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ⓘ Loan Disclaimer
Cash in your bank within 60 seconds of approval*
*Only available for NPP enabled bank accounts
- It's possible with Nifty.
Fast Personal Loans
- Smart and quick application form, which can be completed in minutes
- 70% of applicants receive an outcome instantly
- For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.
How It Works
Apply Online
Our application is so simple it could take you only a few minutes to complete.
Get an outcome
After submitting, 70% of our applicants will receive an outcome instantly.
Get assessed
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!
Get your money
Once approved, your cash could be in your account and ready to use in 60 seconds with NPP bank accounts!
Our Happy Customers
So simple and non intrusive!
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!
Grace G
Prompt and easy to deal with
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.
Andrew W
They were so easy to deal with!
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!
Angela R
Very happy with the service!
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!
Holly A
Popular loans
*For rates, fees, charges, and comparison rates, please see loan cost tables below.
We can help you with:
Bad Credit Loans
Secured Personal Loans
Unsecured Personal Loans
Consolidation Loans
Car Loans
Self Employed Loans
We don’t stop there
No matter what the occasion is, Nifty has your back.
Who can apply for a personal loan?
Why choose Nifty personal loans?
Nifty Loans can offer quick personal loans starting at $300 and going up to $5,000. The repayment period depends on the amount you decide to borrow. If you borrow small loans between $300 and $2,000 then you can repay your loan over 6 to 9 months. If you apply for fast loans between $2,001 and $5,000, you can repay it over 9 to 24 months.
Nifty Loans has recently partnered with the Diversifi broker team to help you find cash loans for your dream car! Now, you can apply online for car loans starting from $10,000, with repayment terms between 1 and 7 years. So, take the hassle out of financing your next car and let Nifty help you find fast loans to get you back on the road!
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.
When you apply with Nifty Loans, you’ll see why 1000s 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.
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!
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!
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.
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 info@niftypersonalloans.com.au or give them a call on 1300 471 328.
We can’t approve every application, unfortunately. If we can’t approve you, we work with other lenders who we may refer you to 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!
Loan Costs
Large Loans
Large Loan Example
$5,000
Medium Loans
Medium Loan Example
$2,001 - $4,600
Small Loans
Small Loan Example
$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.
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, 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.
We’re a 100% online provider of small personal loans, unsecured personal loans and secured personal loans, too. So that means no paperwork and no worries!
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.
When getting fast cash today is critical, look no further than Nifty loans for quick loans.
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!
