How our super-fast loans work

Apply Online For Cash Loans - It Takes A Few Minutes

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.

Fast Cash Loan After A Quick Credit Check

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.

Affordable Loan Repayment at Nifty Personal Loans

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.

Same Day Cash Loans Available at Nifty Personal Loans

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.

Personal Finances & Loans Available The Same Day

Got everything ready?
Apply for your loan today!

Apply Now

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

Need answers fast?

Visit our frequently asked questions page!

Need Cash Fast? Easy & Quick Loans at Nifty

Need answers fast?

Visit our frequently asked questions page!


What will I need to apply?

We'll need:

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.

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

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.

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!

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 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

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
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


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** 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.