- Outstanding customer service
- 60-second transfers once approved3
- Fast applications1 and same-day loan outcomes2
- Check if you qualify - no impact on your credit score
We're a part of the award winning Jacaranda Finance group.
Here's what you can expect:
Sometimes, when life gets in the way, we need a little help to get from A to B. Whether it’s a hefty car repair or a health scare that leaves you with stacks of hospital bills – Nifty Loans can be your helping hand to get through whatever life throws at you.
For full disclosure, we don’t provide instant loans, but we can help you apply for fast loans! We understand that things happen unexpectedly, so that’s why we work with a lender who offers same-day loan outcomes2 and 60-second transfers3 once your application is approved.
What’s more, you can check if you qualify before you apply in a way that won’t have any impact on your credit score!
Fast loans are Nifty’s thing. We take pride in connecting people with quick approvals and helpful customer service, and we’re one of Australia’s most trustworthy small online lenders.
We’ve taken the guesswork out of online loans. You will only be asked to provide the necessary documents and complete a simplified application process to make sure it’s user-friendly for all customers. In other words, we’re the whole package.
Our Happy Customers
Worried about your credit score?
Checking your eligibility for a Nifty loan as a part of our application process won’t have any impact on your credit score, as we don’t conduct a hard credit check at this stage.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don’t qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
Am I eligible for a Nifty loan?
Save yourself time by checking your eligibility for a Nifty small loan. Before you apply with us, make sure you meet the following criteria:
- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your bank account for the last 90 days.
- Be in control of your finances and handle existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
What sets Nifty apart from the rest?
Our Technology
The Nifty Group’s in-house-loan-processing engine is behind our speed. This technology allows our partner lenders to offer quick loans to hard-working Australians from application to approval.
Our partner lender aims to process applications on the same day2, and once you’re approved and have signed a loan contract, can even get the money out to you within 60 seconds3!
Our Customer Service
Here at Nifty, we don’t make promises that we can’t keep. Our in-house loan specialists and customer service team work tirelessly to provide you with exceptional service and turnaround times.
100% Online
Nifty operates solely online, meaning you won’t be dragged in to sign endless paperwork. We make it easy to apply for and manage your loan entirely online. With Jacaranda’s mobile app, you can also opt-in to check and monitor your credit score.
100% online
Nifty operates solely online, meaning you won’t be dragged in to sign endless paperwork. Instead, we encourage customers to reach out to our friendly customer service team during business hours, or submit a request to be contacted at your convenience.
How to apply
The application process is super simple. We won’t ask you for hundreds of documents, or require multiple phone calls. In fact, a personal loan could be yours in just three steps:
Step 1
You can check if you qualify for a loan with our lending partner before you formally apply. This means your credit score won’t be impacted until you decide to move forward with an application.
Step 2
Use the online application form to apply whenever and wherever you are in Australia. An application can be completed in as little as 5-12 minutes1.
Step 3
Sit back and relax while the loan specialists review your application. Depending on when you apply, you could have an outcome on your application on the same day2.
Step 4
If approved, you could have the funds transferred into your nominated bank account within 60 seconds3!
Frequently Asked Questions
How fast can I get a loan through Nifty?
Through Nifty, you could have your loan approved on the same day2 if you apply during business hours, and if approved, your funds could be paid out in just 60-seconds3. While we can’t guarantee this for every application, applying within business hours will increase your chances of a speedy response from one of our helpful lending specialists.
Does Nifty do credit checks?
As responsible lenders, your lender must make reasonable enquiries to ensure the suitability of a loan. However, this doesn’t mean your application automatically won’t be successful if you don’t have a high credit score. The loan assessors give every application a fair assessment, so don’t let your credit score stop you from applying.
If you aren’t sure if you qualify, you can check this before you apply without impacting your credit score.
What fees and charges can I expect with Nifty?
The expected fees and charges for your loan will depend on your financial situation and the loan amount you are applying for. Your monthly fee rate and interest rate will also be impacted depending on these factors. So, to find a detailed breakdown of the possible costs of a loan, visit the costs page.