Instant Loans | Quick Decision and Instant Funds Transfer
Nifty Logo Jacaranda Finance Logo

We're a part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • 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
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.
Need cash fast?

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!

Why customers love Nifty

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.

Check if you qualify today

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 can our loans be used for?

Whether you need fast car repairs or a last-minute trip has come up, there are many reasons why you might want to apply for a loan through Nifty. Some of the most common uses for loans include:

Medical expenses

A Nifty loan through Jacaranda can be used to cover the costs of a dental appointment, surgery or other minor medical procedure.

Car repair costs

Are you sprucing up an old vehicle or needing urgent repairs on your trusty set of wheels? Applying through Nifty means you can have the money you need in a short amount of time.

Holiday expenses

If you’re in desperate need of a holiday and don’t want to use your hard-earned savings, a Nifty loan can help cover the costs of flights, accommodation, or holiday activities, allowing you to enjoy your getaway.

Moving costs

You might hire a moving van when transporting goods to a new place or even need help paying a rental bond. Moving can cost hundreds, if not thousands, of dollars, so let Nifty reach out a helping hand.

Debt consolidation

In certain situations, a loan can be used to consolidate multiple debts into one easier-to-manage repayment. While there are some advantages of debt consolidation, it’s essential to gather information about other options before making a decision.

Improving your credit score

Our partner, Jacaranda, is a registered Comprehensive Credit Reporting (CCR) participant. As your positive credit behaviour will be reported, making your loan repayments on time and in full could help improve your credit score over time.

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.