There’s no-one like Nifty

Quick applications.
Fast approval.
That’s Nifty!

  • Quick applications
  • Quick Outcomes
  • Top-notch service
How much cash do you want?
How long do you want it for?

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Repayments

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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. Click here for a worked example

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our loans between $300 and $2000 is 199.43%. 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. Click here for a worked example

As seen on

get started.

1

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.

2

get an outcome

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

3

Your money is on its way

We’ll send your money soon after you’re approved. Provided the banks play nice, you’ll have it overnight at the latest when accepted by close of business.

who can apply?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • 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.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

why choose nifty personal loans?

Small loans up to $5,000

Whether it’s a quick $300 or a cool $5,000, there’s a Nifty loan for you.

Bad credit? Good credit? No credit?

We’ll do a credit check, but a bad credit score isn’t the end of the road for you. We’ll also look at how you currently manage your money, what you get and what you spend.

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Trusted by 1000s of Aussies

Apply for a loan with us and see why thousands of Aussies trust Nifty Personal Loans. Don’t believe us? Take a look at what they have to say on Product ReviewsTrustPilot and Word Of Mouth.

Convenience at its best

No tiresome paperwork, no queues, no calls. Just jump online and apply.

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Answers in a jiff

Your time is precious to us, too. That’s why we’ve cut all the nonsense out to give you a clean, simple application process and assess your loan quickly to get you a loan decision in less than an hour.

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A quick buck

Signed your online contract? We’ll transfer the money soon. As long as the banks play nice, you’ll have your money overnight at the latest.

Here’s what our customers have to say!

Home Overall rating: 4.8 out of 5 based on 20 reviews.
Always great service from nifty, hassle free, quick, highly recommend it to my friends. Keep up the customer service guys

Deb L

5.0
2018-02-09T15:04:43+00:00

Deb L

Always great service from nifty, hassle free, quick, highly recommend it to my friends. Keep up the customer service guys
Nifty is the Best! They give you a fair go regardless of previous mistakes. Always gives you reminders of when repayments are due.

Jeff

5.0
2018-02-09T15:05:14+00:00

Jeff

Nifty is the Best! They give you a fair go regardless of previous mistakes. Always gives you reminders of when repayments are due.
Excellent people at Nifty happy to help out a single mum in need. Thanks Nifty For helping my little family though a small hurdle.

Tanya

5.0
2018-02-12T07:38:56+00:00

Tanya

Excellent people at Nifty happy to help out a single mum in need. Thanks Nifty For helping my little family though a small hurdle.
I had at a very tough stage with both my car registrations coming as well as a few other bills were all piling up. So I needed a quick fix.

Kylie

4.0
2018-02-13T11:28:18+00:00

Kylie

I had at a very tough stage with both my car registrations coming as well as a few other bills were all piling up. So I needed a quick fix.
Quick and easy to apply. Fast and efficient getting your loan . No hidden fees and a happy family to take on holidays

Ado F

4.0
2018-02-13T11:28:45+00:00

Ado F

Quick and easy to apply. Fast and efficient getting your loan . No hidden fees and a happy family to take on holidays
4.6
5

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: 20%
  • Monthly fee: 4%

Example

Loan Amount: $1000 $1000
Term: 6 Months, repayable weekly (25 weekly repayments) 12 Months, repayable weekly (50 weekly repayments)
Principal amount: $1000 $1000
Establishment fee: $200 (20% establishment fee) $200 (20% establishment fee)
Total other fees: $240 (fees based on 4% per month over 25 weeks) $480 (fees based on 4% per month over 50 weeks)
Total payable: $1,440 $1,680
Weekly installments: $57.60 $33.60

medium personal loans.

  • Loan amounts: $2,100 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 67.41%
  • 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

Example

Loan Amount: $3,000 $4,500
Term: 18 months, repayable weekly (78 weekly repayments) 24 months, repayable weekly (104 weekly repayments)
Principal amount: $3,000 $4,500
Establishment fee: $400 $400
Total other fees: $1,379.06 (reducing interest) $2,732.56 (reducing interest)
Total payable: $4,779.06 $7,632.56
Weekly installments: $61.27 $73.39

large personal loans.

  • Loan amount: $5,000
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 21.24%
  • Comparison Rate: 48%
  • 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

Example

Loan Amount: $5,000 $10,000
Term: 18 months, repayable weekly (78 weekly repayments) 24 months, repayable weekly (104 weekly repayments)
Principal amount: $5,000 $10,000
Total Interest: $2,027.80 $5,577.12
Total payable: $7,027.80 $15,577.12
Weekly installments: $90.10 $149.78

Want to know something nifty? See how it works!

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.

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 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.

Let’s make you our priority

Need answers fast? Visit our Frequently Asked Questions Page!