask for your bank account details?

Good question! We ask for your bank account details when you apply for a secured or unsecured loan to assess your suitability. Instead of purely looking at your credit score or credit history, we look at your current income and expenses. So, using the latest in safe banking technologies, we access a read-only copy of your bank statements and expenses. You may be wary of sharing your bank account details with an online entity, but don’t worry there is no long-lost Prince from Nigeria in sight. We value your privacy, so we don’t mess around with your details. Want it in writing? Have a read on our privacy policy.

Do we offer secured bad credit personal loans?

Yes! We sure do. We don’t believe that bad credit is the only indicator of suitability. That’s why we look at your current income and expenses to assess whether you are suitable to apply with Nifty Loans. We forgive past financial mistakes and give you the ability to apply for the finance you need. At Nifty Loans, we know that sometimes the unexpected strikes and quick finance is your contingency plan. So, we want to help! If you have bad credit don’t be bashful, apply today, and we’ll see if we can help.

Do we perform credit checks?

On the subject of bad credit, you may be wondering, “do we perform credit checks?” Well, the short answer is yes, we do perform credit checks. However, a credit check is not all we look at. As mentioned before, we mainly look at your current income to determine your ability to repay your loan. We also conduct credit checks because we adhere to responsible lending practices. Nifty Loans aims to provide all Australians with easy and simple finance; however, we won’t approve anyone that cannot afford their repayments.

What about Centrelink and apply with Nifty Loans?

Another great question! If you receive Centrelink, you may find it difficult to find finance at the doorstep of traditional lenders. Lucky for you, we think differently. We consider Centrelink payments as regular income if you’ve been receiving them for at least 3 months! So, you’re after easy finance, and you receive Centrelink – then you may have met your perfect match. Hint hint – it’s us. Scroll up to apply for loans for people on Centrelink!

What happens if I cannot make my repayments?

Sometimes life hits with you the unexpected and our team of loan specialists understands that. So, if something happens that hinders your ability to make your upcoming repayment, give our team a call. Remember, they are humans too. And understand that life doesn’t always go to plan. Just make sure you give us 24 business hours notice before your repayment is due.

What are you waiting for? Apply Today!

If you need a boost in your funds, a secured personal loan may be the ticket. Our 100% online loan service is what you need for hassle-free finances. If you have any questions about our loan service, you can email our team at or call us on 1300 471 328. So, don’t wait – scroll up and apply today!

Let’s be friends

So, now that you know everything there is to know about secured personal loans, 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. Just head to the FAQs page at any time and see if your answer is waiting for you.

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

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

After A Secured Personal Loan? Great. Apply Today! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

After A Secured Personal Loan? Great. Apply Today! Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
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"Great no hassle !! They are awesome helped me out a lot . Better then most queensland cash lenders :) thank you .. Happy customer !!”"

- Samantha


How customers rate Nifty's Personal Loans

After A Secured Personal Loan? Great. Apply Today! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans