Cash in your bank within 60 seconds of approval*
- It's possible with Nifty.
*Only available for NPP enabled bank accounts
Cash in your bank within 60 seconds of approval*
- It's possible with Nifty.
*Only available for NPP enabled bank accounts
We're Nifty Loans, your friendly neighbourhood neo-lenders
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.
Our systems are smart enough to know that your credit history is in the past.
We look at how you currently manage your money and what you can reasonably afford.
The Nifty Mission
To empower every Aussie in need of a quick cash loan with the ability to apply whenever, wherever.
- 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.
Our Happy Customers
So simple and non intrusive!
Wonderful, simple easy, filled it out at lunch time and had the money by 5pm. No unexpected costs or issues. Extremely satisfied, thank you for getting me out of a Jam! Quick and easy and easy to repay!
Grace G
Prompt and easy to deal with
Nifty are always prompt and easy to deal with.The process of applying and repaying is simple and I have utilised niftys service multiple times because of this.
Andrew W
They were so easy to deal with!
They were so easy to deal with and super fast! From the application to approval & getting the funds in 24 hours. I also had to call to change some details and they were super friendly & accommodating. Highly recommended!
Angela R
Very happy with the service!
The process with Nifty is very easy. If you’re in need of a small loan, I’d recommend this company. I was approved within an hour and had my money by 7pm that night. Very happy with the service! Thanks Nifty!
Holly A
Review your Nifty experience
Results speak for themselves
Less than 5% of all business listed on Word of Mouth qualify for the award.
Loan Costs
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%** |
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 |
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%** |
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 |
Large Loans
$5,000
| Loan amount: | $5,000 |
|---|---|
| Terms: | 9 - 24 months |
| Establishment fee: | Variable |
| Monthly Fee: | $0 |
| APR: | 21.24% |
| Comparison Rate: | 48%** |
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 |
** 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
$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%** |
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 |
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%** |
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 |
Large Loans
$5,000
| Loan amount: | $5,000 |
|---|---|
| Terms: | 9 - 24 months |
| Establishment fee: | Variable |
| Monthly Fee: | $0 |
| APR: | 21.24% |
| Comparison Rate: | 48%** |
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 |
| |
** 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.