Instant Loans | Quick Decision and Instant Funds Transfer
Need cash fast?

Sometimes we need a little help to get from A to B. Whether it’s a hefty electricity bill, 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.

We understand that things happen unexpectedly, so that’s why we offer 60-second transfers** once your application is approved. So, if something has popped up and you’re scrambling for cash, let Nifty lend a hand.

Why customers love Nifty

Fast loans are Nifty’s thing. We take pride in delivering quick approvals and helpful customer service. We’re one of Australia’s most trustworthy small online lenders, meaning hundreds of Aussies trust us each and every day.

We’ve taken the guesswork out of personal loans. We only ask you for the necessary documents and have simplified our application process to make sure it’s user-friendly for all customers. In other words, we’re the whole package.

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 18 years old;
  • Have Australian citizenship or permanent residency;
  • Have Internet banking;
  • Have had a steady income for at least a minimum of 90 days.

What can our loans be used for?

Whether you’re needing car repairs or a last-minute trip has come up, there are many reasons why you might want to apply for a personal loan. Some of the most common uses for our loans include:

Medical expenses

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

Car repair costs

Sprucing up an old vehicle or needing urgent repairs on your trusty set of wheels? Choosing a Nifty loan 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, a small loan can help cover the costs of flights, accommodation, or holiday activities, allowing you to enjoy your getaway.

Unexpected utility bills

Let’s say your latest electricity bill was higher than usual, and you’re struggling to chip in the extra amount. Instead of losing sleep over it, let Nifty help cover the costs to keep things running smoothly while you pay it off.

Moving costs

You might be hiring a moving van when transporting goods to a new place. These can cost hundreds of dollars for the day, so if you’re stressed, let Nifty reach out a helping hand and cover the costs.

Debt consolidation

In certain situations, a small loan can be used to consolidate multiple debts. While there are some advantages of debt consolidation, it’s important to gather information about other options before making a decision.

Our Happy Customers

Frequently Asked Questions

How fast can I get a loan through Nifty?

With Nifty, you could have your loan approved within 60-minutes* if you apply during business hours and, if approved, your cash paid out in just 60-seconds**. 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, we 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 have bad credit. Our loan assessors give each and every application a fair assessment, so don’t let your credit score stop you from applying.

Does Nifty offer cash loans for Centrelink customers?

Yes! We can offer Centrelink customer loans, as long as they meet our eligibility criteria. This is because we view Centrelink payments as a regular source of income, unlike other lenders. We don’t discriminate against those receiving government benefits, so while we can’t guarantee approval, we do encourage applicants to apply and get in contact with our friendly customer service team to discuss their options.

Does Nifty offer online loans to bad credit customers?

As an inclusive online lender, Nifty is able to approve bad credit applicants if they meet certain criteria. Our team of loan specialists will conduct a financial assessment on an applicant to determine whether they are able to manage their loan repayments. This assessment will look at other financial factors, like their regular income and expenses through bank statements, rather than just their credit score. So, if you have bad credit but are successful in our assessment, we may just be able to offer you an online loan.

What fees and charges can I expect with Nifty?

The expected fees and charges for your loan will depend on your individual 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 Nifty loan, visit our cost page.