Fast Loans | Speedy Cash Loans from $2,100 to $15,000
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

Get the cash you need, fast

When life takes an unexpected turn and you need quick cash, you don’t have time to waste. Whether your car has broken down or you’re facing unexpected bills, the last thing you want to deal with is long waiting times or stacks of paperwork. Fortunately, this is where Nifty Loans can help.

We are one of the fastest lenders in Australia. We strive to deliver our outcomes on the same day* and, once approved, you could receive your cash in your bank account in just 60-seconds**.

Let Nifty lend a hand

Nifty Loans specialises in quick and easy short-term loans online. We operate 100% online across Australia, meaning you can apply for $2,100 to $15,000 anywhere, any time. We are proudly Australian owned and operated. Our dedicated loan specialists work with hundreds of Aussies every day to find the best loan for their needs. Whether you have good or poor credit, apply for a fast loan with Nifty Loans for a fair go.

Am I eligible?
  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have internet banking
  • Have an active email address and mobile phone number
  • Have had a consistent income for the last 90 days
What do I need to apply?
  • Personal details (name, address, D.O.B.)
  • 100 points of ID
  • The reason for your loan
  • Internet banking details
  • Employment details and contact info

Our Happy Customers

What can I use my fast loan for?

Our fast cash loans can be used for almost anything. Here are some of the common reasons people apply for a fast personal loan:

Dental bills

What’s more scary than a dentist appointment? The bill afterwards! Let Nifty take the stress out of paying your dental bills.

White goods

Has your fridge or washing machine broken down? Don’t stress! Get a Nifty fast loan to help cover the costs.


Whether you want to relax at the beach or go on a skiing adventure, Nifty can lend you the money.

Car registration

Time to renew your car registration? A fast loan can help pay your car rego.


Want to spruce up your bathroom or kitchen? Allow us to help fund your home improvements.

Car repairs

Let us take the stress out of paying for your car repair.

Got questions about our fast loans?

Want to know more about fast loans? Find out the answers to some of the most frequently asked questions we get!

What is a fast loan?

A fast loan is a personal loan that you can access quickly without the hassle of visiting a bank or waiting days for an outcome. We all know that a pesky car rego or insurance bill can crop up when you least expect it. Applying for a fast cash loan could be just what you need to help tie up those loose ends.

Our loans are designed to assist you when life throws a curveball your way. At Nifty, we offer fast easy loans from $2,100 to $15,000, with the repayment period depending on what you borrow. You can submit an application in minutes, have an outcome on the same day*, and receive money in your bank account in just 60 seconds**. Simply scroll up and use our loan calculator to get started today!

Will you check my credit score?

As a responsible lender, we must make reasonable enquiries to ensure a personal loan is suitable for our customers. In line with this, we may conduct a credit check. If you have a bad credit history, don’t fret! We are also inclusive lenders, which means we will always give you a fair go.

Can I get a fast loan if I have bad credit?

At Nifty, we are proud to be giving all Aussies a fair go when they’re looking for fast personal loans today. If you have bad credit, there’s no need to stress. We’ve provided thousands of everyday Aussies with bad credit loans. We look at your current financial situation and other factors to determine if you can reasonably manage your loan repayments.

How do you assess my loan application?

Once you submit an application, our loan processing engine will extract read-only copies of, at least, the 90 days of your bank statements. This will help us verify your income and determine whether you can reasonably manage a loan. If we approve your application, we’ll send through a loan contract for you to read and sign. From here, you can choose to either accept or decline the offer, it’s up to you!

What are the fees and charges?

The fees and charges applicable to your personal loan will depend on the amount borrowed and your credit history. Before entering into a loan agreement, a credit guide detailing all of the fees and charges will be available for you to look at. Some of the fees and charges you might expect include interest charges, establishment fees, monthly fees, and late fees (if applicable).