Applying For A Nifty Loan Is Easy And Fast - Find Out How!

How our Personal Loans work

Apply Online

Apply Online

Our application is so simple it could take you only a few minutes to complete.

Get an outcome

Get an outcome

After submitting, 70% of our applicants will receive an outcome instantly.

Get assessed

Get assessed

If you don't get an outcome instantly, most of the time we'll get back to you with a response in just 60 minutes during business hours!

Get your money

Get your money

Once approved, your cash could be in your account and ready to use in 60 seconds with NPP bank accounts!

Want to find out more?

Got everything ready?

Apply for your loan today!

Apply Now!

Who can apply for a personal loan?

✓ You're at least 18 years old.
✓ You have an active mobile number and email address.
✓ You're an Australian Citizen or Permanent Resident.
✓ You've been receiving a regular income into a personal bank account for at least 3 months.

How our Car Loans work

Apply Online

Our application is quick and so easy it could take you just a few minutes to complete.

Get matched with a broker

After submitting, our system will instantly match you to a qualified broker within minutes.

Get a brokered deal!

We'll then work with your professional car loan broker to get you the best deal available.

What will I need to apply?

You’ll need:

Apply Online

A reason for the loan

As part of our assessing policy, we require a reason for your loan. Reasons for a loan include: Car repairs, Home Improvement, Unexpected bills, Dental expenses, Travel, Emergency Loans.

Get an outcome

Contact details

To apply, just enter your contact details including an active mobile number and email address so we can let you know when we have an outcome for your application.

Get assessed

Banking details

As part of our assessment process and commitment to speed, we ask for your internet banking details, so we can access a read-only copy of your expenses and bank statements. So, there’s no need to submit any paperwork, unless we require any more info. Don’t worry we’ll let you know!

Get your money

Your expenses

To assess your application, our team looks at more than just your credit score. They look at your current relationship with money. As a result, in our application, we’ll ask for your expenses and bank statements just to check on your income and spending habits.

Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View 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
View Loan Details

Medium Loans

Medium Loan Example

$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%**
View Example
Loan amounts:
$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
View Loan Details

Small Loans

Small Loan Example

$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%**
View 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
View Loan Details

* 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.

No fuss, no paperwork. Just nifty loans.

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