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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Apply for a Personal Loan up to $5,000 Anytime, Anywhere – With Nifty!

Why apply for a personal loan?

Sometimes money is tight and the cash flow is running low or you struggle to stay on top of your finances. This is when you can apply for a personal loan with Nifty Loans. Give yourself some breathing space and cover those urgent costs quickly! 

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

Personal Loan

What is a personal loan?

A personal loan is a fixed amount of money , often repaid over a fixed amount of time. You can get a personal loan from a bank, credit union or online lender. Personal loans can either be secured or unsecured. A personal loan is money you can spend on nearly any personal expense. At Nifty, we provide a wide range of personal finance that vary in size and loan term. Still unsure about the differences between personal loans? Then Read on!

Fixed amount and line of credit

One  main difference between personal loans is if they are fixed amounts or  lines of credit, which impacts how you get the money and how and what you repay. A fixed amount loan is a specific sum of money that is often repaid over a fixed and agreed term. A line of credit is a revolving account that lets borrowers draw, repay and redraw from available funds.

Personal loan costs – variable vs fixed interest rates

Most personal loans have interest rates attached to the amount you borrow. A fixed interest rate stays the same for the entire borrowing period while variable interest rates change over time. Borrowers who prefer predictable payments generally choose fixed rate loans, as they won’t change in cost.

However, fixed interest rates are almost always higher than variable rates at the time the loan is originated. A fixed rate may also be less flexible than a variable loan rate, limiting additional repayment options and excluding the option to redraw. 

What are secured and unsecured personal loans?

Secured Personal Loans

With secured personal loans you will need to provide collateral for security for the loan. This could be any vehicle, such as your car, motorbike or boat. A secured loan means less risk for the lender, which enables you to potentially borrow a larger sum. Be aware though, if you are unable to afford the repayments of your secured personal loan, the lender can take possession of your asset to cover the costs of the loan. 

Unsecured Loans

Unsecured loans don’t require any security. However, you can usually only borrow a smaller amount of money with an unsecured loan. Nifty’s small, unsecured loans range between $300 and $2,000.

What loan types does Nifty offer?

Nifty’s personal loans are divided into three different amounts:

  • Small personal loans;
  • Medium personal loans and;
  • Large personal loans.

Our small personal loans range from $300 to $2,100 and are unsecured. Medium loans range from $2,101 to $4,600 and large loans are $5,000. Medium and large loans are secured. 

Personal loans can be used for a variety of expenses. Some examples of what Nifty’s personal loans can cover include car repairs, rental bonds or even medical expenses. You can apply through our online form for a quick, fast and affordable loan solution. Nifty can help you with personal finance up to $5,000 with a maximum loan term of 24 months.

Niftys also offers different loans with a range of great features:

How do the repayments work?

After you receive your funds the next step is to start repaying your loan. Our  personal loans are usually paid back over an agreed period of time. The way we arrange repayments is to set up a direct debit so that your payments come out of your nominated bank account automatically on an agreed date. 

You can use our loan calculator at the top of the page to get an estimate of how much your repayments could be. Simply select ‘personal loan’ and drag the sliders to indicate how much you want to borrow, and for how long. You’ll then be able to see what the weekly, fortnightly or monthly repayments could be. 

Ultimately, how frequently you’d like to make your repayments is entirely up to you. However, we suggest matching them to your pay cycle as we find this is the easiest way to manage your repayments. 

Nifty Loans for small, medium and big expenses 

Regardless of what you need your personal loan for, Nifty is here for you. We could cover any expense starting from $300 up to $5,000. Here is a list of popular expenses Nifty could help you with: 

Small Personal LoansMedium Personal LoansLarge Personal Loans
Medical LoansCar Repair LoansDebt Consolidation Loans
White Goods LoansDental LoansHome Improvement Loans
Car Rego LoansTravel LoansEducation Expenses Loans

Other small or large expenses you can think of? Just state it in your application and you’re good to go! Nifty can cover a range of costs so don’t stress if it didn’t make our list.

Do you conduct credit checks?

As part of our responsible lending, we do perform credit checks. However, don’t let that deter you from applying with us if you have bad credit. Our team looks at more than just your credit score. Nifty has a different approach to credit scores.

We look at your current relationship with money and your current financial situation to see if you can afford to repay your loan as well. 

 What you need to apply

During the application process, you will need to provide some general information in order for us to get to know you better. In addition, there are just a few things you will need to have handy before you go ahead and apply for a personal loan

You will need:

  • A personal  bank account
  • Internet banking details
  • Personal contact details e.g. mobile number and email address
  • The reason for your loan
  • MyGov details (if applicable)
  • Employment info
  • Identification and personal details 
  • Income details

Any information you provide us with is treated with the highest confidentially and protected by strict privacy laws.

How to apply with Nifty?

Before beginning an application, make sure you’re eligible. We recommend reading the FAQ and Costs sections on our website which explain how to apply for a personal loan

Step 1: Apply online

Simply scroll up on your phone or laptop to start our application. When you scroll up you’ll find our loan calculator tool. Select how much you wish to borrow and for how long. You’ll see an example of your repayments, and you can decide whether to make your repayments weekly, fortnightly or monthly. Once you are happy with your proposed loan terms, click the ‘Apply’ button and you’ll be taken straight to the rest of your application. Simply fill out a few more details, then click submit! Congrats, you’ve applied, and it only took minutes.

Step 2: We assess your application

After you submit your application, our team gets to work assessing your application. If you apply during business hours, we aim to assess your application within the hour; however, that will depend on whether we need any more info from you. Don’t worry – if we do, then we’ll let you know via text or email.

Step 3: We deliver an outcome

Once our team has assessed your application, we’ll let you know whether you’re approved. If you’re approved, we’ll send you an electronic contract to review, sign and send back. Then, we’ll transfer your funds straight away! Of course, the delivery of your new cash is subject to who you bank with.

The final step in our personal loan application process is to provide us with the necessary documents so we can assess your application. 

Traditional applications could take days until you get a reply. Here is where Nifty is different! Applying with Nifty only takes a few minutes and we are able to notify most applicants of the outcome within an hour of receiving an application (during normal business hours). Once your application is successful, you could receive the funds into your personal bank in only 60 seconds if you have an NPP enabled bank account. If not, you’ll receive your funds at the latest overnight!

Who can apply?

The great thing about applying with Nifty is knowing that we assess every application fair, regardless of who you are or if you have a not-so-perfect credit score. We want to help all Aussies find the personal loan they need. You just need to meet the requirements that we have outlined below. 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.

Why choose Nifty Loans?

We can offer bad credit loans

You’re welcome to apply for cash loans for bad credit. While we do perform credit checks, 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. We won’t judge you solely by your credit score, you can trust us to give you the fair go you deserve.

Personal loan for Centrelink customers

This is what makes Nifty different from other money lenders. At Nifty, we give everyone a fair chance. We do not discriminate against Centrelink recipients. We have hundreds of clients who receive Centrelink. At Nifty, we could look at your Centrelink income as an income to repay your loan. However, as responsible lenders, we do require Centrelink benefits to be received into a personal bank account, regularly. 

Nifty is transparent and has affordable loan products

Nifty has affordable and competitive loan products in the industry of online lenders. Our loan terms start at 6 months, making weekly repayments for our loans often smaller than some of our competitors. Just for full disclosure, some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have. More, 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.

Furthermore, if you want to learn a little bit more about the allowable loans rates in Australia, visit the MoneySmart Website.

Nifty is different – in a good way!

What makes Nifty different from 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! Another benefit you can experience if you borrow a personal from Nifty, is you will always speak to a real person! Just because we are 100% online doesn’t mean that we aren’t real people. Whether it’s throughout your application process, or over your loan term, we’re here to help. 

You can find out details here.

No hidden costs or early payout fees

With Nifty, you don’t have to worry about additional, unexpected costs of your loan. All the costs and fees associated with your loan are clearly outlined in your contact if you’re approved. In addition, you can pay your personal loan off early if you want to! We won’t charge you any 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.

Nifty adhere to responsible lending practices

Nifty always has the customers best interest in mind. 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.

Ready to apply for a personal loan?

You can apply for a personal loan wherever and whenever it’s convenient for you. With our streamlined online application process, your application could be assessed within an hour if you apply during business hours. With Nifty, you get a personal loan fast – no fuss, no paperwork, just Nifty Loans!

Questions about our loan products or services? You’ll find Nifty’s customer service is second to none. We consider ourselves one of the most responsible lenders in the industry. 

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!

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Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
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Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
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Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
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Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
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Loan amount:
6 Months, (24 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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* 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.