Need a Financial Boost? Apply for a Loan With Nifty in Minutes!

apply for a loan

Are you looking to apply for a loan online? Well, look no further! Nifty Loans can provide everyday Aussies with quick and easy personal finance between $300 to $5,000. We understand that emergencies happen, situations change, and sometimes we’re just not prepared to deal with the financial repercussions. In these moments, it’s easy to feel like you’re all out of options but when life hands you those lemons – don’t stress. Let us help you get the finance you need to make those lemons into lemonade!

Why should I apply for a loan with Nifty Personal Loans?

These days, lenders are a dime a dozen – so what makes Nifty different from the rest? Well, it all comes down to our dedication to our customers. We believe in 100% transparency and open communication with our clients, so if you have any questions about your loan, feel free to chat to our team.

We will always endeavour to help you find the right financial solution to meet your situation. Applying for finance can be stressful, especially if you need it fast. That’s why we’ve optimised our application process to be as simple and efficient as possible.

While, of course, we can’t guarantee approval for every application we receive, we can guarantee a fair assessment. So, you can rest easy knowing we will always be upfront with you regarding our loans. No unnecessary paperwork. No hidden fees. Just a lender ready to give you a fair go at accessing the finance you need, when you need it!

What we offer

Nifty offers three types of personal loans which can be used to cover a wide range of expenses. Whether you need help with medical expenses, car repairs, vet bills or the like, we might be able to provide the funding you need! Here’s the basic breakdown of our three loan products:

Small$300 – $2,0003 – 6 monthsUnsecured
Medium$2,001 – $4,60013 – 24 monthsSecured
Large$5,00013 – 24 monthsSecured

It’s free to apply for a loan with Nifty, but standard fees and rates will apply should you be approved for your loan. For more details on the costs associated with our personal loans, see our costs page or get in touch!

Cash in 60 seconds!

When you borrow with Nifty Loans, we want to make your life simpler. Cut down the hassle and get straight to the point. So, when you complete an application with us, our team could have an outcome for you in as little as 60 minutes. Better yet, if you’re approved for a loan with us then we could deliver the money straight to your account in just 60 seconds*. Yes, you read that correctly! For most customers, we can have the cash in their bank in only 60 seconds once the loan contract has been signed.

Should I apply for a secured loan?

Ultimately, it depends on how much you wish to borrow. A secured personal loan requires an asset as collateral for the loan and typically allows you to borrow more money as a result. On the other hand, an unsecured loan doesn’t require security it can offer you less risk and more flexible terms. Inevitably, it just comes down to what you think will work best for you. Nifty will be upfront with all our loan costs regardless of what you choose and our friendly team are prepared to answer any questions you may have. So, just ask!

What if I’m applying for a loan on benefits?

If you are receiving regular Centrelink payments or a pension then you can still apply for a loan with Nifty! While it can be difficult for many people receiving benefits to access finance from traditional lenders – we think differently. In certain situations, we may consider your Centrelink payments as a valid form of income. The key is that they are consistent and you’ve been receiving them for at least 3 months. Even if you’re unsure whether or not your payment will be enough to meet our requirements, we encourage you to apply anyway. After all, it’s free to do so and we’re happy to take a look at your application and see if we can help in any way.

What if I’m applying for a loan with no credit?

Want to apply for a loan with no credit? No problem! Nifty takes a fresh approach to credit. Whether your credit history is good, bad, or non-existent – we can look beyond your score when assessing applications. We’re more interested in understanding your current relationship with money because we understand circumstances change. A negative report on your credit history can last as long as 7 years. In that time, your financial situation could have dramatically changed. So, we’ll look at other factors such as income and employment status when determining your approval for a loan. If you’re unsure, we encourage you to apply and we’ll do our best to help!

Will you contact my employer?

Potentially, yes. In some cases, we will need to contact your employer when investigating your employment status. No need to worry though! Nifty would never disclose your personal information or reasons for applying for a loan. Our loan specialists are highly trained and will be very discrete should they need to speak with your employer. So, you can relax safe in the knowledge that you’re in good hands!

When is the best time to apply for a loan?

Ultimately, there is no ‘best time to apply for a loan’ it all just depends on your personal situation. If you have a big financial obligation to meet then applying for personal finance might help you get on track. However, it’s important to consider your options and what will work best for you. Before applying for a loan with Nifty you may wish to weigh up your monthly outgoings and current financial commitments. By taking the time to look at your situation you’ll be able to see the impact a loan could have. If you apply for a loan online to cover urgent expenses, will you still be able to pay off your other costs?

Nifty can only offer information as a guide. We aren’t financial advisors so these may be factors you have to consider for yourself. That said, if you do have any questions regarding our loan products you can always speak to our friendly team. We will do our best to help you in whatever way we can!

I want to apply for a loan, but am I eligible?

To be eligible for a personal loan with Nifty you simply have to meet the following requirements:

  • Are you an Australian citizen or permanent resident?
  • Are you 18 years of age or older?
  • Over the last 90 days, have you received a regular income into your own personal bank account?
  • Do you have an active email address and mobile phone number?

If you can fulfil all of these requirements then you are ready to apply for a loan with us!

What information will you need for my application?

To keep our application simple and easy, we only ask for the essentials! When you’re ready to apply for a loan with us, we just ask you to keep the following information handy:

  • Personal details (e.g. online banking and employment info)
  • A reason for why you need the loan
  • Your myGov details (if you are on Centrelink)
  • Your employer’s contact details

All information we collect from applicants is highly encrypted and secure. If you are not sure why we require any of the above, check out our FAQ page or contact our team today for help.

How do I apply for a loan?

If you’d like to apply for a loan with Nifty, there are just four steps you need to take to finance! While we cannot guarantee approval for any of our loans, we can promise to do our best to find you the right solution. If you have any questions, don’t hesitate to contact our team for further clarification!

1. Submit your application

To get started, just scroll up and use our loan calculator to enter your preferred loan amount and repayment period. When you’re happy, hit the ‘apply now’ button to be directed to our full online application form. We only require you to enter a few more details to finish off your application. So, this form could take you only a few short minutes to complete!

2. Hear back from us

As soon as you submit your form, we’ll get to work while you sit back and relax. Our assessment process is highly efficient, ensuring you get an answer as soon as possible. If you submit your application during regular AEST business hours, we could even have an outcome for you in as little as 60 minutes.

3. Sign your loan contract

If your application is approved, our team will be in touch. They will send you a loan contract to read and sign before the release of funds. You must read through the agreement carefully to ensure you are aware of any fees or charges you could incur for late or failed payment. As soon as you’re happy, simply sign and send it back to us!

4. Cash in 60 seconds!*

Once we have received your signed loan agreement, the funds will be transferred to your account straight away, provided your bank has partnered with the New Payments Platform. If not, you can expect to receive your funds overnight at the latest (when signed during business hours).

Can I repay my loan early?

Yes, of course! We can make an early repayment whether you like. Nifty doesn’t charge any early payout fees, so you have nothing to worry about. You can repay your loan when you are ready, without any additional cost!

Give Nifty A Go

At the end of the day, we’re here to help you find the right loan product to meet your needs. Sometimes, we all just need a little bit of a financial boost to see us through an emergency situation or an unexpected expense. So, whether you have bad credit, no credit or you’re receiving Centrelink payments – Nifty Loans can help! Our 100% online application makes applying for finance simple and easy.

So, what are you waiting for? Give Nifty a go and apply for a loan today!

Still curious?

Still have some questions about our personal loan products? Want to learn more about finance? Nifty has what you need to know! Check out our FAQ page for answers to our most common questions or contact us directly. You can also read up on the latest in finance and lifestyle over on our blog! Read up on 7 spooky Aussie money facts this Halloween season!

*most people have their money in their bank account once they are approved and have accepted their contract within 60 seconds.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$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

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* 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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews



- Dylan


Types of loans