1300 471 328 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

Need some fast finance? We're here to help.

How much cash do you want?
How long do you want it for?
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;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • 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?

Save money on monthly fees

Our monthly fees are up to 25% cheaper than most of our competitors.

No credit inquires

We believe that your Credit History is history. We will not perform a credit check or a formal credit enquiry when you apply for a loan with us.

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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.

  • 100% Online
  • 60 Minute Loan Assessment* during business hours
  • 0% Paperwork

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.

Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.

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Not be in financial hardship 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.).

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You must not have received a Centrelink Emergency payment within the last 3 months.

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If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).

Here’s how our fast personal loans work

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Loan Amounts: Minimum $50 to Maximum $1,000.

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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 3%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

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Terms: Minimum 9 weeks to Maximum 24 weeks.

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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $45 (fees based on 3% per month over 10 weeks) = $645 total repayable in 10 weekly installments of $64.50.

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 don’t do credit checks either. 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: 4.7 out of 5 based on 10 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!

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!

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!
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