Personal Loan up to $5,000. We offer Fast Outcomes. Apply now!

When money is tight, you can apply for a personal loan with Nifty Loans to give yourself some breathing space!

We’re here to help you deal with the times when you haven’t planned for the unexpected. We do quick cash loans for when you need them most! If it sounds good to you, here’s what you need to know!

What is a personal loan?

A personal loan is money borrowed over an agreed term, which you can repay in small amounts. At Nifty Loans, we provide a wide range of personal finance 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 form for a quick, fast and affordable loan solution. Nifty Loans can help you with small finance up to $5,000 with a maximum loan term of 24 months.

You can apply with Nifty Loans for a range of things, which may include the following categories:

How much can you borrow with Nifty Loans?

At Nifty Loans, we do two main types of loans. We do small oans and we do medium secured loans. With our small loans, you can borrow between $300 and $2,000 repaid over a period of up to 6 months.

With our medium secured loans, you can borrow between $2,001 and $5,000 repaid over a period from 13 to 24 months.

How to apply with Nifty?

Our application process is 100% online and it can take only 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 applications could take days until you get a reply. Here is where Nifty Loans is different! Once your application is successful, in most cases you will receive the funds into your personal bank account the same day, at the latest overnight!

How long does it take to apply with Nifty Loans?

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

Who can apply?

The great thing about applying with Nifty is that we want to help all Aussies find the cash they need. You just need to meet our requirements that we outline below:

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • 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.
  • You have an active mobile number and email address.

Can you apply if you receive Centrelink benefits?

This is what makes a Nifty Loans different from other lenders. At Nifty Loans, we give everyone a fair chance. We do not discriminate against Centrelink recipients. We have thousands of clients who receive Centrelink. At Nifty Loans, we simply do it better.

Can we offer bad credit loans?

Yes, we do! You’re welcome to apply for cash loans for bad credit. While we do perform credit checks here at Nifty Loans, your credit rating is not the only thing we look at. We also look at your recent financial history to verify your income and spending habits. That’s because we find that this gives us a more accurate representation of your relationship with your finances.

Assessing your loan application

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

By law, we are required to get 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, your bank statements are safely delivered to us.

How much does it cost to borrow from Nifty Loans?

To find out how much it costs associated with Nifty Loans, just use our loan calculator on our homepage. Simply drag the sliders to choose how much you want to borrow, and over how long you would like to repay the loan. Our loan calculator will tell you how much your repayments are likely to be per week, fortnight or month. The interval you choose for your repayments to be will be entirely up to you. We suggest matching them to your pay cycle as we find this is the easiest way to manage your repayments.

Small unsecured loan

Our smaller loans which are amounts from $300 to $2000, that you can repay over 6 months, have an establishment fee of 20% plus monthly fees of 4%.

Medium secured loan

With our slightly larger loans, we require a security to be tied to the asset. This is for amounts between $2,001 and $5,000. Our cost structure is slightly different for these larger loans. There is an establishment fee of $400 plus additional fees up to 48% per annum, which is a comparison rate of 67.41%.

If you want to look at what your repayments will be for a different loan amount or loan term, a useful tool in our calculator at the top of the page.

The only other fee you have to be aware of is a $27.50 penalty fee for any missed payments. However, if you make all of your repayments on time you won’t have to worry about being charged this expensive penalty fee.
If you want to learn a little bit more about the allowable loans rates Australia, visit the MoneySmart Website.

How do repayments work?

After you receive your funds the next step is to start repaying your loan. The way we arrange repayments is to set up a direct debit so that your repayments come out of your account automatically on your nominated date. We usually suggest matching your payment date to your pay cycle so that you know you will always have enough to cover your repayments amounts, and can avoid being charged a penalty fee.

What are the benefits of borrowing from Nifty Loans?

What makes Nifty Loans different from all other lenders is the ethics and values we adhere to when it comes to 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 calculator to know exactly what your repayments will be and decide whether they will fit in your budget. With Nifty Loans – It’s that simple! Here is a list of the main benefits you can experience if you borrow a personal from Nifty Loans:

You will always speak to a real person!

Just because we are 100% online doesn’t mean that we aren’t real people. 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 Loans promise! Whether it’s throughout your application process, or over your loan term, we’re here to help. You can find out details here.

We do bad credit personal loans!

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

Our fees are completely transparent!

That’s right, no hidden cost or surprise fees. Everything is up front and clear, so you don’t have to worry about being charged any more than you bargained for.

You can pay your loan off early if you want to!

At any point throughout your loan term, you feel ready to repay your loan, you can. Plus, we won’t charge you early exit fees. Additionally, if you find that you need to borrow another loan, you can apply for one the very same day you finish paying off your other loan.

Questions to ask yourself before you apply

Before making any decision it’s always a good idea to weigh up the pros and cons beforehand. In doing so it’s a good idea to ask yourself a few questions. The following some questions you may want to ask yourself before you decide to borrow.

Do you need to apply for a small pick-me-up?

It’s a good idea to consider your purpose for borrowing. Is your purpose for borrowing a loan urgent? Or can it wait until a more suitable time?

Have I done a personal loan comparison?

Before you take the leap to borrow money, you may want to do a loan comparison. This means looking at what other loans out there too and make sure we are the right lenders for you!

Can I afford the repayments?

This is an important one! While we will never lend anyone more than we believe they are able to afford to repay, though it’s still important for you to make sure you are able to fit the repayments into your budget. You can do this using our loan repayment calculator at the top of the page to work out what your repayments will be. Another useful tool is Money Smart’s Budget Planner, which helps you to work out what all your expenses are in relation to your income.

Am I eligible to apply?

Before beginning an application, make sure you’re eligible. We recommend reading the “FAQ” and “Costs” sections on our Nifty Loans website which explains how to apply for a personal loan. To apply you will need a mobile phone, email address and preferably have online banking. During the 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.

In summary

You’ll find Nifty’s customer service is second to none. We consider ourselves one of the most responsible lenders in the industry. With us, you’ll find the best personal loans Australia has to offer!

Where to apply for an online loan? – Nifty Loans!
How to apply for a extra cash – refer Nifty website.
Apply for a personal loan – wherever and whenever it’s convenient for you.

So, if you need a personal loan, you’ve come to the right place. We can help you to solve a financial setback. It’s as easy as applying online, and before you know it your money is in your account. So what are you waiting for? Apply today!

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%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Personal Loan up to $5,000. We offer Fast Outcomes. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Personal Loan up to $5,000. We offer Fast Outcomes. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
quotation mark

Very good to deal with

"All through the process dealing with the loan I even rang to talk to a consultant they were very helpful. I would take another loan. The loan was not to expensive."

- Sandy


How customers rate Nifty's Personal Loans

Personal Loan up to $5,000. We offer Fast Outcomes. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans