Credit Guide

This credit guide outlines the responsible lending obligations, obligations to provide an assessment of unsuitability and the dispute resolution procedures of Nifty Loans PTY LTD t/a Nifty Personal Loans (‘we’, ‘us’, ‘our’) (ABN 66 630 101 843, Australian Credit Licence 514 260).

It is a requirement under the NCCP Act to provide this document to you as soon as it becomes apparent that you are likely to enter into a credit contract with us.

Our Responsible Lending Obligations

As a part of our responsible lending obligations, we are required to not enter into a credit contract with you if the contract will be unsuitable. A contract will be deemed unsuitable if:

In determining whether a contract will be deemed unsuitable, we will:

If you are applying for a loan less than $2,000, we must obtain and consider your account statements that cover at least the immediately preceding period of 90 days.

Providing a Copy of Assessment

If you request a copy of our Assessment of Unsuitability for your credit contract:

  • before entering the credit contract, we must give you a written copy of the assessment before entering the contract
  • within two years from the credit day, we must give you a written copy of the assessment in writing within 7 business days of your request
  • after two years from the credit date but within 7 years, we must give you a written copy of the assessment in writing within 21 business day.
Our Internal Dispute Resolution Procedure

If you are not fully satisfied with the service we have provided you, you can notify our complaints manager at:


In your complaint, you should provide your preferred contact details and clearly outline the nature and details of your complaint and our complaints manager will be in touch with you.

Our External Dispute Resolution Scheme

If you are not satisfied with the outcome from our internal dispute resolution procedures or we have not responded within 21 days, you can refer the matter to the independent external dispute resolution scheme of which we are a member;

Australian Financial Complaints Authority
Postal Address GPO Box 3, MELBOURNE VIC 3001
Phone 1800 931 678

Contact Us

Should you have any questions regarding any of the information found in this document, or have any other enquiries, please feel free to contact us.

Phone: 1300 471 328

Address: 14 Douglas St, Milton QLD 4064 Postal Address: PO Box 1833, Milton QLD 4064

Postal Address: PO Box 1833, Milton QLD 4064



Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 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

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
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


large potplant
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
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.

Who we've helped

man sitting with phone
quotation mark

Pretty nifty ;)

"Honestly the application was easy to fill out!!!! Sometimes you can wait a while for an email response when asking a question BUT you do always get a response and it's always polite and friendly!"

- Jvb88


How customers rate Nifty's Personal Loans

Credit Guide Overall rating: 4.6 out of 5 based on 232 reviews.

Types of loans