Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

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You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

Get started

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Apply online

We’re 100% online. If you need a loan, scroll up to the application form and fill in your details. The application can be completed in minutes.

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Get an outcome

You’ll likely have an outcome in 60 minutes during normal business hours. Keep an eye on your emails!

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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 offers personal loans up starting from $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 a 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!

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. 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 application (it only takes a few minutes!), and we’ll deliver online results quick smart!

After you submit your 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 fast, Nifty loan outcomes!

Our team works fast to deliver quick outcomes. 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.

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. So, if you have any questions about our loan service, don’t hesitate to contact our team at info@niftypersonalloans.com.au or give them a call on 1300 471 328.

Want to know something Nifty?

See how it works!

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Want to know something Nifty?

See how it works!


Who we've helped

Home Overall rating: 4.8 out of 5 based on 20 reviews.

Who we've helped

Home Overall rating: 4.8 out of 5 based on 20 reviews.
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Quick personal loans

"I was very happy with the service that I have received and I would recommend your service to family and friends It was extremely simple to apply and they were only a phone call away if i needed assistance. It was hard waiting to know if i was approved but it all went through within an afternoon."

- John Smith


Results speak for themselves

Less than 5% of all business listed on Word of Mouth qualify for the award.

2016 Word of Mouth Service award 2017 Word of Mouth Service award

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts: $300 - $2,000
Terms: 3 - 6 months
Establishment fee: 20%
Monthly Fee: 4%
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

medium potplant
Loan amounts: $2,001 - $4,600
Terms: 13 - 24 months
Establishment fee: $400
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


large potplant
Loan amount: $5,000
Terms: 13 - 24 months
Establishment fee: $400
APR: 21.24%
Max Comparison Rate: 48%

Large Loan Example

Loan amount: $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

Types of loans

Popular Loans

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Need to know more?
Check out our FAQs


Nifty exists for you

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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.

We process loan applications quickly. We’re open and frank about the costs and the outcomes and we make sure that small, quick, affordable, short-term, bad credit, 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.

Our loan repayments are short term, so you are not put under mountains of extra pressure.

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.

Taking on debt is stressful so make sure 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. 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.

Need answers fast?

Visit our frequently asked questions page!

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Need answers fast?

Visit our frequently asked questions page!