Borrow Money | $300 - $5,000 | Speedy Approval | Apply Today!

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.

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

Need to borrow money now? If you have ever wondered how to borrow money fast or where the best place to borrow money is? You’ve come to the right place. At Nifty Loans, we pride ourselves on our fast and easy loan applications. If you’re looking for a fast, reliable and safe way to borrow money, you could apply with Nifty today. 

Borrow Money

Who are we?

Nifty; we’re the online lender shaking up the game. We’re one of the best at what we do for a few reasons. Our loan applications are super easy and fast. We offer both secured personal loans and unsecured personal loans for a variety of different circumstances.

The best part is Nifty is an open-minded lender. That means we will look at where you are with your finances now, rather than focusing on the past. Wondering where can you borrow money with bad credit? 

Borrow money fast with Nifty!

If you are trying to borrow money without a credit check, we may still 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 with 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. At Nifty, we think we are the best way to borrow money with bad credit.

How to borrow money fast?

When you’re looking for quick cash, whether you need to borrow cash for bond or borrow cash against a car, Nifty Loans could be able to help with all things money! Here is how to borrow money fast: 

Apply online 

Head to the loan calculator at the top of the page and select your desired loan amount and the period of time you would like to repay it over.

Fill out the form 

We will need to grab some important info from you so our team can conduct a thorough assessment. Nifty’s 100% online application could only take a few short minutes to complete. Why not get started right now?

We assess your application 

Once the Nifty team receives your online application we’ll get going on our assessment. If you’ve applied during AEST business hours you could even hear back from us in just 60 minutes. 

Sign your contract

If your application is successful our team will send over an agreement for you to review and sign. Read through your contract and make sure you are aware of the full terms and conditions. You can get in touch with our team if you have questions. 

Get your cash

As soon as the Nifty team receives a signed copy of our agreement we will deposit the cash straight into your account. If your individual bank is NPP or Osko enabled you could have the cash in your account and ready to use in just 60 seconds.   

What to consider when searching for a lender before you borrow money?

How will a loan impact my lifestyle?

Before you apply it is important to think about how it will affect your budget and 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 consider whether or not you will be able to sustain the repayments. 

Are the repayments realistic for me?

Before you start 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, you might need to reconsider. 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.

Are there any positives of borrowing money?

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 repay your loan responsibly you could build 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. 

What can I borrow money online for?

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

  • Cash for bond
  • Car registration
  • Cash for travel
  • White goods
  • Home renovations

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

How much money can I borrow?

So, you’re wondering ‘how much money can I borrow?’ At Nifty, we offer flexible loan options anywhere from $300 all the way up to our $5,000. Our loans come in three main types.

Small Loans$300 – $2,000No security
Medium Loans$2,100 – $4,600Can have security
Large Loans$5,000Security Recommended

Wondering how quickly you could have the cash in your account? The good news is if your individual bank account is NPP or Osko enabled you could have the cash in your account and ready to use in just 60 seconds.

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 renovations or to borrow money against a car, then apply with Nifty Loans for hassle-free lending.

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

Responsible lending 

You can also take comfort in knowing that we are responsible lenders. At Nifty, 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.

No hidden fees and no early payout costs

When you apply with Nifty, you won’t have to worry about hidden fees or early payout charges, they will always be listed in your contract. That’s right, we pride ourselves on being totally transparent when it comes to any and all costs and fees. Want to talk about these fees before you make an application? No problem! Just get in touch with the Nifty team. Nifty is different from other lenders. We believe in our clients being fully informed before they make any decisions.

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 off 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. Getting you back on your feet is what Nifty is all about.

Protecting yourself if life changes

We understand that sometimes life throws a curveball. 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. 

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.

Think Nifty

At the end of the day, if you want a fast way to 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!

Find out more on 24/7 instant cash loans for bad credit with Nifty Loans!

Are You Looking To Borrow Money Online Fast? Don’t Look Past Nifty! Overall rating: ★★★★★ 4.6 based on 232 reviews
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Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts: $300 - $2,000
Terms: 6 - 9 months
Establishment fee: 20%
Monthly Fee: 4%
APR: N / A *
Comparison Rate: 138.37%**
View Example

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
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts: $2,001 - $4,600
Terms: 9 - 24 months
Establishment fee: $400
Monthly Fee: $0
APR: 47.8%
Comparison Rate: 65.86%**
View Example

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
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan Example

Loan amounts: $5,000
Terms: 18 months,
(78 weekly repayments)
Establishment fee and Total Interest: $1,897.54
Total payable: $6,897.54
Weekly installments: $88.43
View Loan Details
* 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.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts: $300 - $2,000
Terms: 6 - 9 months
Establishment fee: 20%
Monthly Fee: 4%
APR: N / A *
Comparison Rate: 138.37%**
View Example

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
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts: $2,001 - $4,600
Terms: 9 - 24 months
Establishment fee: $400
Monthly Fee: $0
APR: 47.8%
Comparison Rate: 65.86%**
View Example

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
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan Example

Loan amounts: $5,000
Terms: 18 months,
(78 weekly repayments)
Establishment fee and 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.