Fast Easy Personal Loans Online

We understand that life doesn’t always go according to plan. Get fast easy loans online with Nifty Loans, a reliable lender that wants to provide Aussies with a fair go at whatever you’re aiming for! From emergency car repairs to a home renovation to your next holiday, fast and easy loans online are well within your reach.

With loans ranging from $300-$5,000, cover whatever expense is needed to get you to your next step in life, take care of an unexpected bill, or finally go on that much- needed holiday. Use our above online cash calculator to determine your loan amount and how much time you need to pay it back.

Nifty Loans prides itself on responsible lending with no hidden fees. We are also more lenient that many traditional lenders, because we want to help Australians succeed. Check out the Nifty blog to read some success stories, check out the Costs page to see our up-front fees, or Contact us with any questions you may have.

Convenient Short-Term Loan Solutions

From small to medium credit amounts, we provide a quick solution for short-term loans. As an innovative lender, we use years of experience in the financial services industry to deliver loans, even for clients with a history of bad credit.

Our simple 3-step paperless process allows you to apply for and receive funds without having to make appointments or adjust your schedule. Our goal is to help you get fast easy personal loans online, so you can get back to your life.

You could have your loan approval in as little as 60 minutes during normal business hours, and your funds will be deposited in your account the same day or overnight when accepted by close of business.

Nifty offers fast easy online loans from $300 to $5,000. The repayment period is 3 to 6 months for small loans, and 13 to 24 months for medium or large loans. Our dedicated team of personal loan specialists.

Questions? Contact us for inquiries about your fast easy cash loans online.

Get Fast Easy Loans Online with Nifty Personal Loans

As a reliable lender, we offer Australian citizens and permanent residents access to fast easy cash loans online. Since our application is 100% online, Nifty offers a paperwork-free application process, quick outcomes, and high levels of customer service.

Whether it’s an emergency or just something to help make your life easier, we do our best to provide fast easy loans online for anything life may throw at you. Medical emergencies or unexpected bills may occur at any time, and our quick loan turnaround can be a light at the end of the tunnel. A white goods loan offers a helping hand when your appliances make your life less convenient, and a home renovation or major repair can do the same. Don’t miss out on memories with family and friends – take that trip!

Some reasons our clients get personal loans include:

  • Emergency car repairs
  • Dental work
  • Unexpected bills
  • Home renovation or repairs
  • White goods – Dishwasher or washing machine
  • Travel opportunities
  • Family vacations
  • Weddings

Why Choose Nifty Personal Loans?

  • 100% Online – Apply from anywhere, from a mobile or computer
  • Loan approvals in 60 minutes (during business hours)
  • Fast cash after approval – Up to one business day!
  • Loans up to $5,000
  • Lenient with bad credit

Our loan application process is 100% online, so you can avoid waiting for appointments and paperwork. Apply at your convenience from your mobile or computer and you could get an outcome in as little as 60 minutes (during business hours)! Your loan will be deposited in your bank account, often on the same day as your approval. There’s no better way to get fast, easy personal loans online.

Worried about your past history of bad credit? The team at Nifty Loans believes that everyone deserves a fair go, regardless of your financial past. We do credit checks, but we look at more than just your credit score. The experienced Nifty loan specialists take a look at your current relationship with money, not just your past history, so fast easy cash loans are within your reach. We always assess your individual situation, verify your details, and lend you an amount you can comfortably afford to repay.

So don’t worry about bad credit scores! We’ll help you find a solution that works.

How Does the Nifty Loans Application Process Work?

There’s really just one step to getting fast easy cash loans online. With a 100% online application process, there’s no need to interrupt your life with endless meetings and document filing. Just fill out the application with a few details (contact information, reason for loan, etc.) and our team will get to work processing your results. If we need any additional information, we’ll contact you by phone or email.

We do perform credit checks, but don’t let that deter you from applying. Our team of personal loan experts ensures your loan size is appropriate for your needs and is an amount you can reasonably pay back, but keep in mind that we are more lenient than traditional lenders. Don’t let your past get in the way of your future! We look at your current finances, not your past bad credit history.

Your bank statements from at least the last 90 days will be required during this stage. We want you to be successful, and this is a crucial step in the process.

Next Steps

The team at Nifty is dedicated to responsible lending. Before borrowing, we have you complete a short checklist about your finances and reason for needing a loan. We want you to examine all of your options and make a responsible choice before committing to a personal loan with us.

If you decide to go through with the loan application and your loan is approved during normal business hours, we will send out your funds the same day.

And it just gets easier from there! After you sign your loan contract, we’ll set up your automatic loan repayment system. Using the latest in safe banking technology, we set up a direct debit from your selected bank account. Your repayments will be automatically debited on the due date, eliminating the hassle of setting up payments or mailing any paperwork. No reminders necessary. It really is as simple as that!

Apply online today to get your fast, easy personal loans online! Have cash in hand by the next business day.

Nifty Loan Requirements

Don’t worry, it’s not complicated! Our requirements are as simple as our application process. The necessary requirements for an online loan are as follows:

  • Applicants must be 18+ years old
  • Australian citizen or permanent resident
  • Regular income for 3+ months deposited in a personal bank account
  • Active mobile number and email address provided

To apply for a loan, you’ll need to provide your contact details (mobile number and email address). We also need to know the reason for your loan. Some common reasons include emergency car repairs, dental work, unexpected bills, home repair or renovation, or upcoming holiday. Occasionally clients will apply for a loan for a large event, such as a wedding, anniversary, or family reunion or holiday.

Internet Banking

We will need to take a look at your bank statements to ensure your income and spending habits suit the loan you have applied for. To do this, we typically ask for you to submit your internet bank login details so that we may retrieve read-only copies of your banking statements. For medium or large personal loans, we may also require a vehicle (car, motorbike, boat, caravan) as security.

So what’s stopping you from getting fast easy loans online? Use our personal loan repayment calculator to see your estimated repayment cost. Apply for your fast easy loans online without interrupting your normal routine, and get some money in the bank today!

Fast Easy Loans Online – Which Size is Right for Me?

Nifty offers three different types of loans. These differ in amount, and also in a few other ways.

Loan TypeLoan Amount
Small Loans$2,000 or less
Medium Loans$2,100 – $4,600
Large Loans$5,000

Each type is designed for a different situation, so each has different costs and fee structures.

Applicants should be aware that there may be added charges to their account when payments are late or not paid in full. All applicable fees will be displayed on your loan contract. Nifty Loans prides itself on transparency, so there won’t be any costly surprises later on.

For more information, please visit the Costs page, where you can find examples and breakdowns of the different types of loans online.

Still not sure fast easy loans online are the right solution for you? Chat with us online. Or, read our reviews!

What should I have on hand for my personal loan application?

We know you’re always short on time, so here’s what you’ll need to complete your loan application:

  • Contact details – Mobile number and email address
  • Reason for loan
  • Bank account information – Account numbers and online banking passwords
  • MyGov details
  • Employment information

Time is money, so please have all of this information on hand before you start your application. Then sit back and wait for your outcome! We’ll contact you by phone or email if we need anything else.

Well On Your Way To Success

Want to learn more? We cover a range of topics on our site including everything from pension loans to micro business loans. Check out the Nifty Loans blog, where we discuss a range of lifestyle and finance topics.

If you’d like to share your success story, follow us on Facebook, Instagram, Twitter, or Pinterest and leave us a comment or review!


The Nifty Loans team is committed to providing valuable online customer service to provide you with fast easy loans online.

If you have unanswered questions about our services, you can visit the FAQs page at any time and see if your answer is waiting for you.

If you have any remaining questions about our fast loans service, don’t hesitate to contact our team at, or give them a call at 1300 471 328. We’re always happy to help, whatever step of the process you’re in. Remember that the Nifty Loans specialists are here to help, and to ensure that getting fast, easy loans online is the right choice for you.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

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

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

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

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Awesome customer support.

"Astonishing and simple to use. Awesome customer support. I will recommend nifty to everyone!"

- Sharon


Types of loans