Fast Loans Online - $300 to $5,000 repaid over 24 months. Apply today.

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.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

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*Only available for NPP enabled bank accounts

Car Loans

We have partnered with some of Australia’s premier brokers to kickstart your car loan search.

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Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

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*Only available for NPP enabled bank accounts

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.

Brokered Car Loans

We have partnered with some of Australia’s premier brokers to kickstart your car loan search.

Tell me more!
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
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 do our personal loans work?

Loan Particulars

Apply Online

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

Application Received

Get an outcome

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

Application 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!

Money Deposit

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

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Popular loans

Car Troubles?

I wheely can't

Car troubles? No trouble.

Amount:$500
Duration:6 Months
Repayments:$30 weekly
Apply Now
Studying at Nifty

Stu-dying?

We get it.

Amount:$300
Duration:6 Months
Repayments:$18 weekly
Apply Now
Moving house

Moving house is great

Said no one ever.

Amount:$1000
Duration:6 Months
Repayments:$60 weekly
Apply Now
*For rates, fees, charges, and comparison rates, please see loan cost tables below.

We don’t stop there

No matter what the occasion is, Nifty has your back.

Loan Costs

Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment 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

$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

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
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.

Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* 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.

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.

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?

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!

Want to know more?

All you need is an internet connection.

Apply online anywhere, at any time.

Apply Now!
Online Anywhere

All you need is an internet connection.

Apply online anywhere, at any time.

Apply Now!

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!

Location

No fuss, no paperwork. Just nifty loans.

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Nifty Personal Loans