Wondering How Much Can I Borrow? Don’t. Apply For What You Need

how much can I borrow

Ever thought to yourself, how much can I borrow? It’s a complicated question, that has a different answer depending on who you ask. It also depends on why you need to borrow money. To answer the question you first need to figure out what loan you’re after and why. That’s where we come in. We give our clients flexibility, to help them figure out the age old question “how much can I borrow”. Before we tell you all about borrowing we’d better introduce ourselves.

Introducing Nifty Loans

We are a neo-lender that is dedicated to providing easy finance for all Australians. We offer personal loans starting from $300 to $5,000. If you’re after a small loan, you can repay it over 3-6 months and If you’re after a slightly larger loan, you can repay it over 12-24 months. See what we said about flexibility? We want to change your question what amount to choose to how much do I want to borrow. So, whether you’re looking for a quick financial pick-me-up or an investment in a new project, we are the loan experts to turn to.

So, what amount can you borrow??

Instead, ask how much do I want to borrow. Borrowing money is all about meeting your financial needs. Our job is to assess whether those needs are suitable. However, ultimately, we want to give you what you want. To give every Australian a fair go, we can be more lenient than traditional lenders, however, we do adhere to responsible lending practices. You may think those are contradictory, but let us broaden your horizons.

Firstly, we don’t approve clients who cannot afford their repayments. However, instead of simply looking at your credit score, or whether you receive Centrelink payments, we inspect your current relationship with money. That’s why we ask for your bank statements and expenses, so we can see where you stand with your finances. Whether you have a healthy money mindset or perhaps it needs some tweaking. So, before you apply for quick loans, have a think about how much you need to borrow and chances are, we can help!

How can I use my personal loan?

Great question! You can use your personal loan for practically anything (within reason, of course). Personal loans have flexible loan terms. You can pick and choose how much you wish to borrow, what for and for how long. Looking to take a weekend getaway, but short on cash? Try a travel loan. Has your furry companion fallen ill? Consider pet finance to cover those pesky bills. Want to add some value to your property? Take a look at our home improvement loans. Whenever you think you may need some extra cash, you can turn to Nifty.

Who is eligible?

So far, it may seem like we’ve just answered your question with another question, but there are some questions we can give straight answers to! Like, who is eligible for a Nifty Loan? We’d like to say everyone, but we do have a few little requirements to meet before applying:

  • Applicants must be over 18 years old
  • Be an Australian citizen or permanent resident
  • Be receiving a regular income into a personal account for at least the last 90 days
  • Have an active mobile number and email address

And that’s it! Just those four little requirements and you’re ready to apply for a fast personal loan. Make sure to tick off all these requirements before you apply for a loan, otherwise, our loan specialists may not be able to approve your application.

What to have handy before applying?

We believe in maximising efficiency. We also know that time is money and we want to save some of yours. That’s why we give you the tools to breeze through your easy loans application. Before you apply for a Nifty Loan, have these details handy to kickstart your application:

  • Personal contact details e.g mobile number and active email address etc.
  • Reason for loan
  • Bank account details
  • MyGov details (for applicants receiving Centrelink benefits)
  • Employment info

Having this info handy will fast-track your application. We want to reduce the hassle of filling out an application – we know how annoyingly long they can be. So, we want our clients to be prepared for the questions we ask.

At Nifty Loans, we also love transparency. So, we are happy to explain why we ask for sensitive information like bank account details and MyGov details. If online scams have taught us anything, it’s to be wary of online entities asking for personal details. But, don’t worry, your info is safe with us. We simply ask for your bank account details, so we can access a read-only copy of your bank statements and expenses. The same goes for your MyGov details. So, no need to worry, our loan specialists don’t have access to your bank account! Want to see our privacy policy in writing? No worries, it’s right here.

How to apply

Applying for a loan may conjure images of jumping through neverending hoops and pointless trips to the bank. But at Nifty Loans, we tell a different story. Our online application can be filled out in a matter of minutes! Curious about how our application works? Don’t be. Let us show you:

Part One: You apply online

Did you know, our entire neo-lending service is 100% online? Say goodbye to pointless trips to the bank and filling out long applications with your pen, only to make a mistake at the very end. And say hello to the future! Where all you need to fill out a loan application is a few moments of your time and an internet enabled device.

To begin your application, simply scroll up and use our loan calculator. Select how much cash you wish to borrow and for how long. Then, select how frequently you wish to make your repayments (either weekly, fortnightly or monthly). Once you are happy with your loan terms, click the Apply Now button and you’re already on your way to easy finance.

Part Two: We grant conditional approval

At Nifty, we don’t like cheesy suspense. That’s why, after you apply, we’ll let you know whether you qualify within minutes. So, whilst you’re crushing those candies, keep an eye on your notifications for important incoming info.

Part Three: We assess your application

For our loan specialists, this part of the application process is crucial. We want to give our clients a chance at easy finance that may help them boost their finances. However, we also adhere to responsible lending practices. So, basically, we don’t approve anyone who cannot afford their repayments. To assess whether you can afford repayments, we look at your bank statements, expenses, employment info and income. We do take a peek at your credit score, but a single number isn’t the deciding factor. More on that soon.

Part Four: We deliver your moolah

Congrats, if you’ve made it this far, then your application has been approved! After you review and sign your contract, your moolah is then scheduled to be transferred! Access to funds is dependent on inter-bank transfer times.

That’s it. Just four parts to our lending process. And we do most of the legwork! So, if you want easy finance from the neo-lenders that care, then just scroll up to get started.

No hidden costs

We like to think we’re different from other, perhaps, greyer money lenders. You’ll notice an absence of empty promises. Instead, we prefer transparency. We’ve made it easier to answer the question, how much can I borrow. Before you apply for a loan with us, you are welcome to read all the loan costs on our website. No trickery, just simple business. To see how much can I borrow, or rather how much you want to borrow, take a look at our costs at the bottom of this page. You will find the basic costs for the following loan types.

  1. For small personal loans: small loans are unsecured personal loans from $300 to $2,000
  2. For medium-secured personal loans: medium loans are secured personal loans starting from $2,001 to $4,600
  3. For large personal loans of $5,000

Depending on what type of loan you apply for, other fees and charges may be payable. You may be charged additional fees if you miss a repayment or default on your contract.

We are 100% online!

Yes, that’s right. Our neo-lending service is 100% online. However, in our world, online doesn’t mean we drop our customer service responsibility. We care about our clients, and our loan specialists are on hand whenever you need a question answered, or just want a chat. You can give us a call on 1300 471 328 or send your enquiry to info@niftypersonalloan.com.au.

How much can I borrow home loan?

Nifty Loans specialises in personal loans. We know small loans and we know them well. And you can trust us when we say, ask how much should I borrow. However, when we come to how much can I borrow home loan, it’s a different story.

Even if maths isn’t your strong suit, you know that personal loans and home loans are drastically different. If you’re looking for a home loan, you can turn to the big 4 banks or 2nd tier banking. Interest rates vary depending on which bank or broker you choose. If you’re looking for personal loans, turn to your neo-lending specialists! And ask us, how much should I borrow?

The Nifty Difference

In the last decade, you may have noticed little loan companies pop up all over the internet. You may be thinking, what makes Nifty Loans different? Well, we’re glad you asked. We believe that we offer a service that goes beyond money lending and enters a sphere of easy finance that is centred around fairness and simplicity. Receive Centrelink? Don’t worry, you can apply for loans for people on Centrelink!

That’s Nifty.

We give every Australian a fair go at applying for a helpful little financial pick-me-up. Whether your dying to take your partner on a romantic getaway, or simply need a small boost to cover unexpected bills – apply with Nifty, and have the cash delivered straight to your pocket. So, what are you waiting for? Scroll up and Apply Now!

Let’s be friends

Still asking the question, how much can I borrow? Well, don’t hesitate to contact our team of loan specialists. Either pop them a quick message or give them a ring on 1300 471 328.

You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Keen to hear what else Nifty has to say? Find out how you could borrow money online instantly!

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.

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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Customer service

"I have used a few companys now, but have never had such good service, when i put my first application through they called me and explained why I was knocked back, it was because I was over comitted, when the loan finished I applied with Nifty, I was approved very quickly and for the same loan over the same amount of time the repayments were cheaper. It made my day"

- Barry Gleeson


Types of loans