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Searching for 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!

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 application can be completed from the comfort of your home, within a few minutes! Don’t worry, the good news keeps coming.

What makes our 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?

Before you apply for our easy cash loans, take a look below to see if you’re eligible:

  • Must be over 18 years of age
  • Have 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
What do I need?

Once you’ve ticked off our checklist, it’s time to prepare for your application. Make sure you have all this info handy before you apply:

  • Personal info
  • Contact details
  • Reason for your easy loan
  • Bank account details
  • My Gov details (if applicable)

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, 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! From there, all that is left to do is fill out our 100% online application form.

Step two: Instant response

Once you submit your 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 money

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 money and get ready for our finance to work its magic. Access to funds is dependent on inter-bank transfer times.

Frequently Asked Questions

How do we retrieve your bank statements?

When assessing your application, we like to make the process as quick and easy as possible. Therefore, when we ask you to provide supporting documents like bank statements, we ensure this takes as little time out of your day as possible.

All you need are the login details you use for your internet banking and that’s it. Our nifty system grabs read-only copies of your bank statements and fast tracks them to your application and through to us. If you’re worried about privacy and security, rest assured we cannot access your bank account directly and your login details are encrypted, so this is not visible on the application or to us.

By getting the bank statements sent electronically, this means the application is 100% online and easy for us to read so we can get an outcome for you in record time! So pop in an application and let us show you how simple it can be!

Are there any hidden costs?

Nifty Loans believes in 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:

Medium Loans Secured $2,500 – $4,600
Large Loans Secured $5,000 – $10,000

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!

Can I apply if I have bad credit?

We believe in helping any Australian that is in 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

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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 and Twitter and also keep up to date with the latest personal finance and lifestyle trends via our blog.

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