Imagine: the sun is blazing down, sweat drips from your head into your delicious lunch, and you wish you could turn to see your swimming pool glistening in the sun, but alas you have a swimming pool shaped hole in your heart. That’s where Nifty Loans comes in. We offer swimming pool loans to all Australians who are seeking easy finance. We want all Australians to be swimming in the glorious luxury that is blue, crystal-clear water and Mai Tais. With our easy applications, fast outcomes and speedy cash, we can get you relaxing by the poolside in no time. We could even provide you with a small loan fast! However, before we dive into swimming pool loans, we’d better introduce ourselves.
Introducing Nifty Loans
We are a small, alternative lending company that is dedicated to finding easy finance for all Australians. Our loan service is fast, easy and 100% online! That’s right, no need to trek down to the nearest bank just before it closes; you can apply for swimming pool finance anytime! Our application is available at the touch of a button. Wondering what we offer? It’s simple. We offer summer loans between $300 and $5,000. And more good news – if you apply for under $2,000 you don’t have to provide security.
We are dedicated to giving any Australian a fair go at fast personal loans. Sometimes you need a helping hand to get you where you need to go. Whether that’s a relaxing getaway and building your very own luxury pool – we can help you get there. It’s what we do best. Wanna know more about quick loans online? Click here!
What are swimming pool loans?
Loans for summer are the kickstart you need to help create your own little slice of Bali in your backyard. You can apply for swimming pool finance to deck your pool area out with paradise essentials or boost your swimming pool funds to help get you over the finish line. You can get your funds fast with our quick application and speedy cash. That’s Nifty.
Who is eligible to apply with Nifty Loans?
Australian summer is hot. Like, really hot. Especially if you dwell in the northern states. That’s why we offer swimming pool finance – because we think all Australians deserve to cool down on a unicorn pool toy with a beer in hand. If this image makes you crave the summer heat, perhaps you should apply with Nifty Loans? Of course, we want to help every Aussie with swimming pool finance, however, we do have a few little requirements to meet before applying:
- Must be over 18 years old
- Be an Australian citizen or permanent resident
- Be receiving a regular income into your personal account for the last 90 days
- Have an active mobile number and email address
And that’s it. Just those four little requirements and you may qualify for quick summer loans. So, why not get applying today?
A speedy application
We think our application is pretty speedy. When you think of things you can do within a few minutes, you think of making a coffee or writing a Facebook post – not applying for swimming pool finance!
And the good news keeps coming, we’d like to share a secret with you. It’s the key to an even easier application. If you have these details handy before you apply, you’ll fly through your application:
- Personal contact details e.g active mobile number, email address etc.
- Reason for a loan
- Bank account details
- MyGov details (for clients receiving Centrelink benefits)
- Employment info
When you have this info handy your application will be a breeze. Snuggle into your couch with your favourite fluffy throw and a coffee in hand and you’re ready to complete your swimming pool finance application.
How to apply
We hear this question a lot, and we mean a lot. So let’s clear up any confusion.
You can access our online application from any of our web pages, so take your pick! You can even start your application from this webpage – simply scroll up. To help you navigate our application process, here are some easy steps to follow when you complete your application:
Step one: Apply online
Our application is 100% online! We use the latest in safe banking technology to access all the essential details online. That’s the secret to our fast application: our loan specialists work smart, not hard.
To begin your application, use our loan calculator located at the top of each webpage. Firstly, select how much you wish to borrow and for how long. Then, select how often you wish to make repayments; either weekly, fortnightly or monthly.
Once you are happy with your loan terms, click the Apply button and you’re on your way to happy summer times.
Step two: See if you qualify
At Nifty Loans, there’s no waiting around. If you qualify (basically if you meet all the previously mentioned requirements), we will let you know within minutes of applying. So, whilst you’re tending to your virtual farm, keep an eye on your notifications for important info.
Step three: Assessing your application
Now it’s time for you to sit back and relax with your latest Netflix binge, whilst we do all the hard work. You can trust our loan specialists to evaluate your application and deliver a fast outcome. This process is usually complete within 60 minutes (during business hours). Whilst we are assessing your application we are adhering to responsible lending practices. That means we don’t approve any client who cannot afford their repayments.
Step four: Collect your moolah!
If you hear the good news (that you’re approved!), your funds will be on their way after you review and sign your loan contract, provided this is completed within business hours. We deliver speedy cash straight to your nominated bank account. Access to funds is subject to inter-bank transfer times.
That’s it! Just those four steps and you’re on your way to summer days chillin’ by the pool whilst sipping watermelon cocktails.
What are the possible costs?
At Nifty Loans, we believe that every relationship requires honesty. That’s why we are 100% honest about all our costs and these will always be in your contract. You can find our loan costs across our website, however, they are at the bottom of this page if you missed them for the loans listed below.
- For small swimming pool finance: unsecured personal loans starting from $300 to $2,000:
- For swimming pool finance: secured personal loans starting from $2,100 – $4,600:
- For large personal loans of $5,000:
If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.
What about repayments?
The Nifty Loans experience doesn’t end when you sign on the dotted line. We use the latest in safe banking technology to make your repayments super easy. We set up a direct debit with your nominated bank account and your repayments will be automatically debited out of your account. So, if you’re tired of setting endless reminders to make your repayments then our service is right for you!
Do we offer bad credit swimming pool loans?
Yes! We offer bad credit loans for all Australians who have experienced past financial mishaps. We believe that past mistakes shouldn’t determine your future. That’s why we prefer to look at your current relationship with money. When assessing your application, our loan specialists look at the positive notes on your credit file. When you don’t just focus on the dirt, it’s amazing the gems you can find.
Receiving Centrelink payments and want to apply?
Much like our approach to bad credit loans, we also don’t judge your application purely on one criterion. If you’re receiving Centrelink payments you may have been knocked back by traditional lenders in the past. So, we’re glad you found us! We consider Centrelink payments as regular income, as long as you’ve been receiving them for at least 3 months. Therefore, if you’re hesitating to apply because you receive Centrelink, don’t be! Apply today for swimming pool loans and get pumped for summer time.
Do we perform credit checks?
We do perform credit checks on all of our loans, as we adhere to responsible lending practices. But wait! Don’t let that deter you from applying with Nifty Loans. Even though we perform credit checks, credit score isn’t the only thing we look at when we assess your application. We look at your current relationship with money and assess whether you can afford your repayments.
What happens if I miss a repayment?
At Nifty Loans, our loan specialists are human just like you, so they know the unexpected can storm in and mess up your life. You may lose your job, or unexpected medical costs come knocking. If anything like this takes place, make sure to contact our team straight away and let them know what the situation is. If you give them enough notice they may be able to restructure your repayment plan.
It’s impossible to plan for an emergency, so give a call on 1300 471 328 when you’re in a bind and we will do our best to help.
Let’s be friends
If you’re craving the summer heat, whilst the chilly breeze wisps against your neck, then swimming pool loans is exactly what you need. So, if you’re ready to prepare for the summer heat, then consider swimming pool loans.
You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.
Want to know more? Find out about how you could be eligible for a consumer loan!
Nifty tells all about personal loans comparisons.