Nifty Personal Loans

How it works

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

How our super-fast loans work

Step 1

Scroll up and fill in the form above. This can take only a few minutes; a few quick details and you’ll be on your way.

Step 2

If you meet our criteria, we’ll let you know right away. If we need extra info, we’ll send you a text and an email. It’ll be painless and paperless.

Step 3

Our team will make sure a loan is the best option for you and that you’ll be able to reasonably afford your repayments.

Step 4

Approved? We will send out your funds the same day (if approved during normal business hours)! Latest, it’ll be with you overnight.

who can apply?

You, as long as:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

what will I need to apply?

We’ll need:

  • Contact details: a current email address and direct mobile number that you have access to. We’ll be sending you some important info, so keep an eye on both!
  • A reason for the loan: we have to ask, so give us as much info as possible so we can assess your loan properly and get you back on your merry way.
  • Your expenses: You’re going to need to know what you’re spending on rent, groceries and other bills.
  • Banking details: we’ll verify your expenses by taking a quick look at your bank statements. It’s safe and secure and cuts out a lot of hassle. See – we’re all about convenience and speed.

Got everything ready? Apply for your loan today!

apply now