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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

Cash Loans from $300 to $4,600. 100% online, 60 minute approval. Apply Now!

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.

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;
  • You must have an active mobile number and email address;
  • 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.).

What is a cash loan?

A cash loan is a fast approval loan processed within 60 minutes.

Usually for a customer who is wanting to borrow money instantly for a short, fixed amount of time.

Most loans are from $300 to $4,600 and are repaid between 3-24 months.

At Nifty we understand that life doesn’t always go as planned and sometimes life’s mystery’s can easily turn into nightmares, we don’t think you should be penalized for this we want to help.

If you don’t have enough money in your bank cash account to cover the expense of a broken down car, electricity bill or phone bill or even that unexpected trip to see a sick loved one – have you considered fast cash loans?

Nifty personal loans are 100% online! Yes or No approval within 60 minutes! All you need to do is complete our 4 minute application form and you are on your way to solving your money problems.

Once approved we pay you fast!

Once your online contract is accepted we will transfer the money to your bank account instantly.

A Nifty personal loan is easier on the pocket than you’d expect!

Because Nifty cares about you and no business is too small for us!

We will go out of our way to ensure that you are getting the loan you need – for the amount that best suits your situation.

Also, unlike the slow processing bank application process our loans can be approved in 60 minutes!

I’m looking for a online loan but I’m not sure which one is right for me?

No problem look no further we can help you with that!

Nifty provide small amount short term loans, so all we need for you to do is jump online and fill out our quick application form to start your cash advance account.

This usually takes customers around 4 minutes, once you have done that then our customer service representatives will begin processing your loan and your on your way to solving your money problems!

Why Choose Nifty loans?

No face to face meetings – there is no need for you to leave your home or office to apply for a Nifty cash loan it is all 100% online!

All you need is a regular income and you can apply!

Do you perform credit checks on your customers as a part of your loan process?

Yes!

We however request 90 day’s worth of bank statements (these can be accessed quickly through your online bank, no fuss!), this helps us establish your income etc.

I’m looking for a loan but have bad credit in the past, do you accept bad credit loans?

Here at Nifty we believe that your credit history should stay in the past.

We understand that from time to time regular Australians may fall on hard times or have unfortunate circumstances and we don’t think you should be punished for this!

Can I still apply for a loan if I am receiving Centrelink payments?

Yes!

A Centrelink payment is considered as ‘regular income’ so as long as you are receiving a regular income, then you will be eligible for a cash loan.

How do I repay my Cash loans?

Well that couldn’t be easier!

Once your cash loans have been approved we will set your loan repayment via a direct debit which will come straight out of your account on a nominated day

No fuss whatsoever! No need to remember when your repayment is due it’s automatically done for you!

Once your cash loans have been repaid your direct debit will be automatically stopped.

It’s that easy!

What should I consider when thinking about getting quick cash loans?

Is this product right for you?

What are the repayment options?

Who is this product for? Individuals looking for a cash loan
To be eligible for a cash loan you must meet these requirements: You need to: 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 generally range from 3-6 months.
Available Loan types Fixed Term Loan
Lender Nifty Personal Loans

How does a Nifty cash loan work?

Nifty fast cash loans are between $300 to $4,600.

Here at Nifty we understand the significance of instant cash loans and that life doesn’t always allow for planning.

We are leaders in our field at offering solutions for life’s little speed bumps that the big banks don’t want to know about.

We’re fast, we’re fair and we’re here for you when you need us to help you get back your financial stability and success!

Start your partnership with Nifty NOW!

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $300 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 3 months to Maximum 6 months.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK

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Loan Amounts: Minimum $2,001 to Maximum $4,600.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 13 months to Maximum 24 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty Loans?

plf Overall rating: 4.3 out of 5 based on 52 reviews.

Amazing service helped me so much

★★★★★
5 5 1
I can't believe how much you guys have helped me with my finances as I was short of funds. I can't say enough about the service you guys go out of your way to help people and I am so grateful I found you website will be recommending your service to everyone. Keep up the great service.

Wonderful

★★★★☆
4 5 1
It was wonderful to do the loan so easy and fast return. In the bank the next day. Will differently be doing another loan though them in the near future.

Very good to deal with

★★★★☆
4 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 to expensive.
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