Think You could Get a Loan Today up to $5,000. 100% online. Apply now!

get a loan today

Come across a deal you want to take advantage of but a little short on cash? No problem! Nifty Loans could have your loan outcome in your inbox within 60 minutes (during business hours). No lengthy bank appointments, no fuss, just a yes or no answer, fast! Thinking you need to get a loan today? Keep reading!

There’s no such thing as Nifty instant loans. However, our 100% online application process lets us give loan outcomes pretty damn fast. Therefore, there is no need to make any appointments, as you would with traditional lenders. In the past, you had to had to go to a bank and make an application with a bank manager to get a loan. These days, you don’t even have to leave your house! Just apply online and you could receive your funds the very same day!

We offer small short-term loans from $300-$5,000. If approved, we could transfer the cash straight to your pocket! If this sounds good to you, keep reading, and we’ll tell you what you need to know!

How do I get a personal loan with bad credit today?

Fortunately, at Nifty Loans, we do not discriminate against people with a bad credit history. We understand that sometimes, in life, things don’t always go as planned. We promise to give every applicant a fair go, and not to string you along. If we can’t help you, we’ll let you know quickly.

So, if you’ve got a bad credit history, all you need to do is go to the top of the page, hit the Apply button and fill out the application form. Once your application has been lodged, our friendly customer service team will assess your application and get the ball rolling so you can get a loan today!

Will you perform credit checks on my application?

Here, at Nifty Loans, we do perform credit checks. We take our responsibility as lenders very seriously, meaning that we are required to conduct credit checks and suitability assessments on all loan applications to ensure that we’re offering a product that is right for you. In a nutshell, even if you have bad credit, it’s still worth applying since we assess everyone on a case by case basis.

In fact, we look at, not only credit history but your income and spending habits, too. We believe this gives a better indication of your current relationship with money and the ability to repay your loan. We’re not ones to dwell on the past so, bad credit or not, apply now and let’s see if we can help!

Can I get a loan today?

You certainly could! One of the great things about Nifty Loans is that our application process is straightforward and quick. This means that, if you’re approved and you sign your contract quickly, we’ll transfer cash straight to your account! You’ll just need to make sure you apply and have your contract signed within our regular business hours. Once you’ve accepted your loan terms, we’ll transfer your funds to you on the next round on banking. How quickly you get your funds may depend on what bank you are with.

How can I apply for a loan?

If you want to get a loan today, all you need to do is hit the Apply button at the top of the page! Follow the prompts and answer the questions. Then, submit your application which will arrive in our approvals team’s inbox and your loan assessment will be on underway.

Make sure that you meet these eligibility requirements to get a loan. The following is a list of the requirements that you must meet in order to be eligible for a loan with Nifty Loans:

  • You must at least 18 years of age
  • Need to be receiving a regular income for at least 90 days prior to applying
  • Must be an Australian citizen or permanent resident
  • Need to have a mobile and email address so that we can contact you about the status of your loan application

If you meet those criteria, the rest is pretty easy! Apply, and we’ll get you an outcome for your application.

Where should I go to get a quick loan today?

The great thing about Nifty Loans is that, since we are 100% online, there is no paperwork to hand in! That means there is no need for you to go anywhere to get a Nifty personal loan. You can simply apply from the comfort of your own home, or where ever you are! All you need is access to a device that connects to the internet. Now isn’t that Nifty?

How much can I borrow with Nifty Loans?

At Nifty Loans, you can borrow a small personal loan from $300 up to $2,000 repaid over 3 – 6 months. Alternatively, you can borrow a medium secured personal loan from $2,100 to $4,600 repaid over 13 to 24 months. Or a you can apply for a large secured loan of $5,000 that you can repay over 13 to 24 months.

Why do people borrow get paid today loans?

There are many reasons why people may need quick cash now. Here is a list of some of the reasons people borrow loans from Nifty Loans. One of them might be the reason you need one too.

  • Rental bond
  • Car registration
  • Car repairs
  • Home renovations
  • Household items (fridge, washing machine, television)
  • Wedding expenses
  • Planning a holiday

If the reason you need a loan is in the list above, then maybe you need to get a loan today!

If not, don’t stress! Nifty can offer loans for a variety of reasons, simply submit a brief explanation during the ‘reason for loan’ section of the application.

What if I’m receiving Centrelink benefits? Can I still apply?

The answer is yes! Even if you receive some of your income from Centrelink, you can still apply. Though, we do consider certain Centrelink Payments as regular income so if you fall into the above category then we will be more than happy to help you get a loan today!

What are the possible costs?

Since we have both small unsecured personal loans and medium secured personal loans, our cost structure varies slightly between the two. So, to see how much our loans cost and how much your repayments would be if you’re approved for a loan, simply scroll to the top of the page and use our loan calculator.

How do I make my loan repayments?

Making your unsecured loan repayments couldn’t be easier! No, really, you don’t have to do anything! When you apply for a loan you won’t have to start making your repayments until after you receive your money.

Once your loan has been approved we will set you up with a direct debit that will come straight out of your bank account on a nominated day (we will never set your repayments at a higher rate than you can afford). Once your cash loan has been paid back in full, then the direct debits will automatically stop. It couldn’t be easier! No bills to remember, no heading to the post office. It’s all done for you! In fact, once you have completely made your repayments, you can even apply for a new loan the very same day.

Why should I apply with Nifty Loans?

There are several great benefits you can enjoy if you want to apply with Nifty Loans. We take pride in the positive attributes we’ve got to offer our clients. So, here’s why you should apply with Nifty Loans:

Our application process is quick and simple!

Because everything is 100% online, there is no paperwork required. That means our application form takes only a few minutes to complete. In addition, it also means that you can complete it right from the comfort of your own living room, or anywhere that you have access to a device that connects to the internet. Furthermore, you can even be on the go and apply for a loan. That’s how easy it is!

Fees are completely transparent

Another great thing if you want to get a loan today with Nifty Loans is that we are completely transparent with our fees. There are no hidden costs whatsoever. However, the only fee you have to watch out for is our penalty fee for any missed payments. It’s $27.50 for any direct debit dishonours, so make sure that you can afford your repayments at each payment date so that you can avoid this fee.

If you know that you’re having a tough week and you’re not going to be able to make a payment, get in touch with us as soon as possible. We’re always happy to work with you to come up with an alternative arrangement that’s suitable for everyone. However, we can only do this if you let us know within 1-2 business days before the next payment is due.

Repayment process that is hassle free

Fortunately, our repayment process is super easy. We do this by helping you to set up a direct debit so that your repayments come out of your account automatically. That means you won’t have to worry about making your payments on time as they will just be debited from your account when they’re due. You won’t even notice a thing!

We have an amazing customer service team

One of the things we are so proud of here at Nifty is our amazing team of loan experts here to help you whenever you need us. We’ll help you if you have any problems throughout the application process, and we’ll also be there through your loan term if you ever need us!

Loan Terminology

Navigating the realm of digital lending can be confusing, especially when there is so much lingo out there. That’s why we’ve come up with this list of loan terminology: to help you become savvy when you want to get a loan today.

Establishment feeThis is the fee that you have to pay to borrow the loan. It is a set fee that everyone must pay for the cost of borrowing money, but it is factored into the total repayment amount.
BorrowerThat’s you! It’s the person who borrows the money and repays it to the lender.
LenderThat’s us! We lend you the money, which you then repay to us at a later date. Banks are also considered lenders.
Unsecured loanThis type of loan means that you can borrow money and it does not require an asset to be tied to the loan.
Secured loanThis is when you provide lenders with an asset to be tied to the loan. It is usually a car, motorbike, boat or caravan. It is security for the lender in the event that you were unable to repay the loan.
AssetAn asset is defined as something of value. In loan terminology, we use the term asset because it is necessary when we are talking about providing a security to borrow a loan.
Credit checkA credit check is something that lenders do when they want to see what your credit history is. They do this to decide whether to lend to you or not.
Loan contractThis is what we will send you when we extend you an offer to borrow a loan. The loan contract contains all the information that the borrower needs to know, and they can choose whether to accept or decline the contract.

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

Think You could Get a Loan Today up to $5,000. 100% online. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Think You could Get a Loan Today up to $5,000. 100% online. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.
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One of a kind lender

"Nifty loans are great!! Excellent customer service, friendly, and there to help when you have any questions or issues. really helped me when I needed it!"

- Zoe Guthrie


How customers rate Nifty's Personal Loans

Think You could Get a Loan Today up to $5,000. 100% online. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans