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Nimble Medium Loan

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Nimble Medium Loan
Maximum loan amount
Turnaround time conditions apply*
1 hour
Term of loan
62 days to 23 months
Do you really need a loan today? If you would like to speak to someone about your finances you can call the free National Debt Helpline on 1800 007 007.


Borrow from $2,050 to $5,000 with terms up to 48 months. High fees and charges apply.

Nimble’s medium loan comes with borrowing limits of $2,050 to $5,000 while terms range from 62 days to 23 months. The turnaround time is also quick. If you apply before 4:30pm AEST on a business day, you could receive your funds within 1 hour.

However, this loan is expensive. Your cost depends on how much you borrow. Given the cost of the loan, you should only apply in case of an emergency. This is not a long-term financial solution.


  • Larger maximum borrowing amount
  • Loan terms 62 days to 23 months


  • High loan cost
  • Not available to Centrelink earners

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Product Details

Product Name Nimble Medium Loan
Minimum loan amount $2,050
Maximum loan amount $5,000
Arrears Fee $15
Loan term 62 days to 23 months
Turnaround time 1 hour - conditions apply*
Costs Application fee of $400 + 47.62% p.a. for $2,050 to $5,000
Available to Centrelink Borrowers? No
Please note: Nimble Visa prepaid card is no longer available.

⚠️ Warning about Borrowing

payday-warningDo you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

How does the Nimble medium loan work?

You can apply for a loan by visiting the Nimble website and submitting your application directly. Borrowing amounts range from $2,050 to $5,000. Costs vary depending on how much you want to borrow. In general, this loan comes with high fees, interest and charges. You should only apply in case of an emergency. Loan terms are also short, with a maximum of 48 months.

Features of the Nimble medium loan

  • Borrow up to $5,000. You can apply for amounts between $2,050 and $5,000.
  • Terms up to 48 months. Your loan term can range from 62 days to 23 months.
  • Quick turnaround time. If your loan is confirmed before 4:30pm AEST on business days, you can receive your funds within 60 minutes directly into your bank account.
  • Automatic repayments. On the scheduled date, repayments will automatically be directly debited out of the borrower's nominated bank account. They'll receive an SMS repayment reminder before the scheduled date.
  • Account management. You can manage your loan and check your repayments through the Nimble Member Area.

How much does this loan cost?

Your costs will depend on how much you borrow.

For loans from $2,050 to $5,000:

  • Establishment fee of $400
  • Interest rate of 47.6158% p.a.
  • Comparison rate is 65.6597% p.a.
Other fees that may apply include the following:
  • Dishonour fee of $15, charged when payments are not made in full and on time.
  • Reschedule fee of $15, charged when a repayment is rescheduled.

What to consider before submitting your application

Before you apply for the loan, you should consider your alternatives. There may be cheaper loans available, including personal loans.

You should also consider whether you can realistically afford the loan. You can use the Nimble website to get an estimate of your repayments and work out if it's affordable on your current budget. You should also consider whether you need the full amount you're applying for, or if you could get by with a smaller amount.

Remember, if you're unable to make repayments at any stage, there will be additional fees that will add to your financial burden. This loan should only be used in an emergency. Keep in mind that this is not a long-term financial solution.

How to apply

For those considering applying for the Nimble Medium Loan, head to the Nimble website to get an application started. All applicants should check that they meet the below eligibility criteria before they begin. Applicants need:

  • To be over the age of 18
  • To be employed
  • Their primary income to not come from Centrelink

Before someone applies, they should make sure that they have the following details on hand to complete their application:

  • Personal details. Their name, contact information and a form of ID.
  • Employment information. They need to indicate whether they are employed full-time, part-time or other.
  • Financial details. Their proof of income, expenses and assets.
  • Banking information. They'll need their Internet banking logins so Nimble can verify their financials.

Make sure to compare this loan with similar products before submitting an application.

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March 18, 2019

Hi, I am looking for a loan of 4000$. I have bad credit. But now I have a full-time job and I also work part-time as well. I wanted to know if I am eligible. I m pretty sure my bad credit file might hold me back. I recently cleared a loan amount of 1700 with another financial organisation. Would that help my application? I am in urgency for funds.

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Joshua Finder

March 20, 2019

Hi Sravan,

Thanks for getting in touch with Finder. I hope all is well with you. 😃

Yes, it is possible for you to get a loan even if you have bad credit. Please refer to our guide to $5,000 loans. On that page, you will learn how to be approved for a $4000 loan with bad credit. Moreover, that page has a table that you can use to compare lenders based on the maximum loan amount, loan term, costs, and others. After you are done comparing, you can then click on the “Go to site” green button to learn more or initiate your application.

Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.

I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

Have a wonderful day!



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August 23, 2017

Hi , I would like to know what the minimum repayments for a $3000 loan would be as I am coming into a inheritance in the next 6 months thanks


Harold Jacob Finder

August 23, 2017

Hi Kristian,

Thank you for your inquiry.

Typically, minimum loan repayment based on the loan amount will be provided by your lender. Should you need to further discuss this matter, you can read our Nimble review page to learn more or go to their website to contact them directly.

I hope this information has helped.



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November 25, 2016

My loan was unsuccessful as my employer pays me by cash not into my acct is there another way I can apply with proof of income?


May Finder

November 25, 2016

Hi Jacqueline,

Thanks for your question and I’m sorry to hear about the rejection of your application.

Generally, lenders would require you to provide proof of your income source to assess your financial position and your ability to repay the loan. Usually, for applicants who are paid in cash, banks or lenders would consider them as having unstable employment.

For a chance to be accepted, you may have to provide evidence of all your income plus endorsements from your employer. Depending on the state you live in and the tax regulations, you may or may not be required to pay tax. So having that income record in your tax, it will also mean that you can have the documentation to show to the lender. You may refer to the list of payday loans for cash payments to see your possible options.

Also, before submitting an application for credit, make sure to review the eligibility criteria and requirements so that you would know if you qualify for the loan or not.



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July 13, 2016

Are you giving loan to swedish citizens living in sweden. It isa emergency


Elizabeth Barry Finder

July 13, 2016

Hi Britt-Inger,

Unfortunately Nimble only provides loans to current residents of Australia. You’ll need to contact a lender in Sweden if you’re in need of a loan.

Sorry I couldn’t be of more assistance,


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