What is Nifty Personal Loans? | Fast Loans up to $10,000

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I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

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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.

What is Nifty?

Nifty? What does that actually mean?

The word nifty is used as slang to describe something that is good, smart, useful or beneficial: a generalised term of approval. First class; great: a nifty idea.

Well who are they then? Go on, tell us!

Nifty Personal Loans is a new force in consumer credit. Like our name suggests, we’re all about quality. If you need a small and fast loan, Nifty will process it fast and efficiently because Nifty is a real life lender. We’re totally online so you can access us from anywhere on any device at any time.

What makes Nifty so different from the other small amount credit providers? Well, for a start, we’re youthful. So many of the other lenders are stuck in the old ways of thinking in terms of their speed and the kind of service they deliver. Nifty on the other hand are the new kids on the block and we know how our clients think and what they want.

If you need money fast and have all the credentials, have a look at the some of the different types of loans Nifty have to offer:

What are small loans?

Nifty offer small loans with a value starting from $500 venturing up to $2000. Our small personal loans are unsecured and can be paid off over a period up to 12 months. At Nifty, we like to make things super straightforward for you. So, you get the choose a repayment plan that suits you! You can pay weekly, fortnightly or monthly. The choice is yours!

What are medium loans?

Our medium sized loans are valued between $2100 – $4600. The repayment period for this loan category is any time between 9 – 24 months. We recommend that you to attach this loan to equity, such as a car, caravan or boat.

What are large loans?

Nifty also offer large loans with a value up to $10,000. Though it’s not mandatory, we recommend you secure this loan by attaching it to some equity. The repayment period for a large loan is also 9 – 24 months.

Are there loans for unemployed people?

We like to give every Aussie the chance to get a loan. That’s why we offer a personal loan for those that are unemployed. In order to get an unemployed loan, you will need to be receiving funds from Centrelink. Our personal loans are between $500 and $10,000. If you choose to take an unsecured loan, the amount can not exceed $2,000 and it must be paid off within 12 months. Secured loans of more than $2,000 have extended repayment periods between 9 and 24 months.

What are bad credit loans?

Bad credit scores are offered to those with lower than average credit scores. Nifty will assess your eligibility by looking at your current expenses. If it is found that you are consistently managing your money well and meeting your financial obligations, you may still be approved, even with a lower than average credit score.

How do I get easy loans?

Don’t you love that feeling when you’ve got into a kerfuffle about something you need to do and then it gets resolved way smoother than you had anticipated. Well that’s what it’s like getting one of our loans. Our fast and easy application can be done online in a matter of minutes.

If you send off an application during our business hours, which are Monday-Thursday, 8AM to 5PM and Friday, 8AM – 4PM, you can expect to hear from us within the hour. Just remember that we are 100% online with our applications, but if you have any questions or would rather go over things with one of our team, please don’t hesitate to call in! We’re here to help!

What are unsecured personal loans?

Our unsecured loans do not require a security to be attached to the loan. Essentially, this means that you are still able to apply for an unsecured loan even if you do not own a vehicle or any other form of eligible asset.
Our unsecured loans start from $500 and go up to $2,000 with a repayment period between 3 and 12 months. Due to the increased risk to the lender, unsecured loans can have stricter criteria as opposed to our secured loans.

What are secured personal loans?

Secured personal loans require the attachment of an asset, something like a car or motorbike would be perfect. These loans start at $2,100 and go up to $10,000 with a repayment period between 9 and 24 months. As mentioned previously, the criteria for secured loans can often be more lenient than an unsecured loan as the risk to the lender is reduced.
On the other hand, however, if a secured loan is defaulted on, the lender has the right to then repossess any asset attached. This will need to be considered before submitting an application.

The list goes on. Nifty have it all when it comes to lending. They work tirelessly to find the right loan for the right people. If you’ve read this far and still feel like you haven’t found what you are looking for, then your best bet is to get in touch with us either over the phone or via email. You can find our contact details here.

Who is eligible?

At Nifty, we believe that every Aussie should get a fair chance. However, there are a few requirements that we need you to have before you can start your application:

  • 18 years old or over
  • An Australian Citizen or permanent resident
  • Evidence of income for at least the last 90 days
  • Contact details including email and mobile number

To make your application that much simpler, collate the following information as you will be required to provide it:

  • Personal information
  • Reason for the loan
  • Internet banking information
  • MyGov account details

If you meet the above criteria, then why not go ahead and apply today! You can find our loan calculator at the top of each Nifty webpage. You can use that to select a plan that suits you. Then all that’s left to do is click Apply Now!

Responsible lending

A loan is a written agreement between a lender and a borrower that consists of the amount borrowed and the repayment plan.

At Nifty, we only provide loans to people who we know are capable of repaying. We carefully assess your financial situation and use our experience to match you with the right loan plan for you.

At Nifty, we stand out from other traditional lenders and we’re proud of it! We are a lending service that you can trust. You can rest assured we comply with all the responsible lending regulations. So, if you’re feeling concerned about sharing your information or not being able to find the right plan for you, don’t worry! All of your information will be securely stored and you’ll only be offered a loan contract that we’re sure you can handle.

How Do I Apply?

Step One: Complete your online application

To kick off your application, start by entering the amount you are looking to borrow and for how long. You can do this on our loan calculator that can be found at the top of each Nifty Loans webpage. You will also get to choose how you would like to make each repayment, whether it be each week, fortnight or month. Once you’re happy with your loan terms, then go ahead and click the Apply button. You’ll then be transferred to the next page of the online application form based on the selections you have made.

Step Two: Your conditional approval

Your personal details will then be reviewed to see if they meet the criteria of the loan you have requested. You will then be notified whether or not you have been conditionally approved before we can start assessing your application.

Step Three: We assess your application

We are at the forefront of the latest and safest online banking technology. We get access to secure read-only copies of your statements at the snap of a finger. Be prepared for a speedy response to your application.

We are committed to responsible lending, therefore our lending team might need to conduct an employment check. There is nothing to worry about though, our team is experienced and trained in speaking to employers. We understand the importance of confidentiality and can, therefore, assure your personal information will not be disclosed at any point during the assessment.

Step Four: Pocket your cash!

Nifty cash loans application process is designed to get you the money you need as fast as possible. If you’re approved on your application, we will send you an offer. All that’s left for you to do, if you’re happy with how everything looks, is to sign your contract. Then it’s time for us to transfer you your funds! If you apply during our business hours, you could receive your funds the same day (provided your return your contract during business hours). If not, you’ll receive your money no later than 24 hours from the time of your application.

Nifty can help!

If you’re looking for nifty cash loans, look no further! We pride ourselves on being a one-stop-shop here to help you mend your finances whatever the situation. Find out some of the more specialised loans that we offer at Nifty, like our vet bills and pet finance loans for when your fluffy friend accidentally swallows their new toy. Get the treatment your little friend deserves without having to worry about the costs until they’re feeling better!

Speak with us

We love hearing from new friends about their experience with Nifty Loans. So, please don’t hesitate to leave a review or contact us to tell us how things went!

All feel like information overload? Our FAQ page might be able to answer some of your queries. If not, remember that you can always call in and speak to one of our friendly team who can help guide you through everything (remember to call within our business hours). You can reach them on 1300 471 328 or drop a message here.

Want more news from Nifty? Awesome! Follow us on Facebook, Twitter and Instagram and don’t forget to check out our blog for the latest on personal finances, lifestyle and travel.

Want to read more? Find out how you could travel far with fast money from Nifty: https://www.niftypersonalloans.com.au/fast-loans/fast-money-loans/

Want to know what your credit score really means? Nifty has the low down.

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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 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:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

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

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.