Cash in your bank within 60 seconds of approval*
- It's possible with Nifty.
*Only available for NPP enabled bank accounts
Cash in your bank within 60 seconds of approval*
- It's possible with Nifty.
*Only available for NPP enabled bank accounts
How does it work?
Apply Online
Our application is so simple it could take you only a few minutes to complete
Get an outcome
After submitting, 70% of our applicants will receive an outcome instantly
Get assessed
If you don't get an outcome instantly, most of the time we'll get back to you with a response in just 60 minutes during business hours!
Get your money
Once approved, your cash could be in your account and ready to use in 60 seconds with NPP bank accounts!
Who can apply?
- You're at least 18 years old.
- You have an active mobile number and email address.
- 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.
What will I need to apply?
You’ll need:
A reason for the loan
As part of our assessing policy, we require a reason for your loan. Reasons for a loan include: Car repairs, Home Improvement, Unexpected bills, Dental expenses, Travel, Emergency Loans.
Contact details
To apply, just enter your contact details including an active mobile number and email address so we can let you know when we have an outcome for your application.
Banking details
As part of our assessment process and commitment to speed, we ask for your internet banking details, so we can access a read-only copy of your expenses and bank statements. So, there’s no need to submit any paperwork, unless we require any more info. Don’t worry we’ll let you know!
Your expenses
To assess your application, our team looks at more than just your credit score. They look at your current relationship with money. As a result, in our application, we’ll ask for your expenses and bank statements just to check on your income and spending habits.
Curious to know more?
Visit FAQsLoan Costs
Small Loans
$300 - $2,000
| Loan amounts: | $300 - $2,000 |
|---|---|
| Terms: | 6 - 9 months |
| Establishment fee: | 20% |
| Monthly Fee: | 4% |
| APR: | N / A * |
| Comparison Rate: | 138.37%** |
Small Loan Example
| Loan amount: | $1,000 |
|---|---|
| Terms: | 6 Months, (24 weekly repayments) |
| Establishment fee: | $200 |
| Total other fees: | $240 |
| Total payable: | $1,440 |
| Weekly installments: | $60.00 |
Medium Loans
$2,001 - $4,600
| Loan amounts: | $2,001 - $4,600 |
|---|---|
| Terms: | 9 - 24 months |
| Establishment fee: | $400 |
| Monthly Fee: | $0 |
| APR: | 47.8% |
| Comparison Rate: | 65.86%** |
Medium Loan Example
| Loan amount: | $2,500 |
|---|---|
| Terms: | 24 Months, (104 weekly repayments) |
| Establishment fee: | $400 |
| Total other fees: | $1,609.44 (reducing interest) |
| Total payable: | $4,509.44 |
| Weekly installments: | $43.36 |
Large Loans
$5,000
| Loan amount: | $5,000 |
|---|---|
| Terms: | 9 - 24 months |
| Establishment fee: | Variable |
| Monthly Fee: | $0 |
| APR: | 21.24% |
| Comparison Rate: | 48%** |
Large Loan Example
| Loan amounts: | $5,000 |
|---|---|
| Terms: | 18 months, (78 weekly repayments) |
| Establishment fee and Total Interest: | $1,897.54 |
| Total payable: | $6,897.54 |
| Weekly installments: | $88.43 |
** 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 with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.
Loan Costs
Small Loans
$300 - $2,000
| Loan amounts: | $300 - $2,000 |
|---|---|
| Terms: | 6 - 9 months |
| Establishment fee: | 20% |
| Monthly Fee: | 4% |
| APR: | N / A * |
| Comparison Rate: | 138.37%** |
Small Loan Example
| Loan amount: | $1,000 |
|---|---|
| Terms: | 6 Months, (24 weekly repayments) |
| Establishment fee: | $200 |
| Total other fees: | $240 |
| Total payable: | $1,440 |
| Weekly installments: | $60.00 |
Medium Loans
$2,001 - $4,600
| Loan amounts: | $2,001 - $4,600 |
|---|---|
| Terms: | 9 - 24 months |
| Establishment fee: | $400 |
| Monthly Fee: | $0 |
| APR: | 47.8% |
| Comparison Rate: | 65.86%** |
Medium Loan Example
| Loan amount: | $2,500 |
|---|---|
| Terms: | 24 Months, (104 weekly repayments) |
| Establishment fee: | $400 |
| Total other fees: | $1,609.44 (reducing interest) |
| Total payable: | $4,509.44 |
| Weekly installments: | $43.36 |
Large Loans
$5,000
| Loan amount: | $5,000 |
|---|---|
| Terms: | 9 - 24 months |
| Establishment fee: | Variable |
| Monthly Fee: | $0 |
| APR: | 21.24% |
| Comparison Rate: | 48%** |
Large Loan Example
| Loan amounts: | $5,000 |
|---|---|
| Terms: | 18 months, (78 weekly repayments) |
| Establishment fee and Total Interest: | $1,897.54 |
| Total payable: | $6,897.54 |
| Weekly installments: | $88.43 |
| |
** 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 with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.
No fuss, no paperwork. Just nifty loans.
