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;
- You must have an active mobile number and email address;
- 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?
Small Loans from $300 to $4,600
Nifty Personal Loans has everything to meet your needs with loans ranging from $300 to $4,600.
Bad Credit? Good Credit? No Credit?
No problem. We are not like a bank. Although we do a credit check, your credit score plays a very small role in your loan assessment. We look at how much you earn and how much you spend to make sure you can afford our repayment.
We assess your loan quickly
Generally a loan decision is granted within an hour of us receiving your complete application during normal business hours – that’s provided we don’t need any extra documents from you.
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 transfer the money to your bank right away. The bank you’re with will determine when you get your funds, but you should have them overnight if you are approved before 4.30pm AEST.
How it works
Complete our quick and simple 5 minute application form.
Decision within the hour
GET AN OUTCOME
We’ll assess your application and get you an outcome in 60 minutes during normal business hours.
GET PAID FAST
How fast you get your funds will depend on which bank you’re with, but we’ll aim to get it to you overnight at the latest.
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.
You must have a personal contact number.
HERE'S HOW OUR SMALL PERSONAL LOANS WORK
HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK
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 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, provided we don’t need any extra documents or for you to verify any details. 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!
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