the nifty story

How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

When it comes to combating those pesky lemons life tends to chuck your way every now and then, Nifty Personal Loans is on your side.

We may be a money lender, but we take a slightly different approach to getting our customers the money they need.

We’re here to make sure small, quick, affordable, short-term, bad credit, unsecured personal cash loans are available to everyday Australians without the runaround you’d experience with a traditional lender.

Here’s how: Our systems are smart enough to know that your credit history is in the past, rather looking at how you currently manage your money and what you can reasonably afford.

We understand that speed is important to you, so when you need to borrow money quickly, we’ll deliver.

We’re straight-shooters. If we can’t help you, we’ll let you know fast so you don’t waste any time. Isn’t that great to know.

Want to know something nifty? See how it works!

the nifty mission.

To empower every Aussie in need of a quick cash loan with the ability to apply whenever, wherever.

Here’s how we do that:

  • We process applications quickly, with each unique situation in mind.
  • We’re open and frank about our fees and charges.
  • We provide second-to-none service.

What are you waiting for?

How customers rate Nifty’s Personal Loans

plf Overall rating: 4.4 out of 5 based on 55 reviews.

Quick personal loans

5 5 1
I was very happy with the service that I have received and I would recommend your service to family and friends It was extremely simple to apply and they were only a phone call away if i needed assistance. It was hard waiting to know if i was approved but it all went through within an afternoon.

Very helpful

5 5 1
I am very happy with the help and commutation Level between myself and Nifty Finance. Massive help in a sticky situation.

Fast Outcome

5 5 1
I was pretty surprised how quick it was - great serivce - thanks!

Customer service

5 5 1
I have used a few companys now, but have never had such good service, when i put my first application through they called me and explained why I was knocked back, it was because I was over comitted, when the loan finished I applied with Nifty, I was approved very quickly and for the same loan over the same amount of time the repayments were cheaper. It made my day


4 5 1
thankyou! i needed a quick easy loan for my car rego!


4 5 1
Nifty has been great to me they are a trusted lender and has always been able to help me out i would 100% recommend them to anyone who are looking to get a loan...Thank you Nifty you guys are AWESOME! ☺☺☺☺ Best loan company and the staff are always friendly!

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