Consumer Loans | $300 to $5,000 | 100% Online | 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.

Looking For A Reliable Lender To Provide A Consumer Loan? Nifty Has You Covered

Looking For A Reliable Lender To Provide A Consumer Loan

 

Have you been searching the web for a reliable lender to provide you with a consumer loan? Well, look no further – you’ve struck gold. Nifty could provide you with a consumer finance loan today – without the stress. Our application process is 100% online and super simple to use and navigate.

We can assist you with the cash you need right now. Just apply in minutes using our online application. Our team aims to have a decision for you within 60 minutes of application (during business hours). You could even have the cash in your account by the end of the day. If you’re looking for a trustworthy lender, apply now with Nifty Personal Loans.

You might be surprised. Nifty could provide you with a travel loan, cosmetic surgery loans, funeral loans, even loans for relocating!

Who Are We?

Nifty is your local Aussie lender. We believe everyone deserves a fair go when it comes to fast consumer loans. We provide happy customers with fast cash on a daily basis. Our goal is to make the process streamlined. In a fast-paced society, not many of us have time to sit around and wait. At Nifty, we get that. We think consumer loans should be fast and painless. That’s why we have revolutionised the process. You can apply 100% online now and could even have a decision within the hour.

Nifty has assisted lots of Aussies in finding consumer loan services. Why should you have to go it alone? We know the world of personal loans can be confusing. That’s why we are here to help. We like to make the process as simple as possible. That means no fuss and no long waiting periods. If you have a question, just shoot us a message at info@niftypersonalloans.com.au. We will do our best to get back to you as soon as possible.

Why Trust Us

We pride ourselves on honesty as well as transparency. We know that lenders can make large claims, however more often than not, fall very short. At Nifty, we will only promise what we can actually deliver. We are always upfront about any fees and charges before you sign your contract. That means there are no nasty surprises. Due to the fact that we are 100% online, we encourage you to contact us at any time with your questions. We will always do our best to get back to you as quickly as we can.

When you choose Nifty for an online consumer loan you can be confident in the fact that what you see if what you get. Not only do we believe in speedy cash but we have a fresh approach on bad credit. At Nifty, we prefer to take a look at the whole picture. We look at your current relationship with money and prefer to focus on the future – rather than dwelling on the past. We think you deserve a fair go.

What Is A Consumer Loan?

Are you a little confused as to what a consumer loan actually is? Don’t sweat it. A consumer loan is basically just an amount of money lent to cover a variety of different expenses. These expenses could include home renovations, holidays, car finance or even cosmetic surgery. A consumer loan can also be used for emergency expenses such as dental or medical costs.

If you’re looking for a fair go at a consumer loan then you have definitely come to the right place. At Nifty, you can be guaranteed a fair go when it comes to consumer loan services. Regardless of where you are or what you are doing, you can apply for a consumer finance loan with Nifty. The process is just so simple. All we need from you is a few basic details and you could be on your way to approval.

What Can I Use A Consumer Loan For?

‘What is a consumer loan used for’, you might be asking. Well, to make things nice and simple, here are some examples:

Online Consumer Loans For Dental Emergencies

Root canals, fillings, extractions, braces, dentures – we all know too well how pricey they can be. When the dentist hands you the quote for a dental emergency, reach for your phone – you could apply for up to $5,000 cash with Nifty finance on the spot. At Nifty, we are experts when it comes to a tight financial bind. We understand that most of the time you don’t have the cash just lying around. Besides, how were you supposed to know braces would be so expensive? Don’t freak out, let Nifty do the hard work. You don’t need to blow the budget. We’ve got flexible finance solutions to suit your lifestyle.

Consumer Loan Services For Holiday Expenses

Yes, at Nifty you can take out a consumer loan to cover your holiday expenses. Many of our applicants are unaware that consumer loans can be used for purposes outside emergencies. If you’ve been dreaming of heading off to Europe this summer; or maybe you’d like to take your family to Fiji, or maybe you’d just like to head away for a romantic getaway – whatever it may be, Nifty could get you there.

Complete our online application in just a few minutes and with speedy outcomes, you could be on your way sooner than you think. So, why let finance stand in the way of living your best life. You can even choose a repayment period that will suit your lifestyle. At Nifty, we love that we are super flexible and we think our clients do too.

Consumer Finance Loans For Medical Expenses

If you’ve been forced to spend an extended period of time in the hospital lately you probably know how expensive it can be… especially if you don’t have health insurance. The good news is, you don’t have to go it alone. You could get up to $5,000 cash to take care of medical expenses with Nifty Personal Loans.

When you’re unwell the last thing you want to worry about it money. But, with Nifty Loans, you could apply for a consumer finance loan on your phone in minutes. You could even have a decision within 60 minutes of application (during business hours. Talk about speed and convenience.

Online Consumer Loans For White Goods

If you’re in the process of renovating you will probably understand how expensive white goods can be. If you’ve spent all your cash on the structural side of things but forgot to factor in the appliances, you could apply for an online consumer loan with Nifty.

It’s super simple and user-friendly. At Nifty, we like to make things as easy as we can. That’s why our application process could only take you a few short minutes. Don’t fall short at the last hurdle. Get the white goods to match your amazing new kitchen. Apply today and you could be approved within the hour (depending on when you apply and whether we require any extra info to assess your application).

What Type of Consumer Loan Can I Apply For?

There are three different consumer loan categories. They are all different and it is important to know what is going to suit your individual situation. The world of personal loans can be difficult to navigate, so, we’ve given you the low down on small, medium and large consumer loans:

Small Loans

Small loans are loans taken out between the values of $300 to $2,000 with repayments terms of between 6 and 9 months. At Jacaranda, small loans are unsecured, this means they do not require equity. Perfect if you do not own a car, boat, caravan or motorbike.

Medium Loans

Medium loans can be taken out for amounts between $2,001 and $4,600. You can repay a medium loan over a period of 9 to 24 months. Although it is not mandatory, we do suggest you attach equity to a medium loan. Equity could be a caravan, car, motorbike or boat.

Large Loans

A large loan can be taken out for up to $5,000. Large loans are also repaid over a 9 to 24 month period. We definitely recommend providing equity to attach to large loan, however, it is not always essential.

Before You Go Ahead And Apply

Before you apply for a consumer finance loan with Nifty, we recommend you do your research. It is extremely important to remember that everyone’s situation is different. We encourage all of our applicants to read their agreement and be aware of any fees or charges they could incur if payment is made late or not at all.

At Nifty, we are dedicated to transparency so there is no need to stress. We will always make sure the terms and conditions of your loan agreement are very clear before you sign anything. We are always here to answer your questions. So, feel free to shoot us through any enquiries at info@niftypersonalloans.com.au. We will always do our best to get back to you as soon as possible.

Who Can Apply?

Pretty much anyone, really. Just tick off these basic requirements before you apply:

  • Be at least 18 years or older
  • Have an internet banking account
  • You have been receiving a steady income for the last 90 days into a bank account of your own
  • You have an active email address and mobile phone number
  • Be an Australian citizen or permanent resident

We think we do a pretty good job of keeping things as simple as possible. So, if you’ve been thinking about applying for a consumer loan, there is no time like the present.

Give Nifty A Go

The process couldn’t be more simple if we tried. Our 100% online services are streamlined so that you don’t have to waste any time at all. We cannot guarantee approval, but we can guarantee you a fair go when it comes to consumer loans. We are proud to be completely different from traditional lenders. Our positive fresh take on consumer finance loans has left us with many successful loans and happy customers. So, if you’re considering applying for consumer loan services, let Nifty take care of you.

How Do I Apply

We have made our application process as simple as possible and 100% online for your convenience. We don’t want to waste your time. So, just follow these three steps to apply for a fast cash loan:

Step 1

Just scroll up to find our loan calculator and get started by selecting an amount and repayment period that suit your lifestyle. We can then show you the weekly, fortnightly and monthly repayments on your loan.

Step 2

If you’ve chosen to ‘apply now’ then you will be directed to our super fast application form. This could only take you a few minutes to complete – we only need a few of the essential details to start the application approval process.

Step 3

If you are approved for a cash loan with Nifty Personal Loans we will send you over a contract to review and sign. Nifty recommends that you read through the contract and ask us any questions that you might have. We are always here to help. Once we receive the agreement back from you we will transfer the cash to your account. Access to funds is subject to inter-bank transfer times.

Simple and stress-free – that’s how we like it. So, let Nifty see what we can do for you today. Convenient cash, without the hassle. That’s Nifty.

We Work For You

Have a look at what we’ve already done for lots of happy Aussies

Consumer Loans Online Amount Approved
Instant Cash Online For Bad Credit AUD ($)800
Consumer Loans Online Today AUD ($)2,700
Fast Consumer Loans AUD ($)4,000

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.

Want to read more? Find out about how you could get a loan for a Fiji family holiday! You could even get a bad credit loan.

Looking For A Reliable Lender To Provide A Consumer Loan? Nifty Has You Covered Overall rating: ★★★★★ 4.6 based on 232 reviews
5 1

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.