Nifty Loans - Fast Cash Loans From $2,500 to $10,000
Nifty Logo Jacaranda Finance Logo

What's New?

We’ve become part of the award winning Jacaranda Finance.

Here’s what you can can expect:

  • Competitive personal loan products and rates
  • Money straight to your bank once approved
  • Market leading customer service
  • Fast application outcome
  • Minutes to apply online

How Does It Work?

Our Happy Customers

Why choose
Nifty Personal Loans?

Loans up to $10,000

Nifty Loans can offer quick personal loans starting at $2,500 and going up to $10,000. The repayment period depends on the amount you decide to borrow. If you apply for fast loans between $2,500 and $4,600, you can repay it over 9 to 24 months.

Bad credit? No worries

Looking for bad credit loans? Well, you’re in luck. At Nifty Loans, we don’t judge applicants solely on their credit score. We’re more interested in your current relationship with money and will look at other factors when assessing your eligibility. So, if you have bad credit, go ahead and apply for one of our fast cash loans today! We could be your answer to accessing quick and easy bad credit loans.

Trusted by 1,000s of Aussies

When you apply with Nifty Loans, you’ll see why 1,000s of Aussies trust us to provide a simple and easy borrowing process. You can access cash loans and bad credit loans 100% online. With no paperwork and quick results – there’s not much to dislike! Don’t believe us? Then, hear just how fast our fast loans are straight from the horse’s mouth on Product Review, Trust Pilot, Word of Mouth, and Google.

Convenience at its best

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 apply for our fast loans online (it only takes a few minutes), and we’ll deliver quick online results! So, if you’re after quick cash loans, Nifty is ready to help. Apply for one of our small loans and see for yourself!

Answers in a jiff

After you submit your application for fast loans, our team will get to work assessing your application and deliver results as quickly as possible. We want to provide fast assessing and quick cash loans for all our clients. We know that when you need cash, it’s quick! So, apply today for our fast personal loans today. We may even be able to help you access bad credit loans!

Cash in 60 seconds**!

Our team works fast to deliver quick cash 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. If you have an NPP-enabled bank, you could have your cash within 60 seconds** with instant banking. When we say fast loans, we really mean fast. So, don’t worry, you’ll have your small loans in a jiffy.

Committed to customer service

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 fast small loans and even bad credit loans. So, if you have any questions about our fast loans service, don’t hesitate to contact our team at or give them a call on 1300 471 328.

We help to find you a lender

We can’t approve every application, unfortunately. If we can’t approve you, we work with other lenders who we may refer you if we think they might be able to help you. Nevertheless, you are always welcome to apply for one of our fast loans and we’ll give every Aussie a fair go – we could even offer you bad credit loans!

No fuss, no paperwork. Just nifty loans.

Personal Loan Details

Loan Amounts $5,000 – $10,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.