Who can apply?
Looking for a loan? You can apply with us
You're at least 18 years old
You're an Australian Citizen or Permanent Resident.
You've been receiving a regular income into a personal bank account for at least 3 months.
You have an active mobile number and email address.
Get started
Apply online
We’re 100% online. If you need a quick personal loan, scroll up to the application form and fill in your details. The application can be completed in minutes.
Get an outcome
You’ll likely have an fast personal loan outcome in 60 minutes during normal business hours. Keep an eye on your emails!
Get your money
Get your money soon after approval. Provided the banks play nice, you’ll have it overnight at the latest when accepted by close of business.
Why choose Nifty personal loans?
Nifty Loans can offer a quick personal loan starting at $300 and going up to $5,000. The repayment period depends on the amount you decide to borrow. If you borrow any amount between $300 and $2,000 then you can repay your loan over 3 to 6 months. If you apply for quick loans loan between $2,001 and $5,000, you can repay it over 13 to 24 months.
At Nifty Loans, we don’t judge solely on bad credit. When unexpected expenses creep up, and you need urgent cash, the last thing you need is bad credit stopping you in your tracks. That’s why our team looks at your current relationship with money, rather than just bad credit. So, if you have bad credit, go ahead and apply for fast loans!
When you apply with Nifty Loans, you’ll see why 1000s of Aussies trust us to provide a simple and easy borrowing process. With an online application, you can complete in minutes, no paperwork, and quick results there’s not much to dislike - now that’s fast loans! Don’t believe us? Then, hear it straight from the horse's mouth on Product Review, Trust Pilot, Word of Mouth and Google.
Nifty Loans is 100% online. No need to run down to your local branch, wait in never-ending lines, or sit in tiresome meetings. Just fill out our online fast personal loan application (it only takes a few minutes!), and we’ll deliver online results quick smart! So, if you’re after a quick personal loan, Nifty is ready to help.
After you submit your fast personal loan application, our team will get to work assessing your application and deliver results as quickly as possible. We want to provide quick and fast assessing for all our clients. We know that when you need cash, it’s quick! So, apply today for a fast personal loan.
Our team works fast to deliver quick loans. If we approve your application, we’ll transfer your funds directly to your bank account. Times may vary depending on the speed of your bank. Don’t worry, you’ll have your quick personal loan in a jiffy.
Our Nifty team is always behind your screen, ready to help where they can (during regular business hours, of course). They’re committed to providing valuable online customer service for a fast personal loan. So, if you have any questions about our fast loans service, don’t hesitate to contact our team at info@niftypersonalloans.com.au or give them a call on 1300 471 328.
We can't approve every application unfortunately. But where we cant approve you, we do work with other lenders who we may refer you to if we think they may be able help you.
Want to know something Nifty?
See how it works!
Perfect
"Helped me when I needed it no fusses at all have recommended to all my friends and family will always praise these people."
Excelllent i loved using nifty
"It was easy,quick,fair i loved it"
Perfect when your short of cash
"Needed money fast and nifty gave me a chance. Will apply again when I'm sort of cash. Would recommend nifty to any family or friends Thanks again nifty for giving me a chance"
Personal Loan
"Amazing and easy to use. Absolutely great system. I love how you guys investigate bad credit rather than fail applications. I am very happy overall, and I will use your services again."
Excellent!!
"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!"
The best bad credit personal loan lender
"So far so good would recommend nifty to family and friends have no problems so far."
The best bad credit personal loan lender
"So far so good would recommend nifty to family and friends have no problems so far."
Results speak for themselves
Less than 5% of all business listed on Word of Mouth qualify for the award.
How it works
Small Loans
$300 - $2,000
| Loan amounts: | $300 - $2,000 |
|---|---|
| Terms: | 3 - 6 months |
| Establishment fee: | 20% |
| Monthly Fee: | 4% |
| APR: | N / A * |
| Max Comparison Rate: | 199.43%** |
Small Loan Example
| Loan amount: | $1,000 |
|---|---|
| Terms: | 12 Months, (50 weekly repayments) |
| Establishment fee: | $200 |
| Total other fees: | $240 |
| Total payable: | $1,440 |
| Weekly installments: | $33.60 |
Medium Loans
$2,001 - $4,600
| Loan amounts: | $2,001 - $4,600 |
|---|---|
| Terms: | 13 - 24 months |
| Establishment fee: | $400 |
| Monthly Fee: | $0 |
| APR: | 48% |
| Max Comparison Rate: | 67.41%** |
Medium Loan Example
| Loan amount: | $3,000 |
|---|---|
| Terms: | 18 Months, (78 weekly repayments) |
| Establishment fee: | $400 |
| Total other fees: | $1,379.06 (reducing interest) |
| Total payable: | $4,779.06 |
| Weekly installments: | $61.27 |
Large Loans
$5,000
| Loan amount: | $5,000 |
|---|---|
| Terms: | 13 - 24 months |
| Establishment fee: | $400 |
| Monthly Fee: | $0 |
| APR: | 21.24% |
| Max Comparison Rate: | 48%** |
Large Loan Example
| Loan amounts: | $5,000 |
|---|---|
| Term: | 18 months, (78 weekly repayments) |
| Establishment fee: | $400 |
| Total Interest: | $2,027.80 |
| Total payable: | $7,027.80 |
| Weekly installments: | $90.10 |
* 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.
** 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.
Types of loans
No matter what the occasion, Nifty's got your back.
Popular Loans
Hit the Books
| Amount: | $300 |
|---|---|
| Duration: | 4 Months |
| Repayments: | $25.50 weekly |
Car Repairs
| Amount: | $500 |
|---|---|
| Duration: | 6 Months |
| Repayments: | $30 weekly |
Reverse Tax Refund
| Amount: | $2500 |
|---|---|
| Duration: | 18 Months |
| Repayments: | $57.19 weekly |
Need to know more?
Check out our FAQs
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Nifty exists for you
Let’s call it what it is – we’re a money lender. Where we’re different is in our delivery.
We offer all Australians in need of small amount credit and medium amount credit contracts access to quick personal loans. In other words, we 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.
We’re a 100% online provider of small personal loans, Unsecured personal loans and secured personal loans, too. All our loans are quick loans.
Our quick personal loan repayments are short term. Small loans up to $2,000, medium loans up to $5,000 - we’ve got the amounts you need covered.
So, 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 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 small loans, 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 small loans’ term. Our personal loan calculator is just at the top of this page.
When getting fast cash today is critical, look no further than Nifty loans for quick loans.
Need answers fast?
Visit our frequently asked questions page!
