Who can apply?

  • 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.

Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts

Who can apply?

  • 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.
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 does it work?

Apply Online

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

Get an outcome

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

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

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

I wheely can't

Car troubles? No trouble.

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

Stu-dying?

We get it.

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

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

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
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.

Why choose Nifty personal loans?

Nifty Loans can offer a quick personal loan starting at $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 6 to 9 months. If you apply for quick loans 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 for fast loans!

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 - now that’s fast loans! 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 fast personal loan application (it only takes a few minutes!), and we’ll deliver online results quick smart! So, if you’re after a quick personal loan, Nifty is ready to help.

After you submit your fast personal loan 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 a fast personal loan.

Our team works fast to deliver quick 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 can have your cash within 60 seconds with instant banking. Don’t worry, you’ll have your quick personal loan 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 a fast personal loan. 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. But where we cant approve you, we do work with other lenders who we may refer you to if we think they may be able help you.

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, we 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. All our loans are quick loans.

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Our quick personal loan repayments are short term. Small loans up to $2,000, medium loans up to $5,000 - we’ve got the amounts you need covered.

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. 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 small loans, 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 small loans’ term. 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 for quick loans.

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No fuss, no paperwork. Just nifty loans.

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