Small Loans for Pensioners – Borrowing Made Easy with Nimble.

At Nimble, we only lend to pensioners who are eligible. This includes those who are working and earning a majority of their income from working. We require active employment for this type of fast online cash loan and we don't lend to self funded retirees.

Our passion is all in our name – we make borrowing easier so that you can be more Nimble with money. This means that we have invested into the very latest in smart technology to make small loans for pensioners and almost anybody else much easier to get then they might have been in the past.

Here at Nimble, we believe that getting the money you need, when you need it, shouldn’t be complicated. We live in a time when you can order a takeaway, buy a television, read the newspaper, pay your bills, and even watch movies in just a few clicks with the power of the Internet. Finances should be as easy – and with internet banking and other financial services available online with up to date security, we think that online payday loans should be the same.

That is why, since 2005 we have been changing the way Australians just like you get the loans they need – firstly by ditching the mountains of paperwork and introducing paperless applications, and then by creating a ‘straight-through’ process that could see you getting the money you need the same day and in as little as 60 minutes* once confirmed.

Pensioner Small Loans - The Nimble Difference

While we are dedicated to removing the roadblocks that might prevent people from getting the loans they need, that doesn’t mean we do not take our role as a Responsible Lender seriously. We make the process simpler to use, but we still maintain rules about who can apply – and we use information from banks and your credit history to make a decision on your application.

As a provider of online small loans for pensioners we are dedicated to ensuring that any loan we fund is affordable for you – and that is of utmost importance. Throughout the whole process, we remain transparent, making sure that you are fully aware of your rights and responsibilities in the process – from available loan amount to repayment schedules. This is all available to our customers in the Member Area, where you can find out all you need to know about your account.

With our straightforward, transparent approach, we have become a household name in Australia – and we have funded over 1.6 million loans to people just like you, who need a little extra for an unexpected bill, a car breakdown, home renovations or just a nice holiday.

Apply For an Online Small Loan for Pensioners from Nimble

If you are considering using Nimble to arrange one of our short term loans, then the first thing you need to do is consider the amount you want to borrow. If it is for an unexpected expense, there might already be a dollar figure and that makes it straightforward. If it is for something that is a bit more fluid, you might want to borrow slightly more to cover any extras. You can also think about how long you want to repay for, or what might be an agreeable monthly amount for you to pay back.

On application, we will take this into account and using our smart technology, assess your suitability for a loan. We can give you a quick decision in most cases, and if approved, you could have your money in as little as 60 minutes* once confirmed.

Choose Nimble for easy same day loans and solve those pesky financial emergencies – simple, easy, and nimble.

Compare Nimble Loans

Loan Feature

Small Loan

Personal Loan

Establishment Fee

20% of loan amount

For loans $2,050 to $5,000: $400

For loans $5,050 to $10,000: $0

Loan Amount

$300 - $2,000

$2,050 to $10,000


20% of loan amount + 4% of loan amount each month

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

Establishment fee of $400 + 47.6158% p.a. Comparison rate: 65.6597% p.a.**

For loans $5,050 to $10,000: Comparison rate: 47.6158% p.a.

Loan Terms

62 days to 9 months depending on the loan amount

62 days to 23 months


Both Small and Personal Loans are offered with fast approval and funds transfer*.

Please see our full Fee Statement for fee details. If you reschedule your repayments after you confirm your loan, additional fees and charges may apply.

When you take out a Short Term Loan with Nimble, we have some general rules that will apply to everyone.

So you know:

  • You must be over 18 years and employed

  • You must have an active bank account

  • Your main source of income must not be Centrelink

*Customers generally have funds transferred within 60 minutes of signing their loan contract between 9:00 am and 4:30 pm AEST on business days. Clearance times are subject to your bank.

The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Terms, conditions, fees and charges apply, and are subject to change. Applications are subject to Nimble’s credit approval criteria.

*Redraw not available. Funds will generally be transferred within 60 minutes of the loan contract being signed between 9:00 am and 4:30 pm AEST on business days. Clearance times are subject to your bank. Depending on your bank, you may be paid within minutes of confirming your loan 7 days a week, including public holidays.

**The comparison rate for loans between $2,050 and $5,000 is based on an unsecured loan for an amount of $2,500 over 2 years and a $400 establishment fee, and the comparison rate for loans between $5,050 and $10,000 is based on an unsecured loan for an amount of $10,000 over 3 years and a $0 establishment fee.

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.

#Nimble AnyTime is a Continuing Credit Contract. As long as you pay on time each month, you'll have access to your available balance continuously, without the need to reapply. Usage of the Nimble Anytime Virtual Mastercard is subject to the Nimble AnyTime terms and conditions. Clearance times on cash advances are subject to your bank and the time of your request.

Apple, Apple Pay, iPhone, Apple Watch and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

Nimble members who have previously borrowed and repaid one or more loans in full may be eligible to apply for up to $10,000 in their Member Area.

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