Applying For A Nifty Loan Is Easy And Fast - Find Out How!
Eligibility Criteria:
  • Be at least 18-years of age;
  • Be an Australian citizen or permanent resident;
  • Have Internet banking set up;
  • Have an active mobile number and email address;
  • Have been receiving regular income for the past 90-days.
Get your quick cash
loan today!

What Will I Need to Apply?

Loan Reason

Reasons for a loan can include: car repairs, home improvements, unexpected bills, dental expenses, travel, emergency loans.

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.

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.

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.

No fuss, no paperwork. Just nifty loans.

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.