Fast Personal Loan With Nifty Loans Between $300 And $5,000! Apply Now!

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

What is a fast personal loan?

Today, consumers are saturated with choice. We have a hard time choosing what to eat, what to wear, and what to do. It especially becomes confusing when choosing financial products. 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 Loans, we pride ourselves on customer service excellence. So, apply today for a fast personal loan.

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 Loans comes in! We offer one of the fastest loan services in the country and we are all based right here in Australia. A Nifty loan is a loan between $300-$5,000 repaid within 3-24 months.

Curious about the different types of loans we offer? We’ll show you!

For small personal loans: Apply up to $300 to $2,000

  • Establishment fee: 20% of your principal
  • Ongoing fee: Monthly fee of 4% of your principal
  • Dishonour fee: Unfortunately, if you miss your repayments, we’ll charge your account a dishonourfee

For medium secured personal loans: secured personal loans up from $2,001 to $4,600

  • Establishment fee: $400 fee built into your repayments
  • Ongoing fee: An annual percentage rate of 48% of the principal
  • Dishonour fee: Unfortunately, if you miss your repayments, we’ll charge your account a $27.50 dishonour

For large secured personal loan: secured personal loans of $5,000

  • Ongoing fee: An annual percentage rate of 21.24% of the principal
  • Dishonour fee: Unfortunately, if you miss your repayments, we’ll charge your account a $27.50 dishonour

And that’s it!

What is instant approval?

So what is an instant approval? You hear this term quite often these days “instant approval” but what does it really mean? Well, here at Nifty Loans, we don’t offer instant approval
, but we do offer very fast outcomes!

How do you apply online for a fast personal loan?

It couldn’t be easier to apply for a Nifty fast personal loan online! All you need is an internet capable device like a laptop, tablet or smartphone. That means you can apply wherever and whenever. You could be sat on the train to work because your car gave up that morning. Or you could be sitting on your couch at 11 o’clock at night all set up for Netflix and… pizza and your TV goes black. Just jump online and submit your application and you could have your loan approved in no time at all. Now that’s Nifty!

How do I know if I’m eligible?

To be eligible, all you need to be is 18 years old or older, an Australian citizen or permanent resident, receiving a regular income for the last 90 days, and have a mobile number and email address.

Still, have questions about your eligibility? Our customer service team is always ready to help!

How do I apply for a fast personal loan with Nifty Loans?

Once you have all those boxes ticked, then we can move onto the easy online application process!

  • Submit application online – this part usually takes most applicants only a few minutes to complete!
  • Get conditionally approved – based on your personal details, we will determine if one of our loans is suitable for you.
  • Supply supporting data – As expert money lenders, we utilise the latest and safest banking technology that will obtain 90 days of read-only copies of your bank statements in just seconds!
  • We assess your situation – As responsible lenders, we want to make sure you can comfortably pay back one of our loan products.
  • Money transferred upon approval – Once approved the money will be transferred to your account in the next round of banking.

Depending on which bank you’re with, you could get the money in your account on the same day! If not, it will be in your account overnight at the latest.

Can I apply while I’m on Centrelink?

Absolutely! We consider Centrelink payments as a source of income. As long as you are receiving a regular income, you are eligible to apply for with Nifty Loans!

Here at Nifty Loans, we think you should be treated like everyone else. People go through difficult times, it’s a fact of life. Our customer service team are always here to help you with your application.

What if I have a bad credit score? Can I still apply?

Yes! You can still apply for a bad credit fast personal loan.

Don’t let that credit score get you down. Here, at Nifty Loans, we don’t use credit checks as the sole basis of approval! This is why we ask for 90 days worth of bank statements to verify your current income and relationship with money.

Maybe a forgotten utility account has come back to bite you, or a previous mistake is weighing you down. We think we’re pretty fair in our assessments, and are able to overlook previous slip-ups.

We’re here to help you get back to financial health! Fill out our fast application and see how we can help you.

Do you do credit checks?

Yes! As a responsible lender, we do conduct credit checks.

However, we understand that sometimes things happen in life that might put you in a difficult position. Like we said, we think we’re pretty fair. We put a little more focus on your current financial situation and relationship with money rather than past mistakes.

Nifty Loans is here to help! We won’t treat you like a number or a liability. All we ask for is some basic personal information and 90 days worth of bank statements. These can be obtained through our secure online system in just seconds. That’s a Nifty loan!

Do you require an asset to be tied to my fast application?

Not if you apply for a loan amount of, or less than, $2,000. All of our loans between $300 and $2,000 are small unsecured personal loans.

Whereas, all of our loans between $2,001 and $5,000 are medium or large secured personal loans and will require you to provide an asset as security. If you are after a medium or large secured personal loan then you will need to attach your car, motorbike, caravan or boat as security.

A fast personal loan is a short-term, manageable loan for those little hiccups that happen to get in our way. We don’t use a credit check as the basis for approval, because we like to leave those mistakes in the past where they belong.

Our loans are 100% online! So, what are you waiting for? Jump online and apply now for a Nifty fast personal loan. Your solution to your financial problem awaits you!

Why choose Nifty Loans?

These days, people don’t like waiting. We constantly refresh social media feeds, buy things online to arrive the next day, and order our coffee on an app so we can just pick it up on the way to work. So, why should you have to wait for a loan approval?

At Nifty Loans, we think we have the best customer service! As we are an Australian company, our customer service staff are all based in Australia and are ready to assist with your application!

We don’t simply take a look at your credit score and toss your application aside, we explain credit history and your current relationship with your money. Of course, we won’t approve you for a loan you cannot afford.

We made it easy for our customers to get a loan. All you need to do is fill out our application, grab a coffee and relax while we take care of the rest. Our loan specialists will aim to have an outcome for your within 60 minutes, although, this time is subject to vary depending on workload  and business hours. If approved, the money will be transferred to your account on the same day, provided the contract is signed before 4:30 pm AEST on banking days.

While we can’t guarantee any approvals, we can guarantee that we will always give you a fair go. So what are you waiting for? Apply now for your fast personal loan and see just how we can help!

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

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

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Fast Personal Loan With Nifty Loans Between $300 And $5,000! Apply Now! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Fast Personal Loan With Nifty Loans Between $300 And $5,000! Apply Now! Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
quotation mark

Thank you nifty!

"In a time of need, nifty came through. Much appreciated. I would recommend nifty first to anyone needing that extra hand out there. Thank you, nifty!"

- Ash


How customers rate Nifty's Personal Loans

Fast Personal Loan With Nifty Loans Between $300 And $5,000! Apply Now! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans