1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Every now and again we all need a little extra help. That’s when a Nifty Personal Loan can come in handy.

Need some fast finance? We're here to help.

How much cash do you want?
How long do you want it for?
Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
  • you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).

What is a Personal Loan?

A personal loan is money borrowed over an agreed term and can be repaid in small amounts. At Nifty Personal loans, we provide a wide range of personal loans that vary in size and loan term. Loans can be used for car repairs, rental bond or even for medical expenses, you can apply through our online portal for a quick, fast and affordable loan solution. Nifty personal loans offer small personal loans up to $1,000 with a maximum loan term of 6 months.

What makes Nifty different from all other lenders is the ethics and values we adhere to when it comes our lending practices. Our loan repayments are flexible and we are always happy to help out in an unexpected circumstance. There are no hidden fees and we are 100% transparent. You can always use our personal loan calculator to know exactly what your repayments will be and decide whether they will fit in your budget. With Nifty – It’s that simple!

You can apply for a wide range of personal loans with Nifty;

  • small loans with bad credit
  • loans with no credit check (bad credit finance)
  • holiday loans
  • Short term loans.
  • medical loans, etc.

This is what makes a Nifty Personal Loan different from other lenders.

At Nifty, we give everyone a fair chance. We do not discriminate against Centrelink recipients as long as your receive over $400 per week or $800 per fort night. We have thousands of clients who receive Centrelink. At Nifty – we simply do it better.

How to apply for a Nifty Personal Loan?

Our application process is 100% online and it takes less than 5 minutes to complete an online application. Most applications are assessed using innovative technology and have a turnaround time of approximately 60 minutes during normal business hours.

Traditional personal loan applications could take days until you get a reply. Here is where Nifty is different! Once your application is successful, in most cases you will receive the funds into your personal bank account the same day!

You will always speak to a Real Person!

Yes, that’s right, pick up your phone and call us, you will always speak to a real person if you have any doubts or concerns – that’s a Nifty promise.

In conclusion – Yes we do Bad credit personal loans?

Lenders claiming to give you guaranteed approval for bad credit are having you on. At Nifty, we don’t discriminate against bad credit. We are firm believers everyone gets a second chance – Apply now and see why thousands of Australians trust Nifty Personal Loans.

Do you need to apply for a small personal loan?

Before beginning a personal loan application, make sure you’re eligible. We recommend reading the “FAQ” and “Costs” sections on our Nifty website which explains how to apply for a personal loan. To apply for a personal loan, you will need a mobile phone, email address and preferably have online banking. During the personal loan application process, you will need to provide some general information in order for us to get to know you better. This includes your identification and income details as well as what the personal loan is for and how much you need. Any information you provide us with is treated with the highest confidentially and protected by strict privacy laws.

The final step in the personal loan application process is to provide us with the necessary documents so we can assess you for one of our personal loan products. If you are calculating your own budget, you can use our personal loan repayment calculator to get a rough estimate of what your personal loan repayments may be.

By law, we need the last 90 days of your bank statements. This information allows us to determine how we can best help you out. These documents can be sent to us automatically using Nifty’s secure software. By entering your online banking customer number and password into a banking gateway (which nobody gets to see except you), your bank statements are safely delivered to us. You can sleep easy knowing none of your information is stored nor do we have access to your accounts; once the statements are sent your details are erased.

How long does it take to apply for a Personal Loan with Nifty?

Generally, applying for a personal loan with Nifty only takes a few minutes and we are able to notify most applicants of the outcome within an hour of receiving a personal loan application (during normal business hours of course). This allows our specialist team to review your situation and determine how we are able to help. 60 minutes to approval ! It really is that easy!

You’ll find Nifty’s personal loan rates are the best on offer (up to 25% cheaper that other lenders in the same class).

In brief :
Where to apply for a personal loan ? – Nifty !
How to apply personal loan – refer Nifty website.
Apply for personal loan – wherever and whenever it’s convenient for you.

HOW TO QUALIFY FOR A NIFTY PERSONAL LOAN

You are at least 18 years of age.

You are an Australian Citizen or Permanent Resident.

Receive a regular income into a personal bank account.

Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.

Here’s how our fast personal loans work

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Loan Amounts: Minimum $50 to Maximum $1,000.

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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 3%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

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Terms: Minimum 9 weeks to Maximum 24 weeks.

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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $45 (fees based on 3% per month over 10 weeks) = $645 total repayable in 10 weekly installments of $64.50.

How customers rate Nifty’s Personal Loans

plf Overall rating: 4.3 out of 5 based on 52 reviews.

Nifty Personal Loan is the best!

★★★★★
5 5 1
Nice and quick. I was kept well informed in every step. So far so good.

Excellent

★★★★☆
4 5 1
Excellent! Very prompt and efficient!

Helpful

★★★★☆
4 5 1
Prompt Response. Clear understanding of requirement and helpful customer service.

nifty

★★★★★
5 5 1
Quick, easy and fast service!

Personal Loan

★★★★★
5 5 1
Amazing and easy to use. Absolutely great system. I love how you guys investigate bad credit rather than fail applications. I am very happy overall, and I will use your services again.

Awesome

★★★★★
5 5 1
quick approval, pleasant experience.

Great

★★★★☆
4 5 1
Great and amazing service, would recommend you to anyone without hesitation.

quick personal loans service

★★★★★
5 5 1
Extremely dependable and effective service.

thank you

★★★☆☆
3 5 1
The application process was really simple and friendly customer support. No issues up to this point.

fast process

★★★☆☆
3 5 1
Very happy with overall result and process, will definitely use Nifty again.

fast personal loan approval

★★★★★
5 5 1
Efficient and fast service. Loved it!!

Excellent

★★★★★
5 5 1
Excellent
Personal Loan