*Only available for NPP enabled bank accounts
- It's possible with Nifty.
*During normal business hours.
Our application is so simple it could take you only a few minutes to complete.
After submitting, 70% of our applicants will receive an outcome instantly.
If you don't get an outcome instantly, most of the time we'll get back to you with a response in just 60 minutes during business hours!
Once approved, your cash could be in your account and ready to use in 60 seconds with NPP bank accounts!
Wonderful, simple easy, filled it out at lunch time and had the money by 5pm. No unexpected costs or issues. Extremely satisfied, thank you for getting me out of a Jam! Quick and easy and easy to repay!
Nifty are always prompt and easy to deal with.The process of applying and repaying is simple and I have utilised niftys service multiple times because of this.
They were so easy to deal with and super fast! From the application to approval & getting the funds in 24 hours. I also had to call to change some details and they were super friendly & accommodating. Highly recommended!
The process with Nifty is very easy. If you’re in need of a small loan, I’d recommend this company. I was approved within an hour and had my money by 7pm that night. Very happy with the service! Thanks Nifty!
$5,000 - $10,000
$2,001 - $4,600
$300 - $2,000
* 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.
Car troubles? No trouble.
We get it.
Said no one ever.
*For rates, fees, charges, and comparison rates, please see loan cost tables below.
Bad Credit Loans
Secured Personal Loans
Unsecured Personal Loans
Self Employed Loans
We offer all Australians in need of small amount credit and medium amount credit contracts access to quick personal loans. In other words, when you need a loan we can offer quick loans, fast loans, small loans - you get it, we’re speedy!
We process loan applications quickly. We’re open and frank about the costs and outcomes associated with our small loans and we make sure that small, quick, affordable, short-term, bad credit loans, unsecured personal cash loans (and secured loans, too) are available to people just like you. And you. And you.
Our quick personal loan repayments are short term. Loans up to $2,000, medium loans up to $5,000 - we’ve got the amounts you need covered.
Been hit with a last minute expense? If you need to borrow money quickly, you’re in the right place. We’ve cut out the nonsense to make getting an emergency loan, bond loan, relocation loan or, frankly, any loan, quick. Yep, you read that right.
Our online loans are quick and easy. Whatever you need the money for, whatever the emergency or adventure, whether you’re employed or get your income from Centrelink, you’re welcome here. We think all Aussies should have access to fast loans!
Taking on debt is stressful so make sure that, before you apply for a loan, you read about our easy repayment terms. You can even use our personal loan repayment calculator to see the estimated repayment cost you can expect over the duration of your loans’ term. Our personal loan calculator is just at the top of this page, so make sure you check it out.
Wanting to simplify your repayments? We can provide consolidation loans to combine all your payments into one. Better still, our fast assessment process means we can give you an outcome within one hour if you apply during business hours.
Nifty is a lender for Aussies, by Aussies. We’re nationwide baby! From Queensland to Western Australia, Northern Territory to Tasmania, NSW to ACT - we help Aussies across the country access fast cash when they need it most.
Only need a little financial boost? No problem. We can provide micro and mini loans in no time. In fact, thanks to instant banking, if you’re approved for finance you could get your money in just 60 seconds if your bank has NPP-enabled payments!
So, whether you live in Brisbane, Gold Coast, Sydney, Newcastle, Canberra, Melbourne, Adelaide, Perth, or any other city for that matter - we’re the local lender to turn to when you’re looking for same day cash loans!