Community Guidelines | Moderating Our Social Media Pages

We are always open to accept questions, comments, complaints and compliments on our social media and community pages. At the end of the day, our goal is to provide the best service and we are always looking for ways to improve where possible. So, if you have a point of view, tip or experience that you would like to share we highly encourage you to let us know.

Bear in mind it is Nifty Loan’s policy to moderate or remove any content that may put either yourself or us at risk of harm. Any offending content will also be removed. This means we will moderate (and, in extreme cases, ban individual users) content that includes: swearing, threatening, bullying, trolling, abuse, indecency, defamatory remarks, harassment, personal attacks, and offensive or disrespectful language.

We will also moderate or remove content if believe it:

  • Is unlawful
  • Is defamatory
  • Breaches copyright or infringes any person’s intellectual property rights or privacy.
  • Includes offensive or obscene images
  • Contains profanities or offensive statements
  • Contains a political agenda
  • Is spam or advertising

When posting on our pages we ask you to stay on topic and engage in a meaningful, relevant way.  Our online pages are ideally a place where users can join in productive conversation. We ask that users respect the following community guidelines:

  1. Use common courtesy and be respectful of others – we won’t tolerate any discriminatory or offensive comments, or personal attacks on others.
  2. We acknowledge criticism on our products, services and performance overall but we will not allow persistent misrepresentation of Nifty as a company, any affiliates or our staff.
  3. Please try to keep it relevant and stay on topic. Any commentary that goes off-topic on the particular post/thread may be removed or rejected.
  4. Our social media pages should be used as a platform for discussion and conversation and should not replace existing customer service or complaints platforms. If you do have any queries or complaints, please direct them to our contact page on our website.

Please note that Facebook also has its own set of guidelines for posting on their site. You can find Facebook’s policies here.

If you have any further questions regarding what can and can’t be posted on our social media pages please send us an email to

Personal Loan Details

Loan Amounts $5,000 – $15,000
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.