Have You Been Searching For A Lender To Provide Interest-free Loans? Nifty Could Provide You With A Fair Rate Today!

interest free loans

Are you looking for interest-free loans? While Nifty can’t provide interest-free loans, we do, on the other hand, offer competitive interest rates, great service and fast outcomes on cash loans. Read on to find out more.

Nifty Loans Australia

If you’ve been looking for a lender to provide you with a fair go, then you might have found the ‘guy for the job’. Nifty Personal Loans could provide you with the cash you need today. We are 100% online. That means you can apply for a loan wherever you are and whenever you like. You could even do it from the comfort of your own home.

We are proud of the fact that we give all Aussies a chance. So, regardless of your current or past financial history, you could be eligible for a loan with Nifty. We don’t do interest-free loans, however, we do guarantee you will get a fair rate when you choose to apply for a loan with Nifty.

Who Are We?

Nifty is a trusted name in lending. We have a successful history in providing applicants of all different circumstances with reasonable rates when it comes to personal loans. We can’t provide interest-free personal loans, however, we know you will get the best rate possible when you choose to apply for a loan with Nifty.

How Do We Look At Credit?

Although we can not guarantee approval for every single applicant if you’ve been googling ‘interest-free short term loans’ we can guarantee you a fair go. Our trusted team of lenders will do their best to match you with a loan product that suits your individual circumstance. That means, at Nifty, we look deeper than just your credit score.

We think you are more than just a number. We understand how stressful money troubles can be. That’s why we will always do our best to lend a hand when you need it the most.

100% Online

The good news is we are 100% online. That means you can apply for a loan wherever you are and whenever you like. You could even apply using your smartphone. Our website is super user-friendly. The application process could only take you a few minutes – super easy and very simple.

Why Trust Us?

At Nifty, we believe in honesty and transparency. That means we will never try to mislead you with hidden fees and charges. Put simply, we believe in being upfront.

Your loan agreement will clearly state any fees and charges you could incur over your loan period. We encourage you to ask questions. If it doesn’t make sense, just shoot us a message. We will do our best to get back to you as soon as possible.

What Will We Look At?

If you apply with Nifty you can be guaranteed that it won’t just be your credit score we focus on. Our team take a look at the bigger picture. That means we will have a look at your employment status and spending habits as well as major deposits into your account on a regular basis. But, no need to worry – our team of experienced lenders will never disclose any of your private information.

Responsible Lending

At Nifty, we are proud to be a responsible lender. What does that mean? Well, for starters we will never lend you any cash we don’t think you are capable of repaying. That is why we take a deeper look at your finances. We want to match you with the best loan product possible.

You can always trust in the fact that Nifty is different from traditional lenders. That means we will give you a fair go regardless of the circumstances. We won’t guarantee approval but we will guarantee you the consideration you deserve when it comes to personal loans.

So, if you’ve been googling ‘interest-free personal loans’, let Nifty show you the reasonable rate we could provide on a personal loan.

Interest-Free Loans For Bad Credit

Have you been googling ‘interest-free loans for bad credit’, or maybe you’ve been searching for ‘interest-free student loans Australia’? Well, while we do not offer interest-free loans, Nifty does provide loans to applicants with poor credit scores.

Regardless of your history, our lending team will do their best to match you with a suitable loan product. If you’re a student with poor credit history you could be eligible for a loan with Nifty. We encourage you to apply. It doesn’t cost anything and we will do our best to get back to you with a decision within 60-minutes.

There’s no need for bad credit to hold you back anymore. If you’ve been looking for interest-free loan bad credit or interest-free student loan Australia today, Nifty could provide you with a fair rate on a personal loan.

Interest-Free Loans For Pensioners

If you’re a pensioner in need of quick cash Nifty could be the lender for you. We don’t supply interest-free loans for pensioners, however, we could provide pensioners with a reasonable and competitive rate on a personal loan.

Government Benefits & Interest-Free Loans

If you are receiving Centrelink, you may be eligible for a Centrelink interest-free advance payment. This is done through The Department of Human Services. A Centrelink advance allows you to get part of your Centrelink benefit early, which you then repay, interest-free, out of your future benefits.

If you do not qualify for a Centrelink advance payment, you could still apply with Nifty for a personal loan. Nifty regards regular Centrelink payments as a form of income, therefore, you could still be approved for your loan.

What Can I Use My Interest-Free Short Term Loan For?

At Nifty, we don’t provide interest-free loans. However, we could provide you with a fair and competitive rate on a personal loan. There are many different expenses that a personal loan could cover, including everything from a weekend trip to home improvements! If you’re unsure whether you could be eligible shoot us a message.

Interest-Free Short Term Loans For Vet Bills

Bet you weren’t expecting that. Yes, we could provide cash if your pet needs a sudden trip to the vet. As most of us know, pet expenses are hardly ever a cheap experience. Often there is no way of controlling when they could pop up. When you have to rush your puppy to the vet because he/she has consumed half a block of Cadbury Dairy Milk, reach for your smartphone and apply for a short term loan with Nifty.

We don’t provide interest-free loans, however, we guarantee you will get a fair rate on a personal loan. If you apply during normal business hours, we could even give you an answer within 60 minutes of your application and the cash could be in your account by the end of the day.

Interest-Free Loans For Engagement Rings

If you’re ready to pop the question don’t let finance stand in your way. Engagement rings can be very pricey, but Nifty could have the cash you need. Why compromise on what they really want? Make the moment special. A short term loan with Nifty could be the answer.

We can’t provide interest-free loans, however, we can guarantee you a fair and reasonable rate on a personal loan. You can apply right now and we will get an answer to you as soon as possible – it could even be within 60-minutes (during business hours). Need the cash fast? No worries. If you apply during regular business hours we may be able to transfer the cash on the same day. Access to funds, however, is dependent on inter-bank transfer times.

Interest-Free Short Term Loans For Education Costs

Maybe you’re heading back to Uni, or maybe you need some cash for expensive school uniforms? Whatever the education expense, Nifty could have the cash you need right now!

We do short term loans for education costs. A loan for education costs could be the difference between struggling with finance and having the freedom you deserve. The last thing you need to worry about when trying to study is cash.

At Nifty, we have flexible repayment options. Although we can not provide interest-free loans, we can assure you a fair rate on a personal loan. That means our lenders will do the best they can to find a loan product that will suit your situation.

What Type Of Interest-Free Personal Loans Can I Apply For?

At Nifty, we can’t offer you an interest-free loan – however, we can offer you a reasonable and fair rate on a personal loan. We offer three different types of loans based on how much you can borrow. These are small, medium and large:

Small Interest-Free Short Term Loans

At Nifty, our short term loans are between the value of $300 and $2,000. Small loans are repaid over a period of 3-9 months. Additionally, small loans at Nifty are unsecured. That means you don’t need to attach equity to your loan application. This is especially handy if you don’t own a car, motorbike, caravan or boat.

Medium Interest-Free Short Term Loans

Medium loans at Nifty are between $2,001 and $4,600. These loans are repaid over a period of 13 to 24-months. Security may, in some cases, be required for a medium personal loan.

Large Interest-Free Short Term Loans

Large loans with Nifty are to the value of $5,000. The repayment period on a large loan is also 13 to 24-months. Equity may be required to be attached as security.

You can always contact our team if you have any questions regarding your loan application.

Who Can Apply For Interest-Free Personal Loans?

At Nifty, we can’t provide you with an interest-free loan – however, we will guarantee you a fair rate on a personal loan. At Nifty, we keep our application criteria pretty simple…

  • You must be over the age of 18;
  • An Australian citizen or permanent resident;
  • All applicants must have received a steady income for the last 90-days into your own bank account;
  • An active email address and mobile phone number.
  • What You Will Need To Apply…

    We keep the application process super simple. That means you could complete it in a matter of minutes. If you want to make it even easier, we suggest having these things with you when you apply…

    • Your personal details (name, D.O.B etc.);
    • Online banking logins (so we can access read-only copies of your statement);
    • You will be asked to provide the reason why you are applying for a loan;
    • We will need your MyGov details (only if you are receiving Centrelink benefits);
    • You must be able to prove that you are an Australian citizen or permanent resident.

    Keeping Things Easy!

    Fairly simple and straightforward, isn’t it? That how we like it. Unlike traditional lenders, we won’t ask you lots of unnecessary questions. We don’t even do paper forms. Everything is 100% online.

    You can apply for a loan where and when it’s convenient for you! If you’ve got any questions regarding the process you can always send us a message.

    Apply Now!

    With Nifty, the application process couldn’t be simpler. We like to cut straight to the chase. Depending on when you apply, you could have an outcome within the hour.

    Step 1

    Scroll up and use the loan calculator to find an amount and repayment period that suits you. You will then be able to see what the weekly, fortnightly and monthly repayments could be. Once you are happy, hit ‘apply now’ to start the application form.

    Step 2

    When you’ve decided to ‘apply now’ you will be directed to our 100% online application form. You could complete this within minutes, as we only ask you to provide the basics.

    Step 3

    Sit back and relax, our team of lending experts will assess your application form. If you apply during normal business hours, you should hear from us soon.

    Step 4

    If you are approved for a loan product we will contact you immediately. We’ll send your agreement straight through for you to read and sign. It is important that you read the agreement carefully so you are aware of any fees and charges you could incur for failed or late payment.

    We encourage all applicants to contact us if they have any questions regarding their agreement. Once you have signed and sent the contract back to us we will get the funds straight into your account. This could even be on the same day – this will, however, depend on inter-bank transfer times.

    Nifty Little Loans

    We’ve helped people from all four corners of Australia get their hands on the fast finance they’re looking for. While we can’t offer interest-free loans, we can still provide great loan products with competitive rates and great service. Below are some popular search terms that have lead people to Nifty.

    Instant Cash OnlineAUD ($)700
    Quick Cash Loans OnlineAUD ($)3,700
    Fast LoansAUD ($)4,000

    Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

    What Are You Waiting For?

    So, what are you waiting for? You could apply for a loan right now! 100% online, super simple! There’s nothing holding you back.

    Want to know more? You could be eligible for a renovation loan, cosmetic surgery loan, IVF loan or even a funeral loan with Nifty!

    At Nifty, we love helping our community. Read about our Murdoch University scholarship program here!

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



- Geoff Channell


Types of loans