Instant Loans | Quick Decision and Instant Funds Transfer

Instant Loans

Apply now for:

Fast Personal Loan

up to $5,000

or

Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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  • 100% Online
  • Simple Loan Applications
  • Fast Outcomes
  • 60-Second Transfers**

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.

ⓘ Loan Disclaimer

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 anniversary present, 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.

Household 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.

What sets Nifty apart from the rest?

Our technology
Our speed
We’re Australian
100% online

Nifty’s in-house loan-processing engine is behind our speed. This technology allows us to offer quick cash loans to customers, even those with bad credit. It also lets us provide customers with a simple and fast loan process, from application to approval.

Nifty is one of Australia’s fastest lenders - both in terms of processing and delivering loans. We aim to process applications within just 60-minutes*, and can even get the cash out to you within 60-seconds**!

Here at Nifty, we don’t make promises that we can’t keep. That’s why we guarantee the personal service and dedication of a local-owned and operated lender. Our in-house loan specialists and customer service team work tirelessly to provide you with exceptional service and turnaround times.

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.

Our Happy Customers

How to apply

Nifty’s application process is super simple. We won’t ask you for hundreds of documents, or require multiple phone calls. In fact, a Nifty personal loan could be yours in just three steps:

  1. Use our online application form to apply, whenever and wherever you are in Australia;
  2. Sit back and relax while our team of loan specialists review your application;
  3. If approved, receive your cash into your nominated bank account within 60-seconds**!

Frequently asked questions

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*If you apply within our standard business hours. Subject to individual assessment. 60-minute outcomes are not guaranteed.

**If you have an NPP-enabled bank account.