How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

Want to borrow money online? Don’t look past Nifty!

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. 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.

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. 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 improve your chances of approval.

What does it mean to borrow money?

Before you borrow money 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. If this is the case, you may have other options such as asking a family member for a small loan or using your savings.

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 credit history! Good repayment history will be looked upon favourably by other financial institutions. It shows that you can handle your finances and responsibilities well and that you’re a low risk to lend too. Good credit and repayment history now can pave the way for that bigger home or car loan later.

How do I borrow money 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, then read on.

Our application process is 100% online and super easy. Our application form should take no more than 10 minutes of your time. 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.

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 banking portal. Our secure banking portal does not store any of your information, so once those statements have come through to us all your details are erased.

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.

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 $4,600 secured loans, where you borrow money against a vehicle. 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 first thing 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 interbank 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. And yes, we promise that you will always speak to a real person! There are no robots here at Nifty Loans.

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 borrow money 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.

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.

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 will save on your monthly fees. With our no early payout fee guarantee, you’ll 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 getting sick or losing your job. So, when life hands you those lemons, don’t fret. Just give us a quick call and we’ll be able to help you out quick smart. We’ll 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.

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.

So, at the end of the day, if you want a fast way to borrow money 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 borrow money from, give Nifty Loans a go.

Apply today!

Who is this product for? Australian citizens looking to borrow money online for the short term.
Eligibility Be 18 years of age. Have a regular source of income. Be a permanent Australian resident.
What are the repayment terms? Repayment terms will vary depending on each applicant’s agreement but will be up to 24 months.
Available Loan types Fixed Term Loan
Lender Nifty Personal Loans

who can apply?

Looking for a loan? You can apply with us if:

  • You must be at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You must be receiving a regular income of at least $400 per week or $800 per fortnight into a personal bank account for at least 3 months. This income includes Centrelink income as well.
  • You will need an active mobile number and email address as this will be how we get in touch with you in regards to your application and outcome.

who can apply?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

How customers rate Nifty’s Borrow Money

plf Overall rating: 4.4 out of 5 based on 55 reviews.

Borrow money with Nifty

5 5 1
Love them have been nothing but help!! The loans are great with affordable repayments it has really helped us will use them again! Have also recommended them to family and friends

I would definitely borrow money again!

5 5 1
Very easy to apply, very fast service and friendly staff! Will recommend to other people the repayments are affordable i found the online application was basic not too much information needed.

Very good to deal with

5 5 1
All through the process dealing with the loan I even rang to talk to a consultant they were very helpful. I would take another loan.The loan was not too expensive.

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