Looking To Borrow Money Online Instantly?

Borrow Money Online Instantly

You can borrow online instantly with Nifty. Well, so fast it will feel almost instant. See, our application process takes just minutes to complete, and if you apply during business hours, we’ll do our best to give you a super quick response on a loan application. For personal loans of up to $5,000, apply with Nifty today!

Nifty Finance

Finding lenders who will allow you to borrow money online instantly can be tricky, especially if you want one you can trust. Nifty is a trusted name in online loans. We’ve helped thousands of happy customers get the cash they need without the fuss. We are proud to be 100% online and Australia wide. So, it doesn’t matter where you are – you could even apply to borrow money online instantly from your smartphone.

So, what does borrow money online instantly actually mean? Well, it’s simply cash you could apply for right now 100% online. At Nifty, we keep our process as streamlined and simple as possible. So, you won’t have to deal with pages and pages of paper forms. We won’t ask you a bunch of long-winded and complicated questions. At Nifty, we get straight to the point so you can get the cash you need when you need it.

Who Are We?

As we mentioned, we’ve helped heaps of people with the cash they need for a wide variety of different circumstances. We don’t just provide cash loans for emergencies, we could even provide you with the cash you need for your next holiday or cosmetic surgery procedure. Bet you didn’t know that!

At Nifty, we are proud to be giving all Aussies a fair go when it comes to borrowing cash online. We look at more than just your credit score. That means you could even borrow money online instantly bad credit. At Nifty, we think everyone deserves a second chance. We look at what makes you, you! Your current financial situation is what we are most interested in.

Our Nifty team prides themselves on transparency. That means we will always be honest with what we can deliver. At Nifty, we don’t promise approval for every applicant, however, we will promise you a fair go. You can be guaranteed that we will look at the entire picture. Our Nifty team is always here to help, so if you’ve got any questions we encourage you to get in touch.

Who Is Eligible To Apply?

We do our best to ensure application criteria is as simple as possible. At Nifty, we only require the basics. So, if you’re unsure whether or not you could be eligible to borrow money instantly online, here are our application criteria…

  • All applicants must be at least 18-years or older;
  • You must have an internet banking account;
  • Applicants must have been receiving a steady income for the last 90-days into a bank account of your own;
  • An active email address and mobile phone number is essential;
  • All applicants must be able to prove they are an Australian citizen or permanent resident.

We keep it pretty simple. However, if you do have any questions, you can always contact a member of our team.

What Documents Are Required For The Application?

We don’t ask for a lot of documentation at Nifty, just the essentials are needed to properly assess your loan application. It’s a good idea to have these handy when you’re completing your application form…

  • Your basic personal information (name, D.O.B, address etc.);
  • Online banking login details (so we can access read-only copies of your bank statements);
  • You will be asked to provide us with the reason why you are applying for a loan;
  • We will need your MyGov details (if you are receiving Centrelink benefits);

Why Do We Look At Your Bank Statements?

That’s a good question. We look at your bank statements as a way of verifying your income, spending habits and regular transactions. As we don’t just rely on your credit score, this could actually work in your favour.

There’s no need to stress over security, Nifty uses the latest in safe banking technology. That means your information is always encrypted, your passwords and personal information will never be visible. Nifty is committed to safe and responsible lending.

Employment Checks

Employment checks are a part of Nifty’s commitment to responsible lending. We always do our best to make sure we are matching you with the best possible loan product for your financial circumstances. An employment check helps us to verify that you will have the means to pay off a loan.

At Nifty, our commitment to giving all Aussies a fair go means we look at more than just your credit score. Employment checks also help us to get a better idea of the bigger picture.

You can relax knowing that our team is specially trained to make these checks. We will always be professional. We respect your privacy, that’s why we will never disclose any personal information or the reason why you are applying for a loan.

Borrow Money Online Low Interest

At Nifty, we get lots of questions regarding low-interest and no-interest loans. Nifty does not provide no-interest loans, however, we could provide you with a loan with a fair and reasonable interest rate. So, if you’re looking to borrow money online low-interest rate, then Nifty could be the lender for you.

We suggest you scroll up and use the loan calculator to input an amount and repayment period that suits you. Once you have submitted an application, our team will do their best to match you with an appropriate loan product.

How Much Could I Borrow?

Wondering how much you could borrow from Nifty? We offer small, medium and large loans. Let us explain…

Small Loans

Cash between the value of $300 and $2,000 is called a small loan. When you apply with Nifty, a small loan is unsecured. That means we do not need collateral against the loan application. A small loan with Nifty is repaid over a period of 3 to 9 months. Our team will arrange for the repayments to be directly debited from your account over this period.

Medium Loans

Medium loans can be taken out for cash between $2,001 and $4,600. The repayment period on your medium loan is between 13 and 24-months. Our team will do their best to set up a repayment schedule that is in line with your income.

Medium loan amounts, in some situations, will need to be secured. This means you may be required to attach a car, motorbike or caravan as security against the loan. Our lending team, however, will let you know.

Large Loans

$5,000 is the largest amount of cash Nifty can lend. Our team will be in touch if this is necessary. Large loans are repaid over a period of 13 to 24-months.

Large loan amounts, in most situations, will need to be secured. This means you may be required to attach a car, motorbike or caravan as security against the loan. Our lending team, however, will let you know.

If you have any questions regarding small, medium or large loans we encourage you to get in touch.

How To Borrow Money Online Quickly

Borrowing money online instantly with Nifty could be easier than you think. Our application process is 100% online. That means you can apply wherever you are and whenever you like.

We are proud to be Australia wide, that means it doesn’t matter whether your looking for cash loans Darwin or cash loans Adelaide – Nifty could have the fast money you need. So, if you’re wondering how to borrow money fast online, here’s how to apply…

Step 1: Scroll up and use our loan calculator to select a loan amount and repayment period that suits you. When you’ve done this you’ll be able to see what the repayments could be on your loan. If you’re happy, just hit ‘apply now’.

Step 2: Once you’ve decided to apply you’ll be directed to our 100% online application form. This could only take you a few minutes to complete. When you’ve submitted your form, our team will begin the assessment process. If you apply during regular AEST business hours we could even get back to you within 60 minutes.

Step 3: If your loan application is successful, we will send through an agreement. We encourage you to read this thoroughly and get in touch if you have any questions or concerns. Once we receive your signed contract we will send the money straight to your account.

Access to funds will depend on inter-bank transfer times.

So, what are you waiting for? Nifty could be the lender you’ve been searching for when it comes to borrowing money online instantly. Give us a go!

Nifty Little Loans

At Nifty, we have already helped thousands of people from all over Australia get access to the quick credit they are looking for. People have taken out a Nifty loan for all sorts of reasons. Below, are some examples of popular online search terms, as well as the loan we were able to offer.

Borrow Money Online InstantlyAmountApproved
Borrow Money Online Instantly Bad CreditAUD ($)500
How To Borrow Money Online QuicklyAUD ($)2,600
Borrow Money Instantly OnlineAUD ($)3,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Get In Contact

If you have any questions about anything you have just read, head over to our FAQs. Otherwise, you can get in contact directly via the email form on our contact us page, or call us on 1300 471 238.

Want to know more? Find out how you could get a travel loan or a reliable fast cash loan online

Why not check out how you could change your spending habits and how to avoid online scams!

We’ve even got the secret to spending the perfect amount on a gift!

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

5 star service

"I applied for a cash loan, and got approved. The money was in my account the same afternoon I applied. I can say that the people I was talking to over the phone were knowledgeable and easy to communicate with. I will definitely recommend Nifty Personal Loans to my friends."

- Shane


Types of loans