Are you looking for a super fast personal loan? Then Apply Now for a Nifty Fast personal loan! We are 100% online!

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(%)

What is a fast personal loan?

Sometimes it’s hard to sift through all the different loans and lenders and it can become overwhelming. Well let those worries go because here at Nifty Personal Loans we pride ourselves on customer service excellence.

Our friendly customer service operators are here to answer your questions and concerns at any time. We understand that sometimes in life unexpected things happen that can catch you off guard financially and from time to time some Australians may need a hand up. That’s where Nifty comes in, we offer one of the fastest loan services in the country and we are all based right here in Australia. A Nifty fast personal loan is a loan between $300-$4,600 repaid within 9-24 weeks.

What is instant approval?

So what is instant approval? You hear this term quite often these days “instant approval” but what does it really mean? Well here at Nifty an instant approval is a yes or no answer on receiving your completed application form instantly. We don’t like fuss so here at Nifty one of our key goals is to get you that critical yes or no answer straight away. Once you have your approval we can have the funds transferred to your account within 60 minutes!

How do you apply for a fast personal loan online?

It couldn’t be easier to apply for a Nifty fast personal loan online! All you need is an internet capable device. That means you can apply and have your loan approved from the comfort of your own home or office! Now that’s Nifty!

How do I get a fast personal loan with Nifty?

Once you have all those box’s ticked then we can move onto the easy 4 minutes online application process!

If you bank with the Commonwealth Bank you will have the money in minutes!

Can I get a fast personal loan while I’m on Centrelink?

Absolutley! As long as you are receiving at least $400 a week or $800 a fortnight into a personal bank account, you are eligible to apply for a fast personal loan with Nifty!

Do you do credit checks?

Yes! We understand that sometimes things happen in life that might put you in a difficult position or there may just be an amazing deal you want to take advantage of. Either way Nifty is here to help, we won’t treat you like a number or a liability like some lenders. All we ask for is 90 days worth of bank statements which can be obtained by you online in seconds! That’s a Nifty loan!

Do you require a registered interest in my assets?

Not if you apply for a loan of less than $2,000 – We don’t register an interest on your home so there’s no need to worry. A fast personal loan is a short term, no credit check as basis for approval, 100% online loan. So what are you waiting for? Jump online and APPLY NOW! for a Nifty fast personal loan, your solution to your finance problem awaits you!

How to qualify for a nifty fast personal loan

You are at least 18 years of age.

You are an Australian Citizen or Permanent Resident.

Receive a regular income into a personal bank account for at least 3 months.

Able to give us an active mobile number or email address.


Not be in financial hardship or be considering entering any form of bankruptcy.

You must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).


You must not have received a Centrelink Emergency payment within the last 3 months.


If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

How customers rate Nifty’s Fast Personal Loan?

Fast personal loan up to $4,600. 100% online. Apply now! Overall rating: 4.8 out of 5 based on 19 reviews.

Quick personal loans

5 5 1
I was very happy with the service that I have received and I would recommend your service to family and friends It was extremely simple to apply and they were only a phone call away if i needed assistance. It was hard waiting to know if i was approved but it all went through within an afternoon.

Very helpful

5 5 1
I am very happy with the help and commutation Level between myself and Nifty Finance. Massive help in a sticky situation.

Fast Outcome

5 5 1
I was pretty surprised how quick it was - great serivce - thanks!

Customer service

5 5 1
I have used a few companys now, but have never had such good service, when i put my first application through they called me and explained why I was knocked back, it was because I was over comitted, when the loan finished I applied with Nifty, I was approved very quickly and for the same loan over the same amount of time the repayments were cheaper. It made my day


4 5 1
thankyou! i needed a quick easy loan for my car rego!


4 5 1
Nifty has been great to me they are a trusted lender and has always been able to help me out i would 100% recommend them to anyone who are looking to get a loan...Thank you Nifty you guys are AWESOME! ☺☺☺☺ Best loan company and the staff are always friendly!

Easy, fast and stress-free!!!

5 5 1
Every step of the process was easy, with fantastic support and plenty of helpful information along the way. Wonderful customer service, and super fast access to money once approved! Very happy customer, positive experience all round.

Great Service !

5 5 1
This is a perfect loan company for when you need that little bit of extra money to help you through the week and payments are easily affordable.

Friendly Service

5 5 1
I couldn't afford my repayments for a while as I was having a few personal issues - I spoke to Barry who provided me with a number of options and was really understanding and helpful- thanks Barry

Very fast outcome

5 5 1
Thank you so much nifty! Everything was very quick and simple to apply online and you responded to my apllication in a very fast and professional manner. Definitely recommend nifty!

Fast and prompt

5 5 1
Very fast process also once loan was paid off I got a txt I can borrow a little more and just to sign the contract now If I need it.


5 5 1
I think this is great. Never had an issue with Nifty and have used a few companies. Will be using Nifty again.

Great service

5 5 1
Great company and service. Recommend 100 %.

Highly recommend it !

5 5 1
Always great service from nifty, hassle free, quick, highly recommend it to my friends. Keep up the customer service guys.

Great easy application

5 5 1
Well layed out application quick easy and convenient


5 5 1
Helpful easy recommend to all 100% grateful.


5 5 1
So helpful Even with my credit rating, nifty helped me get through a tough time Thank you 🙂


5 5 1
Helped me out when I needed it perfect timing r excellent people to deal with so very helpful! If my time comes along again I certainly can't see why nifty could not help me!


4 5 1
They so good

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