Apply

s WARNING: Do 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, call 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: www.humanservices.gov.au/advancepayments

The Australian 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 much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do 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, call 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: www.humanservices.gov.au/advancepayments

The Australian 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

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • You must have an active mobile number and email address;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
  • you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).

Why choose Nifty Personal Loans?

Small Loans from $300 to $4,600

Nifty Personal Loans has everything to meet your needs with loans ranging from $300 to $4,600.

No credit check? No problem!

We do credit checks! But here at Nifty we don’t only look at your bad credit, because we think that your credit history shouldn’t be the only thing considered when assessing your loan eligibility.

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You can trust Nifty

Apply for a loan with us and see why thousands of Australians trust Nifty Personal Loans. You can also read our reviews on Product Reviews and Word Of Mouth.

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We assess your loan quickly

Generally a loan decision is granted within an hour of us receiving your complete application during normal business hours.

We are 100% Online

Applying with Nifty is easy. There’s no tiresome paperwork. Just jump on your computer or smartphone any time of the day.

Once approved we pay you fast

Once your online contract is accepted we will immediately transfer the money to your bank. The latest you will receive the funds will be overnight providing you are approved before 4.30pm AEST.

How it works

personal loan

Step 1

APPLY ONLINE
Complete our quick and simple 5 minute application form.

centrelink loan

Decision within the hour

GET A DECISION
We assess you application and provide you with an outcome, usually within 60 mins during normal business hours.

personal loans

Step 3

GET PAID FAST
Once approved, and your online contract is accepted, we will transfer the money to your bank.

How to qualify for a nifty personal loan

You are at least 18 years of age.

You are an Australian Citizen or Permanent Resident.

Receive a regular income into a personal bank account for at least 3 months.

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You must have a personal contact number.

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $300 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 3 months to Maximum 6 months.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK

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Loan Amounts: Minimum $2,001 to Maximum $4,600.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 13 months to Maximum 24 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

The Nifty Mission

To empower every Australian in need of small amount credit with the ability to access our quick personal loans. To process loan applications swiftly and to the complete satisfaction of our customers. To be open and frank about our fees and charges. To provide second-to-none service. Nifty exists for you. We don’t mind saying we’re a money lender. After all, that’s exactly what we do. Small, quick, affordable, short-term, bad credit, unsecured personal cash loans to every day Australians. We are an online provider of small personal loans. They’re unsecured personal loans (we don’t register an interest in your car or anything like that). They’re short term – as short as you need them to be. We understand that speed is important to you. When a situation arises where you need to borrow money quickly, we get that and we deliver. For more information please see our personal loan repayment calculator. We also do emergency loan when you are in a tight spot.

Most applications are assessed within one hour. Whether it’s a bond loan or you need the money for any other unexpected event, Nifty’s online loans are quick and easy to apply for. We won’t treat you like a number or a liability like the more mainstream lenders. Whether you’re employed or get your income from Centrelink, you are welcome to apply with Nifty. We understand your wants and needs and our aim is to satisfy your requirements in the easiest and most efficient way possible. We want to establish a relationship with you so that you are comfortable dealing with us and communicating with us. We speak your language. It can be stressful taking on debt. We can help you to overcome that with easy repayment terms. You can use the personal loan calculator to see an estimated repayment cost. When life throws up those challenges where fast cash today is critical, look no further than Nifty. You’ll never look back. We guarantee it!

How customers rate Nifty Personal Loans?

Home Overall rating: 4.8 out of 5 based on 18 reviews.

Quick personal loans

★★★★★
5 5 1
I was very happy with the service that I have received and I would recommend your service to family and friends It was extremely simple to apply and they were only a phone call away if i needed assistance. It was hard waiting to know if i was approved but it all went through within an afternoon.

Very helpful

★★★★★
5 5 1
I am very happy with the help and commutation Level between myself and Nifty Finance. Massive help in a sticky situation.

Fast Outcome

★★★★★
5 5 1
I was pretty surprised how quick it was - great serivce - thanks!

Customer service

★★★★★
5 5 1
I have used a few companys now, but have never had such good service, when i put my first application through they called me and explained why I was knocked back, it was because I was over comitted, when the loan finished I applied with Nifty, I was approved very quickly and for the same loan over the same amount of time the repayments were cheaper. It made my day

Ms

★★★★☆
4 5 1
thankyou! i needed a quick easy loan for my car rego!

BEST LOAN COMPANY!

★★★★☆
4 5 1
Nifty has been great to me they are a trusted lender and has always been able to help me out i would 100% recommend them to anyone who are looking to get a loan...Thank you Nifty you guys are AWESOME! ☺☺☺☺ Best loan company and the staff are always friendly!

Easy, fast and stress-free!!!

★★★★★
5 5 1
Every step of the process was easy, with fantastic support and plenty of helpful information along the way. Wonderful customer service, and super fast access to money once approved! Very happy customer, positive experience all round.

Great Service !

★★★★★
5 5 1
This is a perfect loan company for when you need that little bit of extra money to help you through the week and payments are easily affordable.

Friendly Service

★★★★★
5 5 1
I couldn't afford my repayments for a while as I was having a few personal issues - I spoke to Barry who provided me with a number of options and was really understanding and helpful- thanks Barry

Very fast outcome

★★★★★
5 5 1
Thank you so much nifty! Everything was very quick and simple to apply online and you responded to my apllication in a very fast and professional manner. Definitely recommend nifty!

Fast and prompt

★★★★★
5 5 1
Very fast process also once loan was paid off I got a txt I can borrow a little more and just to sign the contract now If I need it.

Nifty

★★★★★
5 5 1
I think this is great. Never had an issue with Nifty and have used a few companies. Will be using Nifty again.

Great service

★★★★★
5 5 1
Great company and service. Recommend 100 %.

Highly recommend it !

★★★★★
5 5 1
Always great service from nifty, hassle free, quick, highly recommend it to my friends. Keep up the customer service guys.

Great easy application

★★★★★
5 5 1
Well layed out application quick easy and convenient

"TOPS"

★★★★★
5 5 1
Helpful easy recommend to all 100% grateful.

Fantastic

★★★★★
5 5 1
So helpful Even with my credit rating, nifty helped me get through a tough time Thank you 🙂

Excellent!!

★★★★★
5 5 1
Helped me out when I needed it perfect timing r excellent people to deal with so very helpful! If my time comes along again I certainly can't see why nifty could not help me!
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