Andrew Bell - Nifty Personal Loans
Andy Andy

Managing Director Bio:
Andrew Bell

Andrew Bell is the Managing Director of Nifty Personal Loans and the ASIC approved Responsible Manager for Nifty Loans' credit licence. He holds a Bachelor's degree in Business Management from the University of Queensland and began his career in finance by landing a graduate position within a large financial company.

Prior to starting Nifty, Bell worked his way up in a finance and lending business. There he advanced through several roles in loan assessment, collections, marketing, legal compliance, systems development, and more.

This work ultimately opened his eyes to the potential for a personal finance business of Nifty's calibre. Changing times in the finance sector had left lenders to become set in their ways and he could see so many opportunities to innovate and improve on services, without bloating the consumer costs with big overheads. Ultimately, Nifty was born out of this desire to do more with less, and do better.

Nifty Loans began with just 2 employees offering loans up to $1,000. Yet, within just a few years time, it had grown into a thriving small enterprise. At the heart of the company’s success has been its bespoke lending platform tailored specifically to its requirements.

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. He has been listed as one of Australia’s Top 100 Entrepreneurs by Business News Australia and was recently a finalist for the Brisbane Young Entrepreneur Awards.

Learn more about Andrew

Australian FinTech

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Australian Broker

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Business News Australia

Australia's Top 100 Young Entrepreneurs: 71-80

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News Maker

Backing local talent to build the Australian FinTech sector

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Startup SODA

Personal finance comparison fintech giants move down under

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PDG.Agency

Anticipating Customer’s Needs and Finding Opportunities to Innovate

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.