1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Welcome to the Nifty Personal Loans Blog

A fresh perspective from the new player in the finance industry
How much cash do you want?
How long do you want it for?

We will not conduct a credit check through a credit bureau.

Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
  • you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).

How do I know if I have bad credit?

Unfortunately many people are unaware that they even have a bad credit score until they apply for a loan or get rejected from a lender. Your credit score gives the lenders (who you are applying for your loan with) an indication of whether lending to you is a high,...

Power bills hike, How can we save cash?

Many people are wondering “why I can t pay my power bills when I was managing before?” Most of us have become very aware of the cost of electricity since the privatization of electrical companies. As well as the staggering and ever increasing cost of power bills in...

What does your credit score really mean?

If you are anything like most of us, you probably don’t know much about how they figure out your credit score, what your credit score is or even how to find out what your credit score is! So during this blog we are going to investigate all of these things and...

Top 10 Things to do on Public Holidays

Out public holiday’s and out of plans? Haven’t made any plans for the upcoming public holidays and need some last minute ideas? Check out what we found! Things to do locally: Check out a local lookout (like the Glasshouse mountains in Brisbane) Sign up online to...

Who Gets Short Term Personal Loans?

Who gets short term personal loans? You on Centrelink, me, Bob the cleaner, Geoff the banker, Trevor who works in the mines and even Mike the doctor – yes, everyone requires short term personal loans from time to time. Short term personal loans are for everyone,...

The Nifty Mission | Quick Personal Loans

Quick Loans The Nifty Mission. To empower every Australian in need of small amount credit with the ability to access our small personal quick loans. To process loan applications swiftly and to the complete satisfaction of our customers. To be open and frank about our...

Can I get a personal loan on Centrelink?

The short answer? YES! At Nifty Personal Loans, we’re on your side if you receive Centrelink. How much cash do you want? How long do you want it for? We will not conduct a credit check through a credit bureau. Repayments Weekly Fortnightly Monthly Apply s...

Unsecured Personal Loan

Unsecured Personal Loan vs. Secured personal loan. An Unsecured Personal Loan is where money is loaned to a qualified borrower without a form of security attached to the loan, this means the criteria for an Unsecured Personal Loan can seem tougher due to the risk...

What is Nifty?

The definition of nifty is slang to describe something that is good, smart, useful or beneficial : a generalised term of approval. First class; great: a nifty idea. Related forms: nif’ti-ly adverb Nif’ti-ness noun Nifty Personal Loans is a new force in consumer...