Are you looking for a super fast personal loan? Then Apply Now for a Nifty Fast personal loan! We are 100% online!
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(%)
Get a fast personal loan with Nifty! 60-minute approvals, same day cash. Apply Now!
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-$4,600 repaid within 9-24 weeks.
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, an instant approval is a yes or no answer to receiving your completed application form promptly. We don’t like fuss here at Nifty and so one of our key goals is to get you the outcome you’re looking for as quickly as possible. Once you have your approval, we could have the funds transferred to your account that same day!
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 blows up. 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 4-minute online application process!
- Submit application online – this part usually takes most applicants 4 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 into your account within 60 minutes.
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.
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 they’re irresponsible with money. 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 on all new clients.
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 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 $4,600 are medium secured personal loans and will require you to provide an asset as security. If you are after a medium 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. Our staff are always ready to assist in your application!
We’re not like the other lenders who may not want your business because of past mistakes. We believe you should be treated like anyone else applying for a loan.
We are willing to look past your mistakes and see what your current relationship with your money is like. Of course, we won’t approve you for a loan you simply cannot afford, since we are responsible lenders.
We made it easy for our customers to get a loan. All you need to do is fill out our 4-minute application, grab a coffee and relax while we take care of the rest. You’ll likely get an answer from us within 60 minutes and, if approved, the money could be in your account on the same day.
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.
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%
|Term:||10 weeks, repayable weekly|
|Total other fees:||$60|
|Total monthly fees:||4% per month over 10 weeks|
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%
|Term:||18 months, repayable weekly|
|Total other fees:||$1,378.87|
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