Title Loans… Nifty Has All You Need To Know!

Title Loans

Are you looking for the perfect way to acquire a personal loan? Why not use your car as security and apply for a title loan with Nifty. We could provide you with between $300 and $5,000 cash quickly and without the stress. The best part is, Nifty is 100% online. What does that mean? Well, it means you can apply for title loans wherever you are and whenever is convenient for you. All you need is an internet connection – you could even complete our online application form on your smartphone. At Nifty, we are all about convenience!

What Is A Title Loan?

Heard of a title loan but unsure of what it actually is? Well, let us make it super simple. A title loan or loan using car title as collateral is basically a secured loan. A secured loan means the applicant uses an asset as collateral. Wondering what collateral means? Essentially, collateral is like insurance on a loan. If the applicant fails to pay back the loan then the collateral can be taken as a form of ‘payment’. Nifty makes it easier than ever to apply for a title loan. Since we are 100% online, our application process is quick and easy. Cut the stress out of applying for finance and apply for a quick title loan with Nifty today.

Nifty Loans Australia

Nifty is a lender with a difference. We are your local. Our priority is lending a hand to Aussies when they need it. That means making the process for instant online title loans simple and streamlined. At Nifty, we understand that the traditional methods of applying for a title loan are time consuming and outdated. In our modern day world, there is no time for waiting in lines or filling out pages and pages of paper forms. At Nifty, when you submit an application for a loan with a car title as collateral the application could only take you a matter of minutes. If you apply during standard AEST business times you could even have an outcome in 60 minutes.

At Nifty, we are focused and committed to providing fair and reasonable loans whilst abiding strictly by the code of responsible lending. What does responsible lending mean? Basically, we will never lend you an amount of cash that we do not believe you can pay back. We don’t want to put you in financial stress, we’re here to help with any hurdles that might come your way. Nifty is all about promoting financial wellbeing and positive habits so we want to help our clients deal with any unexpected expenses. Applying for finance can be a daunting process but our team is always here to help. We understand what it is like to go through a stressful time and we will do our best to make you experience with Nifty a positive one!

Why Should I Apply For A Loan Against My Car Title?

Are you thinking about applying for a title loan? Wondering whether it’s the right move for you? Have you been googling ‘fast cash title loan’, ‘title after paying off car loan’, or ‘loan on my car title’? A title loan is basically just a secured loan that uses your car title as the security. A title loan with Nifty could be an effective way of getting the cash you need when you need it.

Wondering what the benefits of a title loan actually are? Using your car title as collateral could mean you will be eligible for a larger loan because the lender has your car as security. Ultimately, the amount you will be eligible to apply for is determined by the value of your vehicle and your ability to repay the loan. As a result, an applicant’s ability to repay a loan is determined by a number of different factors. Some of these could include employment status, current financial circumstances, and credit rating. The good news is, at Nifty, we are realistic about finance so we don’t base our entire assessment off your credit score. Our team will do their best to get an idea of the bigger picture and match you with a loan product that could fit those circumstances.

Just to make things a little clearer, a title loan is not the same as a pawn loan. A pawn loan is not regulated in the same way as a title loan. The law surrounding what pawnbrokers can and can not do is somewhat of a grey area. At Nifty, when you apply for a loan with title as collateral you know you are trusting a responsible lender with your vehicle title. Our team prides itself on professionalism and fair practice. Contrary to what some believe, Nifty will not take your car as the first point of call if the loan defaults. We are committed to doing everything within our power to find alternative solutions. The Nifty team is here to make the process easier. So, if you’ve got any questions at all, don’t hesitate to get in touch.

Centrelink And Title Loans

Curious as to whether you could be eligible for a loan with title as collateral if you’re receiving Centrelink benefits? Unfortunately, this is a hard question to answer because every applicant’s financial situation is different. Sometimes, Centrelink can be seen as a form of income, however, in other cases, it cannot be. If you are receiving the benefits of NewStart, Youth Allowance or Austudy as your only form of income, it is unlikely that we would be able to help. Otherwise, the best thing to do is to go ahead and apply. Since the application is completely free, we won’t charge you anything and if you apply during standard AEST business hours you could have an outcome within 60 minutes.


Ready to apply and wondering if you’ll be eligible? Above all, we like to keep things as simple as possible. We don’t over complicate things. So, if you can say ‘yes’ to the following you could scroll up and apply right now:

  • You will need to provide us with 100 points of identification;
  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90-days into a bank account that is your own;
  • All applicants must have an active mobile phone number and email address;
  • You must have internet banking set up and ready to be used.

We want to make things nice and easy for our applicants. So, if you’ve got a burning question, just go ahead and get in touch!


Wondering what you’ll need with you to complete the application form? Here’s what we suggest you have handy:

  • Personal details like your online banking & employment info;
  • 100 points of ID;
  • An active email address and mobile number;
  • The reason you are applying for the loan;
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer contact details.
  • How Do We Look At Credit?

    If you’ve been googling ‘loan against my car title’ or ‘get a title loan online’ but are worried that credit could stand in your way? Well, there’s no need to be because Nifty takes a fresh approach to bad credit. We understand that a mistake you made 7 years ago shouldn’t have to affect your ability to get a title loan today. Our team will always conduct a credit score check, however, this will not be the sole focus of our assessment. Our team will look at your spending habits, employment status, and the ability to repay the loan as indicators. When you apply for a title loan with Nifty you can be guaranteed a fair go.

    Apply For Title Loans Online

    Ready to apply for a title loan online? Here’s how you do it…

    Step 1: Scroll Up to Apply Online!

    Firstly, if you’re ready to apply for a title loan, all you’ll need to do is scroll up and use our loan calculator to enter a loan amount and repayment period. Once you’re happy, simply hit ‘apply now’.

    Step 2: Submit Your Online Application

    If you’ve decided to ‘apply now’ you will subsequently be directed to our 100% online application form. The application form could only take a few minutes to complete and if you apply during AEST business hours you could have an outcome within 60 minutes. Once you’ve submitted your application, all you need to do is sit back and relax. Then our team will do all the hard work.

    Step 3: Read & Sign Your Loan Contract

    If your application is successful our team will be in touch! Therefore, our lenders will send over a contract for you to read and sign. We encourage all applicants to make themselves aware of any fees and charges that could be incurred for late or failed payment. When you’re happy, just sign and send it back.

    Step 4: Receive Your Funds!

    When we’ve received your signed contract we’ll send the money straight over. Because of inter-bank transfer times, the speed at which the money will hit your account may be affected. However, we will always do our best to get the cash to you as soon as possible – hopefully on the same day!

    We Help You!

    We love helping Aussies! Have a look at the title loans we’ve already approved:

    Title LoansAmount AUD ($)Approved
    Loan Against My Car Title2,100
    Title After Paying Off Car Loan2,500
    Loan Using Car Title As Collateral3,000

    Disclaimer: The above examples are for illustrative purposes only. They do not, in any way, reflect the terms or interest rate of your possible loan, or the amount you may be approved for.

    Interested to Know More?

    Want to learn more about personal finance? Check out the Nifty Loans blog! With a diverse selection of articles bound to inform and educate, you can read up on some of the best ways to manage your money in the often complex world of finance.

    Alternatively, if you’re looking to apply for one of our title loans but have a few questions that have gone unanswered, head over to our FAQ page for some of our most sought-after information. If you still can’t find the answer to a specific question or would like to talk directly to one of the team, just send us a message via our Contact Form or call us direct on 1300 471 328.

    Do you need to get money fast? Why not let Nifty help!

    Who can apply?

    18 Years and Older Can Apply For Loans

    You're at least 18 years old

    Personal Loans Australia

    You're an Australian Citizen or Permanent Resident.

    Emergency Cash Loans When Earning an Income For More Than 3 Months

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

    Our Money Lenders Will Be In Contact

    You have an active mobile number and email address.

    How it works

    Small Loans

    $300 - $2,000

    Quick Small Loans - Borrow Money Now
    Loan amounts:$300 - $2,000
    Terms:3 - 6 months
    Establishment fee:20%
    Monthly Fee:4%
    APR:N / A *
    Comparison Rate:138.37%**

    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

    Medium Loans

    $2,001 - $4,600

    Medium Loans In An Hour Once Approval Has Been Confirmed
    Loan amounts:$2,001 - $4,600
    Terms:13 - 24 months
    Establishment fee:$400
    Monthly Fee:$0
    Comparison Rate:65.86%**

    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

    Large Loans


    Get Fast Money Today - Small to Big Cash Loans
    Loan amount:$5,000
    Terms:13 - 24 months
    Establishment fee:Variable
    Monthly Fee:$0
    Comparison Rate:48%**

    Large Loan Example

    Loan amounts:$5,000
    Terms:18 months,
    (78 weekly repayments)
    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.

    Who we've helped

    Fast Cash Loans Australia With A Good Reputation
    Nifty Peronal Loans Customer Reviews



    - james


    Types of loans