Easy Loans Up To $5,000 | Quick applications | That's Nifty

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.*

*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.*

*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 Something Simple? We offer Easy Loans!

Most things in life are rarely easy. Like when you’ve just finished at the self-checkout and you realised you’ve scanned one item through twice. Or your furry friend swallows a battery on the day of your important work presentation. We have a perfect picture in our minds, however, it rarely comes to fruition. The picture is blurred by bills and those pesky unexpected expenses. Nifty understands sometimes you need a little extra cash, and that can be us! We believe that every Australian who is searching for easy loans should have the opportunity to apply. So, if you’re searching for something easy, we may be a match made in heaven!

easy loans

Firstly, let’s introduce ourselves

We are Nifty Loans, an online loan service company. Yep, you read that correctly, a loan service that is 100% online. No need to leave the comfort of your warm pyjamas to apply for the finance you need.

Our service is fast, easy and hassle-free.

Remember those days when you would leave work early to hike to the bank, only to wait in a fruitless line? Well, with our online service, you can say goodbye to those days for good.

At the core of our loan service, we want to give you a loan experience that is hassle-free, not fraught with roadblocks. We have simplified our system by investing in the latest in safe banking technology that works to save your time. You may be thinking “how quick is this loan service?” how about an application that is fast and to the point? That’s right. Our easy loans Australia application can be completed from the comfort of your home, within a few minutes! Don’t worry, the good news keeps coming.

What makes easy loans so…easy?

Firstly, the Nifty Loans experience begins once you open your computer or mobile browser. Once you reach our website, you can have a completed application within a few minutes. Then take a moment to relax whilst we assess your application, most applicants receive an outcome within the hour (during business hours). If you’re approved, we’ve already scheduled your funds to be transferred into your account. That’s what makes our loans easy and hassle-free.

Like everything in life, sometimes our system can make mistakes. That’s why we have our loan specialists on hand to help you through any problems you may run into. We may be 100% online, however, that doesn’t mean we don’t have a cracker of a loan team behind your screens. So, you have any questions, just contact us!

Who is eligible for easy loans?

Now that we’ve told you how easy our loan service is, it’s time to show you. Before you begin your application, we want to equip you with all the information you need to create a problem-free experience. Furthermore, before you apply for easy cash loans, take a look at our handy checklist to see if you’re eligible:

  • Must be over 18 years of age
  • Have an Australian citizenship or permanent residency
  • Be receiving a regular income into a personal account for the last 90 days
  • Have an active mobile number and email address

And that’s it! Just four little requirements. We provide these requirements to prevent disappointment if you apply without being eligible.

Nifty top tip: Loan applications can sit on your credit report, and may impact your credit score. So, only apply for easy loans if you meet these basic requirements.

How to prepare for your easy loans application

Once you’ve ticked off our checklist, it’s time to prepare for your application. Our application form is already speedy. However, to take it to maximum capacity, have all this info handy before you apply:

  • Name and address
  • Reason for your easy loan
  • Bank account details
  • My Gov details (if applicable)

With all this information handy, your application will just fly by. You may be wondering, “why do you need my bank account details?” We’ve all been taught to be wary of passing on our bank details to an online entity, however, we are the exception. We use the latest in safe banking technologies to access a read-only copy of your bank statements and expenses. Using the info from your bank account, we assess whether you are suitable for our easy loans.

How do I apply?

Now you are fully prepared to apply for applications. To help you along with your speedy application, here are four steps to follow:

Step one: Apply online

To jump-start your application, start with our loan calculator. Located at the top of each web page, our loan calculator helps you design the perfect easy loan for you. To begin, select the amount you wish to borrow and for how long. Then, decide whether you want to repay your loan weekly, fortnightly or monthly. Once you are happy with your loan terms, click the Apply button! Congratulations, you’ve already started your application!

From there, all that is left to do is fill out our 100% online application form. Our application process is absolutely paperwork free! Say goodbye to photocopying mountains of forms, and embrace our easy finance.

Step two: Instant response

Once you submit your easy cash loans application, we will send you a conditional approval if you check off all the minimum requirements. After you receive conditional approval, we will work towards assessing your application for a finalised outcome. So, whilst you are crushing those candies, keep a keen eye on your notifications, as we will text and email you if we need extra info for your application.

Step three: Assessing your application

Now, you can close your computer, sit back and relax with a soothing cup of tea, whilst we do all the work! Whilst we are assessing your application, we adhere to responsible lending practices. We don’t approve an application if you cannot afford to repay the loan. Furthermore, we care about our clients and don’t want to see them fall into unmanageable debt.

Step four: Collect your Moolah!

If your application is approved and the loan contract is signed, we begin the process of transferring your funds into your personal bank account. Simply check your bank account for your moolah and get ready for our finance to work its magic. Access to funds is dependent on inter-bank transfer times.

Follow these 4 simple steps and you’ll be on your way to quick finance! We aim for a quick application and fast approval, so you can get back to what you do best. So, why not apply for quick easy loans today?

Are there any hidden costs?

Nifty Loans believes that a professional relationship requires 100% honesty. That’s why we are completely transparent when it comes to costs and our payable charges and fees associated with your loan will be outlined in your loan contract. We adhere to responsible lending practices and that means being upfront about all our costs. If you would like some examples of our standard fees and costs for the following loans, you can find this at the bottom of the page:

Small Loans Unsecured$300 – $2,000
Medium Loans Secured$2,100 – $4,600
Large LoansSecured$5,000

Some loan types may have other payable fees and charges. If you miss a payment or default on your contract, there may be additional fees that apply. All additional fees and charges will be clearly outlined in your loan contract. If you aren’t sure about what charges your loan carries with it, please don’t hesitate to get in contact with our friendly team.

How easy are loan repayments?

Yes, you guessed it! Our fast loans are also easy. At Nifty, we have eliminated the need to set hundreds of reminders to repay your loan. Instead, we use the latest in safe banking technology to set up a direct debit transfer from your nominated bank account. It’s all automatic! Theoretically, you could be sipping cocktails in the Bahamas and not spare a thought about your upcoming loan repayment. Isn’t that the dream?

After the recent Facebook privacy scandal, we understand that you may be extra careful with your data. However, have no fear, we will treat your data with respect and care. Unless authorised by you, we will not share your information with anyone. Your privacy is important to us.

Can I apply if I have bad credit?

We believe in helping any Australian that is need of quick finance. Struggled with bad credit? We can help! We can be more lenient than traditional lenders, however, we do still perform credit checks. Don’t let that deter you from applying if you have poor credit.

When our loan specialists assess applications, they give the process the ‘human touch’. We don’t simply run your application through a computer and decline it based on poor credit. We dig deeper.

So, if you’re sick of being knocked back, apply with Nifty Loans and see if we can help!

Can I apply if I am receiving Centrelink payments?

If you’re receiving Centrelink payments you may be knocked back by traditional lenders – that’s where Nifty comes in! What makes Nifty’s approach different, you may ask? Well, we treat most Centrelink payments as a regular income! If you’ve been receiving the payments for three months, then it’s classed as income.

The Nifty Difference

As you’ve probably gathered, Nifty stands apart from traditional lenders. Our finance comes in a myriad of forms including:

And the list could go on!

In addition, unlike other lenders, we don’t charge an early exit fee on our easy loans. If you repay your loan off early, congratulations to you! You can celebrate being debt-free and also save on your repayments.

Let’s be friends

So, why wait to experience our fast and easy loan service if you need finance? The answer? Don’t wait! And if you have any questions throughout your loan process, our specialists are always on hand for a chat on 1300 471 328 or pop them a message.

Of course, our specialists require necessary beauty sleep, so if you apply outside of business hours, expect a response within 2 hours of the next business day.

You may be experiencing information overload, but don’t worry if you have unanswered questions about our service, you can head to the FAQs page at any time and see if your answer is waiting for you.

Want more of Nifty? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

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Loan Costs

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
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
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
* 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.