Nifty Finance - Cash Loans - Cash Advance Online
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We believe in a no-nonsense approach to lending. If you apply with Nifty, you’ll enjoy quick outcomes, high customer service standards and a smart application form that gives you no-paperwork loans.

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 run-around you’d experience with a traditional lender.

The Nifty Mission

To empower every Aussie in need of a quick cash loan with
the ability to apply whenever, wherever.
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We process applications quickly
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We’re open & frank about our fees
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We provide second-to-none service
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Our Happy Customers

"My first time taking out a nifty loan... very easy format to understand..excellent response within in minutes..Thankyou Nifty"
Aaron Knitter
"Niffy loans were fast approval and friendly staff great service and they helped me when nobody else would I would recommend them to everyone"
Danielle Arenelli
"Easy and convenient 👌"
Alexander Nikolovski
"In less than 15 mins after applying, I recieved email being approved. Then 2 min after that it was in my Bank ! Amazing. Easy no hassle applying 👌"
Allen Reeks
"fast efficient service and clear instructions on Application"
Amanda Borg
"Really helpful and easy to sign up! Highly recommended."
April Brown
"Easy application process and fast response and deposit."
ashlee staples
"Really fast service. Logged in and applied, and recieved the loan within the hour. Very reliable and quick would strongly recommend using."
Anthony Squadrito
"Very good experience! Quick easy and very accessible."
Bevan Dickerson
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Less than 5% of all business listed on Word of Mouth qualify for the award.

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Personal Loan Details

Loan Amounts $5,000 – $10,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

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