Community Guidelines - Nifty Personal Loans

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.

Community Guidelines

We are always open to accept questions, comments, complaints and compliments on our social media and community pages. At the end of the day, our goal is to provide the best service and we are always looking for ways to improve where possible. So, if you have a point of view, tip or experience that you would like to share we highly encourage you to let us know. 

Bear in mind it is Nifty Loan’s policy to moderate or remove any content that may put either yourself or us at risk of harm. Any offending content will also be removed. This means we will moderate (and, in extreme cases, ban individual users) content that includes: swearing, threatening, bullying, trolling, abuse, indecency, defamatory remarks, harassment, personal attacks, and offensive or disrespectful language. 

We will also moderate or remove content if believe it: 

  • Is unlawful
  • Is defamatory
  • Breaches copyright or infringes any person’s intellectual property rights or privacy. 
  • Includes offensive or obscene images
  • Contains profanities or offensive statements
  • Contains a political agenda
  • Is spam or advertising

When posting on our pages we ask you to stay on topic and engage in a meaningful, relevant way.  Our online pages are ideally a place where users can join in productive conversation. We ask that users respect the following community guidelines: 

  1. Use common courtesy and be respectful of others – we won’t tolerate any discriminatory or offensive comments, or personal attacks on others. 
  2. We acknowledge criticism on our products, services and performance overall but we will not allow persistent misrepresentation of Nifty as a company, any affiliates or our staff. 
  3. Please try to keep it relevant and stay on topic. Any commentary that goes off-topic on the particular post/thread may be removed or rejected. 
  4. Our social media pages should be used as a platform for discussion and conversation and should not replace existing customer service or complaints platforms. If you do have any queries or complaints, please direct them to our contact page on our website.  

Please note that Facebook also has its own set of guidelines for posting on their site. You can find Facebook’s policies here: http://www.facebook.com/terms.

If you have any further questions regarding what can and can’t be posted on our social media pages please send us an email to info@niftypersonalloans.com.au

We don’t stop there

No matter what the occasion is, Nifty has your back.

Our Happy Customers

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.