Consolidation Loans | Debt Consolidation Personal Loans

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For loans over $5,000 we recommend utilising your car as security.

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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.

Do You Need a Consolidation Loan?

Lucky for our applicants, applying for a low-cost consolidation loan with Nifty couldn’t be easier. We are 100% online. So, you could even complete the application for a complete debt consolidation loan in the comfort of your own home. Our team does their very best to get back to you within 60-minutes of application (if you apply during regular AEST business hours). You could even have the cash in your account by the end of the day! Consolidation loans involve gathering existing debts into one easy to manage personal loan. Therefore, instead of having multiple repayments and interest rates to manage, you will only have one. Nifty could provide an easy loan today!

Consolidation Loans With Nifty

Have you been on the hunt for a reliable lender? At Nifty, we understand that the world of consolidation loans can be tricky and confusing. There’s plenty of lenders out there who claim to be able to provide the best online consolidation loans on the market – but which one will really suit your needs?

So, when you need a fast debt consolidation loan from a reliable lender you could apply with Nifty – because what you see is what you get. No tricks and no unexpected fees or charges. Just complete debt consolidation loans 100% online!

Wondering what debt consolidation involves? Debt consolidation could mean that all existing credit card debts, loans and liabilities are gathered together and combined into one personal loan. This can make the debts easier to manage as they are all in one place and under one regular repayment. With a Nifty Loan, you could look to consolidate your credit card debts, personal loans, smaller debts and even your car loan into one easy to manage repayment.

Why Choose Nifty?

At Nifty, we don’t promise anything that we can not deliver. We know there is a lot of competition out there who claim to provide the best online consolidation loans on the market. Nifty is a trustworthy lender – we stick by our word. Our team believes in 100% transparency when it comes to personal loans. So, you can rest easy knowing that your safe with Nifty.

We think the best part is our 100% online application process. At Nifty, we don’t do complicated questionnaires with pages and pages of questions to answer. Our online application form could be completed in a matter of minutes because we only deal with the essentials.

So, if you’ve got a few supporting documents with you, applying should be speedy and uncomplicated. If you’ve been thinking about applying for a complete consolidation loan then Nifty could be the perfect match. If you’re unsure as to whether or not you could be approved for a consolidation loan our team encourages to just apply.

An application could only take you a few minutes and we could have an answer for you within 60 minutes*. What have you got to lose? If you do have any questions regarding the process, however, give us a shout – the Nifty lending team is always here to answer your questions.

What Is A Consolidation Loan?

So, what actually is a consolidation loan? If you’ve never heard this term before then let us make it really simple. A debt consolidation loan is essentially the combining of small debts into one bigger repayment. Instead of multiple repayments being due at different times throughout the week/ fortnight/ month, a consolidation loan will merge all of these payments into one regular amount.

Having lots of different repayments can be confusing and complicated. It can be difficult to remember when to have what amount of money in your account to make a direct debit. Often, this is when late or failed payment fees start to snowball and debts begins to get out of hand. You don’t have to let it get to this point.

With a consolidation loan from Nifty, you could have the cash you need to consolidate your debts. The good news is you don’t have to wait. All you need to do is scroll up to the top of the page and use the loan calculator to select an amount and repayment period. Once you’ve completed our 100% online application form you could even have the cash in your account by the end of the day!*

*This will depend entirely on your individual banking circumstances.

What Are The Options When It Comes To Consolidation Loans?

You might be wondering what your options are when it comes to fast debt consolidation loans. At Nifty, we offer three different types of loans. These are small, medium and large personal loans:

Small Consolidation Loans

If you’re looking for a small amount of cash to consolidate your debts then Nifty might be able to help. We offer small loans between $300 and $2,000. Our repayment period for this type of loan is 6 to 12-months.

At Nifty, small loans are unsecured. What does this mean? Well, you won’t need to attach any collateral to your loan application. Good news if you don’t own a car, motorbike, caravan or boat.

It should also be noted that there are some restrictions to the type of debt this loan can consolidate. For example, small consolidation loans with Nifty cannot be used to consolidate other small loans. If you have any queries, feel free to contact us.

Medium Consolidation Loans

A medium consolidation loan from Nifty could assist you to consolidate a debt between $2,001 and $4,600. The repayment period on a medium loan is 9 to 24-months.

Medium loans may, in certain situations, require collateral to be attached as security. The repayments for a medium loan will be directly debited from your account as per the agreed-upon loan repayment schedule.

Large Consolidation Loans

A large loan could assist you to consolidate debt of up to $10,000. With Nifty, large loans are repaid over a period of 9 to 24-months. That means our lending team will directly debit the repayments from your account over this period – super simple! It may be necessary to attach security against the loan. No stress – our team will always keep you in the loop!

Something To Remember…

Before you apply for a loan it is essential to remember to ensure the loan that you are applying for is correct for your individual circumstances. After all, every person is different and every financial situation is different. We strongly encourage all of our applicants to read over their agreement and make sure it will suit their lifestyle. It is the responsibility of the loan applicant to make sure they are aware of any fees and charges that could occur if payment is missed or made late.

At Nifty, we are committed to transparency. That means we will always be upfront about fees and charges in your loan agreement. Our lending team is always here to answer any questions you might have regarding your loan agreement. So, get in touch and fire away!

Who Is Eligible To Apply For A Consolidation Loan?

At Nifty, we like to keep things as simple as possible and it’s the same with our application criteria. We only deal with the essentials. So, if you can meet the following criteria you could scroll up to the top of the page and apply today!

  • All applicants must be at least 18-years of age;
  • Have an internet banking account;
  • Applicants must have been receiving a steady income for the last 90-days into a bank account of your own;
  • An active email address and mobile phone number must be set up;

At Nifty, we do our best at making the process as simple as possible. So, if you’re considering applying for a consolidation loan to make your life a little easier why not let Nifty simplify the application process for you? We may even be able to help you if you have bad credit!

What Documentation Will I Need To Apply?

In order to process your application, we will need a few details from you. So, here’s what you should have handy whilst you’re completing our 100% online application form…

  • Your basic personal information (name, D.O.B, address etc.);
  • Online banking login details (so we can access read-only copies of your bank statements);
  • You will be asked to provide us with the reason why you are applying for a loan;
  • We will need your MyGov details (if you are receiving Centrelink benefits);

Straight To The Point…

At Nifty, we believe that when it comes to loan applications the simpler the better! Unlike traditional lenders, Nifty avoids unnecessary questions. Our application process is 100% online, which means no paper forms. So, you can apply for a consolidation loan wherever you are and whenever you like!

We do our best to get back to you with an answer as soon as possible of. You can be absolutely guaranteed that our lending team will do their best to match you with a loan product to suit your individual circumstances. So, if you’re looking for a lender to provide a fast debt consolidation loan, then Nifty could be the lender you’ve been searching for.

Our team is always here to answer your questions – so, get in touch!

How To Apply For A Fast Debt Consolidation Loan Today…

So, why not apply now for, what we think, are the best online consolidation loans around! What have you got to lose? So, here’s how you apply…

Step 1

Scroll up to the top of the page and use our low-cost consolidation loan calculator to select an amount and repayment period for your loan application. You will then be able to see what the weekly, fortnightly and monthly repayments could be on that loan amount. If you’re happy, you can hit ‘apply now’.

Step 2

‘Apply now’ will send you straight to our 100% online application form. This form could only take you a few minutes to complete. We won’t ask you any long-winded or overly complicated questions. At Nifty, we get straight to the point.

Step 3

That’s all we need from you! Once you’ve submitted your application form our team will do the hard work. We will review and assess your application and get back to you as soon as possible. This could even be within 60-minutes if you apply during regular business hours.*

Step 4

If your application for good credit consolidation loans is successful we’ll get back to you with an agreement. It is essential that you read over our agreement and make sure it is going to suit your lifestyle and individual circumstances. We don’t keep anything a secret. So, all of the possible fees and charges that you could incur will be clearly outlined in your contract.

Once we receive your signed contract our lending team will schedule your funds for transfer. Access to funds is subject to inter-bank transfer times. However, depending on your circumstance, the money could be in your account on the same day!

*If you apply during regular AEST business hours.

Nifty Loans Australia

We’re proud of the fact we’ve helped Aussies from all over Australia get their debt under control. Below are some examples of the consolidation loans we’ve been able to approve for everyday Australians:

Consolidation Loans Amount Approved
Good credit consolidation loans AUD ($)3,000
Low-cost consolidation loans AUD ($)2,100
Fast debt consolidation loans AUD ($)2,500

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Get In Contact

If you have any further questions, find your answers in our FAQs. Otherwise, send us an email via the form on our contact us page.

Want to read more? Find out how you could get a travel loan, quick approval loan, small loan, fast money loan, or even an emergency loan!


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Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
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Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
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Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.