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.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

About Nifty Personal Loans

what does Nifty Personal Loans do?

Nifty Personal Loans is an innovative lender that utilises the latest cutting edge technology as well as years of experience in the financial services industry to deliver a short-term solution to a short-term cash flow problem to thousands of Australians.

what makes nifty personal loans different?

We believe that everyone deserves a fair go, regardless of your financial past. It can always be trusted that we’ll assess your individual situation, verify your details thoroughly and only lend you an amount you can comfortably afford to repay.

The Application Process

how does the application process work?

We take the stress out of applying for a loan. Simply submit an application online, which should take no longer than 10 minutes. The loan application is paperless and in most cases you will receive a decision within 60 mins, if you apply within normal business hours.

what do i need to get started?

Providing us with as much correct information as possible means we can give you an outcome on the application as quickly as possible. In order to get started, you will need the following information handy:

  • Your mobile phone number
  • Your email address
  • Your bank account details
  • Internet bank login details
  • Your employment details
  • Your Drivers License
how quickly do i get my money?

Once you sign your electronic contract, we release the money to your bank account if confirmed by 4:30pm AEST (during banking days). Otherwise, the payment will be processed on the next business day. Access to your money is subject to normal bank transfer times and your bank.

can i apply for a loan over the phone or in a shop?

We only accept applications online, as we are 100% online. We have made our application process as quick and easy as possible. As long as you have access to the Internet you, will be able to apply for a Nifty Personal Loan on any device.

do you conduct credit history checks?

We do perform a credit check or a formal credit enquiry. For these loans, we ensure that we only lend to customers when we know they can afford one of our loans.

how does it work if i apply outside of business hours?

Our digital application is smart, fast and very easy. This means you can still apply outside of business hours 24/7. One of our friendly operators will be back in contact with you as soon as we are back in the office. Once we are open, you should receive a response within 60 to 90 minutes.

what are the chances of approval?

Every application is assessed against our assessment matrix; we consider your income amount, income stability, loan and direct debit history, dishonour percentage etc. In short, there really is no ‘chance’ of getting approved, it is very case by case.

If an application has been unsuccessful within the past 7 days, there is a good chance the outcome will be the same.

you’ve submitted an application, what happens next?

If you have submitted an application and it is passed to our assessment team, they will conduct a full income and expenditure assessment and request any required documents (payslips, loan statements etc). From here, you should receive a decision within 60 mins (in normal business hours). So, keep your emails and phone handy, and we will be in contact with you!

bank statements

why do you ask for my bank statements?

We are required by law to obtain the past 90 days of your most recent bank statements. We use these both as a form of identification and a platform to assess your financial suitability.

why do you ask for my online banking details?

We access your recent bank statements through our trusted partners, who use the same technology used by a number of other financial services companies. This means you can avoid all the messy and time consuming work of getting your bank statements to us. It is not possible for anyone at Nifty Finance to see or access your online banking password.

fees & repayments

what costs are involved?

We charge competitive fees for our Nifty Personal Loans. The normal fees involved for one of our loans are;

  • A monthly fee of 4%
  • An establishment fee of 20%

If you do not make the repayments on your loan, other fees may apply. For more information on the costs of a Nifty Personal Loan, please see our costs page.

how do i make repayments?

Repayments are made by direct debit in line with your pay cycle. This takes the hassle out of making repayments as the money is automatically deducted from your account when you are paid.

what other fees may be charged?

If you do not make the repayments set out in your contract there may be other fees charged. You may be charged a default fee of $27.50 for each repayment that you do not make as per your repayment schedule.

how much does it cost to pay out my loan early?

There are no extra costs to pay out your loan early! In fact, paying out your loan early may save you money on monthly fees!

what if i cannot repay on the repayment due date?

If you can’t make a repayment, you should contact us straight away. Our friendly customer service team will be happy to discuss your situation.

what if i am experiencing financial hardship?

We understand your circumstances may change after taking out a loan. If you are experiencing financial hardship, you should contact us immediately, and we may be able to vary your contract. Contact 1300 471 328 or email us hardship@

have you recently changed direct debit providers?

Yes. Nifty Personal Loans have recently switched payment providers. You may notice Direct Debits with details of SQUAREPAY 500298 on your bank statement.

contacting nifty

how can i contact nifty?

You can contact us using the details on the contact us page.

what if i have a complaint?

Should you not be satisfied with the service you have received, please let us know. For more information on how we manage complaints, please see our dispute resolution policy.

existing nifty customers

how quickly can i apply for another loan?

You can apply for a loan at any time. We will assess each loan application to make sure it will be suitable for you in line with our responsible lending obligations.

Do you have a login portal or members area?

We don’t have a login portal or app, but we are working on it. In the meantime, if you need information about your account, such as statements or balances, you can contact us through our contact us page.

How can I request a statement and other documents?

If you need information about your account, such as statements or balances, you can contact us through our contact us page.