Are You Looking To Borrow Money Online? Don’t Look Past Nifty!

borrow money
If you have ever wondered how to borrow money fast or where the best place to borrow money is? We may be able to help you out. At Nifty Loans, we pride ourselves on our fast and easy loan applications and reckon we are the best option to help you out!

What does Nifty Loans do?

We’re the best at what we do for a few reasons. Our loan applications are super easy, with application processing times averaging about 60 minutes from us receiving your application, within normal business hours. We offer both secured personal loans and unsecured personal loans. If we receive your application outside of business hours then we’ll be on it first thing the next business morning. We may request further documentation to support your application, which may lead to your application taking a bit longer for us to process. That means at Nifty Loans, you can apply right now!

If no credit checks are what you’re after, we may be able to help you out. We do conduct credit checks on all loan applications, however, credit history isn’t the only thing we look at. We don’t specifically allow you to borrow money no credit check, however, we do look at more than just your credit score. As responsible lenders, we have a set of additional rules and criteria that we use to assess your application for eligibility.

We also take into account your current financial situation, so if we can see that your recent credit history is improving we will definitely consider an application from you! All applications are subject to assessment. If you’re interested in applying for a loan but you know that you have less than stellar or bad credit, have a read of our tips on how to breeze through the application.

So, if you’re looking to apply, we can certainly offer bad credit loans! If you’re worried about your credit score, don’t be, just apply with Nifty and we’ll do our best to help.

What does it mean to apply now?

When you’re looking for quick cash, whether you need to borrow cash for bond, borrow cash against car, Nifty Loans can help with all things money!

Before you apply it is important to think about how it will affect your budget and, by extension, your lifestyle. Taking out a loan from just any lender can be expensive, especially if you don’t do your research beforehand. If you have decided that you want to go ahead with a loan application, make sure you have a look at several different companies to find one that best suits your needs.

Before you make your application it is also a great idea to estimate a quick budget for yourself to see if a loan is a financially realistic option for you. Remember that a lot of companies will perform credit checks on your file, so if your budget indicates that you probably won’t be able to afford loan repayments, there is no point getting an unnecessary enquiry on your file if you can avoid it. Unfortunately, with Nifty Loans, we don’t give our applicants the option to apply for a no credit check loan. We conduct credit checks on all our applications. However, we do look at more than just your credit score.

If your rough budget indicates that you may be able to afford repayments then go ahead and pop an application in with the company of your choice. Just remember that accepting a loan contract is a big responsibility. You’ll have to make sure that you keep up to date with your repayments and handle your financials well.

It’s not all bad though. Borrowing money can have some great positive effects as well. Not only are you getting the funds that you need to cover that unexpected expense, but if you do decide to go through with your application and repay your loan responsibly you have a chance of building yourself some great repayment history! Good repayment history may be looked upon favourably by other financial institutions. It is an indicator that you can handle your finances and responsibilities well and that you’re at a low risk to lend too. Good repayment history now can pave the way for that bigger home or car loan later.

The reasons to apply online

You could apply for many reasons, here’s just a few:

  • Cash for bond
  • Cash against car
  • Cash for travel

Whatever the reason for borrowing money, you can apply with Nifty Loans.

How do I apply online?

Borrowing money online can seem like a scary, daunting decision to make. Where do you start? Which company is best? What kind of information do they need from you? Do you have to go and find a bunch of paperwork? If you’re asking yourself these questions and want to apply online in Australia, then read on.

Our application process is 100% online and super easy. Our application form can be completed within minutes, and the best part? It won’t require you to run around trying to find that obscure and misplaced paperwork. And the other best part? You can apply from anywhere, at any time on your smartphone, computer or tablet. If you need some quick cash you can apply with Nifty Loans in a jiff.

Simply jump onto our website, let us know some key details about yourself (your name, address and income details, for example), indicate how much you would like to borrow and why and over what length of time. If you’re not too sure of repayment amounts, our online calculator will give you a good indication of how much your repayments may be.

From there we grab your bank statements through our 100% secure online banking portal. Our banking portal uses bank-level encryption to ensure your information is safe and secure. We receive read-only copies of your bank statements, at no point do staff have access to your internet banking details.

That’s it! Once you have clicked submit, your application will be sent through to us and one of our team members will aim to assess it within 60 minutes if we receive it within business hours. If you haven’t received an outcome within that time frame, don’t panic too much, we may be running a touch behind (we are human after all) or we may require further documentation from you in support of your application. Nifty Loans wants to help when you’re searching to borrow money Australia. So, if you’re looking to for quick cash loans, apply with Nifty Loans.

How much money can I borrow and how long does it take to hit my account if approved?

So, you’re wondering “how much money can I borrow?”. We offer flexible loan options anywhere from $300 all the way up to our $5,000 secured loans. If you’re approved, your funds will be released to your bank account shortly after you have signed your digital contract. If you sign your contract outside of business hours, we’ll release your funds during next business day and the latest you should receive them is overnight! The time it takes for your funds to be cleared into your account is subject to normal inter-bank processing times.

If you have any questions about our assessment criteria or funds processing times, or just want a quick chat, you are more than welcome to give our friendly customer service team a call. They’ll be able to answer any questions you may have.

We’re committed to worry-free finance

Has an unexpected expense or situation caught you short of cash recently? At Nifty Loans, we understand that those unexpected life events can and do happen. No one plans on having to apply for fast cash but sometimes there just isn’t any other alternative. But when that day does come, we want to be there to help you out. That’s why we try to make the whole process as stress-free for you as possible. If you’re looking to borrow money for bond, or to borrow money against a car, then apply with Nifty Loans for hassle-free lending.

Other mainstream lenders are notorious for leaving you buried in paperwork, but we’re different. This isn’t our style. Nifty Loans is 100% online. This allows you to easily apply anytime from your smartphone, tablet or laptop. This ensures that you won’t have to go and hunt down a whole bunch of paperwork, subsequently slowing the whole process down.

You can also take comfort in knowing that we are responsible lenders. We comply with all relevant legislation. We also have our own set of responsible assessment and lending criteria to ensure that we will always thoroughly consider your financial circumstances before approving a loan for you. Yep, that’s right, we’ll do your budget for you. Our aim here is to help you out, not put you in more of a pickle, so you can be sure that we will always follow relevant legislation to assess you for the loan product that is right for you.

Looking to borrow money now? Then apply with Nifty Loans for a quick application and fast results.

Nifty Loans has no hidden fees and no early payout costs

One of the great things about Nifty Loans is that we have no hidden fees that you have to worry about. That’s right, we pride ourselves on being totally transparent when it comes to any and all costs and fees.

We are completely upfront with all our loan costs and you can be confident that you will be provided with an outline of these fees in your contract if you are approved. Want to talk about these fees before you make an application? No problem! Just give us a call. This is one of the things that makes Nifty different from other lenders. We believe in our clients being fully informed before they make any decisions.

And to make it even better Nifty doesn’t charge early payout fees! Furthermore, we encourage you to pay your loan out early if you’re able to. The earlier you pay out your loan the more you may save on your monthly fees. With our no early payout fee guarantee, you could save yourself money in the long run. After all, helping you out of a tight fix and getting you back on your feet is what Nifty is all about.

Protecting yourself if life changes

We understand that sometimes things happen, such as sickness, car problems and so on. When life hands you those lemons, don’t fret. Just give us a quick call and we may be able to help you out quick smart. We’ll do our best to make the process as quick and painless as possible as we want to help you get back to being financially fit. Let us help you make lemonade with those lemons. So, if you are looking to borrow money no credit, then we can offer bad credit loans.

If you have been approved and you find that your repayments need to be changed, then let us know! The sooner you let us know that your circumstances have changed, the more we can do to help you. So, it’s important to let us know as soon as you possibly can. We’re here to help you in any way we can.

At the end of the day, if you want a fast way apply for cash online from a reliable, trusted and understanding company, think Nifty Cash Loans.

We are completely committed to respecting you and your situation and assessing you for a cash loan that is right for you. We consider people with bad credit, no credit or receiving Centrelink or cash advance loans. Nifty Loans is here to help.

So if you’re wondering where to apply for quick cash, give Nifty Loans a go.

Apply today!

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


"This worked out very well for me, and i appreciate the help. Very easy to pay back and happy to use this company again and recommend to other users. Thank you."

- Steph


Types of loans