Need some fast finance? We're here to help.
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.
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”.
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
Complete our quick and simple 5 minute application form.
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.
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.
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.).
You must not have received a Centrelink Emergency payment within the last 3 months.
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
Loan Amounts: Minimum $50 to Maximum $1,000.
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(%).
Terms: Minimum 9 weeks to Maximum 24 weeks.
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?