Fast Online Loans | $300 to $5,000 repaid over 24 months!

No fuss.
Just
nifty loans.

Apply now for:

Fast Personal Loan

up to $5,000

or

Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

Paid back over 9Months

Estimated repayments

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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.

Tell Me More!
Cash in your bank within 60 seconds of approval*

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.

Nifty Personal Loans Reviewed by Product Review
Quick Cash Loans from Nifty Reviewed by True Local
Short Term Loans & Small Loans Reviewed by Techboard
Borrowing Money From Nifty Personal Loans reviewed by Word of Mouth
Australian Fintech Reviews Online Finance Assistance from Nifty
Bad Credit Loans & Loans For Poor Credit Ratings reviewed by Aus Scene

How It Works

Apply Online

Apply Online

Our application is so simple it could take you only a few minutes to complete.

Get an outcome

Get an outcome

After submitting, 70% of our applicants will receive an outcome instantly.

Get assessed

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

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

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?

✓ You're at least 18 years old.
✓ You have an active mobile number and email address.
✓ 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.

Why choose Nifty personal loans?

Visit FAQs

Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
EEstablishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
EEstablishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* 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.

All you need is an internet connection.

Apply online anywhere, at any time.

Apply Now!
Online Anywhere

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!

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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!

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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.

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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!

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No fuss, no paperwork. Just nifty loans.

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