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 $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Repayments

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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. Click here for a worked example

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our loans between $300 and $2000 is 199.43%. 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. Click here for a worked example

Get a fast personal loan with Nifty! Fast outcomes and an expert team of loan specialists

fast personal loan

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, like 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 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 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 fast personal 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 $27.50 dishonour

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! Just three possible costs.

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

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 like a laptop, tablet or smartphone. That means you can apply for a fast personal loan 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 for a fast personal loan?

Unsure if you can apply for a Nifty fast personal loan?

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 get 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 – Unlike most 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 get a fast personal loan 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 a fast personal loan with Nifty Loans!

Traditional lenders avoid dealing with people receiving Centrelink payments because they believe their income is usually too low. 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 fast personal loan.

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

Sometimes we forget to pay that phone bill, or couldn’t scrape up enough cash for that very unexpected electricity bill. We won’t penalize you for the difficult times.

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 don’t think you should be penalized for the difficult times! In fact, we want to reward you for overcoming them! We do this by putting a little more focus on your current financial situation and relationship with money rather than your past mistakes.

Nifty Loans 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 through our secure online system in just seconds! That’s a Nifty loan!

Do you require an asset to be tied to my fast personal loan?

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!

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.

Q

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.).

Q

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

R

If you meet these criteria, apply now and receive an outcome within 60 minutes (subject to business hours and workload).

how it works.

small personal loans.

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

Example

Loan Amount: $1000 $1000
Term: 6 Months, repayable weekly (25 weekly repayments) 12 Months, repayable weekly (50 weekly repayments)
Principal amount: $1000 $1000
Establishment fee: $200 (20% establishment fee) $200 (20% establishment fee)
Total other fees: $240 (fees based on 4% per month over 25 weeks) $480 (fees based on 4% per month over 50 weeks)
Total payable: $1,440 $1,680
Weekly installments: $57.60 $33.60

medium personal loans.

  • Loan amounts: $2,100 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 67.41%
  • 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

Example

Loan Amount: $3,000 $4,500
Term: 18 months, repayable weekly (78 weekly repayments) 24 months, repayable weekly (104 weekly repayments)
Principal amount: $3,000 $4,500
Establishment fee: $400 $400
Total other fees: $1,379.06 (reducing interest) $2,732.56 (reducing interest)
Total payable: $4,779.06 $7,632.56
Weekly installments: $61.27 $73.39

large personal loans.

  • Loan amount: $5,000
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 21.24%
  • Comparison Rate: 48%
  • 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

Example

Loan Amount: $5,000 $10,000
Term: 18 months, repayable weekly (78 weekly repayments) 24 months, repayable weekly (104 weekly repayments)
Principal amount: $5,000 $10,000
Total Interest: $2,027.80 $5,577.12
Total payable: $7,027.80 $15,577.12
Weekly installments: $90.10 $149.78

How customers rate Nifty’s Fast Personal Loan?

Fast Personal Loans With Nifty Loans Between $300 And $5,000! Apply Now! Overall rating: 4.8 out of 5 based on 20 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

Ms

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

BEST LOAN COMPANY!

★★★★☆
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.

Nifty

★★★★★
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

"TOPS"

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

Fantastic

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

Excellent!!

★★★★★
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!

5

★★★★☆
4 5 1
They so good

Good

★★★★★
5 5 1
Great

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