Nifty Loan Applications! Get The Cash You Need Today…

loan application

Life doesn’t always go as planned. When hit with unexpected expenses and unforeseen circumstances, you can get caught between a rock and a hard place. At such a time, you may look to online lenders.

If you apply for a loan with banks or traditional lenders, they’ll most likely require you to fill in mountains of paperwork. Their loan applications can be lengthy and time-consuming. Once you have submitted your application, you may have to wait days or, in some cases, even weeks to get an outcome on your application. To top it off, the outcome is almost always a ‘no’ if you have bad credit.

At Nifty, we know how much you hate filling lengthy loan applications and waiting for days to get an outcome from lenders. That’s why we have simplified the loan application process. Our simple application form could be completed in minutes, and it’s 100% online. Just brew a cup of coffee and start filling in the details. You’ll be done before your coffee gets cold. That’s not all! Once you have submitted the application, our team will start evaluating it. You could even receive an outcome within 60 minutes (during normal business hours). So, when you apply for a loan with Nifty, you don’t have to go through tremendous amounts of paperwork or wait for days to get an outcome.

Personal Loan Application

Our personal loan applications are super easy and fast, you could even complete it within a few minutes. The application processing time could be as quick as 60 minutes (during normal business hours). If we receive your loan application outside of normal business hours, we’ll evaluate it first thing the following business day. Rest assured, we will deliver an outcome on your application as soon as possible.

Online Loan Application

Our loan application process is 100% online and extremely easy. The best part is that you don’t have to worry about misplacing paperwork. Not only that, but you can apply at any time from anywhere on your computer, tablet or smartphone. If you need some cash fast, then applying with Nifty could be the right option.

Simply open our website, provide some details about yourself, state the amount you would like to borrow from us and the reason for getting the loan. Choose your repayment plan. If you are not sure about repayment amounts, use our online calculator as it’ll provide a good indication of your repayment amount.

We’ll use your bank statements to assess your financial position and determine whether you qualify for the loan. Bank-level encryption is used by our banking portal to ensure that your information is 100% safe.

That’s it. Once you submit the application, our team member will assess it and could give you an outcome within 60 minutes (during normal business hours). If you don’t receive an outcome within 60 minutes, don’t panic as some applications may take a bit longer. In some cases, we may require more documentation from you for your application.

Easy Loan Application

Are you short on cash due to an emergency situation or an unexpected expense? At Nifty, we understand that it can be hard for Aussies to manage their expenses when unexpected emergencies rear their ugly heads. When life throws curveballs at you, you may not have any other alternative besides applying for a loan. We may be able to help you get out of the dire situation with our personal loans.

Our aim is to help you in your time of need, we make the loan process as stress-free as possible. If you are looking to borrow some cash, then applying with Nifty for a hassle-free lending process would be the right choice.

Traditional lenders may leave borrowers buried in paperwork. Unlike them, we ensure that you don’t waste your time completing lengthy applications. We only ask for most important details from you to ensure that you’re able to complete the application within minutes.

As responsible lenders, we thoroughly assess your financial situation before approving you a loan. We don’t want to trouble you with a loan that you can’t afford to pay. We don’t want to put you in more of a pickle. Our aim is to help you. So, if you need to borrow money, apply with Nifty today.

Don’t Worry About Bad Credit

Borrowing money for unexpected expenses becomes hard when you have bad credit. Banks and traditional lenders may reject your loan application outright without giving it any serious consideration. They’ll most likely close their doors on you when they see that you have bad credit. However, this doesn’t mean you can’t qualify for a loan with Nifty.

At Nifty, we believe that the credit score of a borrower isn’t everything. Mistakes made in the past shouldn’t hurt your future and bad credit shouldn’t be a lifelong punishment. If you are responsible with money now, you deserve to be given a chance to borrow cash. That’s why we give you a fair go regardless of your credit score.

We do check your credit score when you apply for a loan with us, but we won’t judge you based solely on that. We consider different factors when assessing your application and credit score is just one of them. This means that you may be able to qualify for a personal loan with Nifty if you can show us that your current financial situation is in the green zone. If you have been responsible with money, you may be able to get a loan from us. So, don’t hesitate to apply for a loan with Nifty even if you have bad credit.

Loan Application Requirements

If you want to apply for a loan with us, there are a few eligibility requirements you must meet. You can apply if you:

  • Are at least 18 years old
  • Are an Australian citizen or a permanent residentHave been receiving a regular income into a personal bank account
  • Have a valid contact number and email address

Click here to read more about how you could get a quick loan today!

Loan Application Checklist

We have a simple application because we want to make it easy for you to borrow money. You can complete our application within a few minutes. However, before you start, have these important details handy to breeze through your loan application:

  • Internet bank login details
  • Your contact information like mobile number and active email address
  • Reason for getting the loan
  • Employment information

You should be able to fly through the application if you have this information at hand. If you have any questions about the application, send us a message via our Contact page.

Loan Application Example: How To Apply?

Applying for a loan with Nifty takes only a few minutes. Just follow these simple steps to apply:

Step 1: Submit The Application

Click here and use our loan calculator to select the amount you need to borrow and the time you need to pay it back. Done? Now click the ‘apply now’ button and complete the application. Don’t worry as this only takes minutes to complete.

Step 2: We Assess The Application

Once you have completed the application, our experts will review it to determine if you are eligible for the loan. You could get an outcome within 60 minutes (during normal business hours).

Step 3: We Transfer The Funds

If you are approved, we will transfer the funds the same day (if approval comes during normal business hours). Access to funds is subject to inter-bank transfer times.

Benefits Of Getting A Loan From Nifty

Why you should complete our application and apply for a loan with Nifty. There are many reasons why we are a cut above the rest. But, we don’t want to brag, so we’ll give you a bite-sized preview of what you get when you borrow from us.

Fast Response

At Nifty, we offer loans with no fuss. We make the lending hassle-free to ensure that you get money fast when you are in need of some cash. In case you’ve any question or problem, you can talk to our customer service staff. You could get an outcome on your application within an hour (if you apply within business hours). If you apply outside of normal business hours, we’ll get back to you with a response as soon as we are back in the office. Read more about how a smart loan from Nifty could help you today!

No Early Payout Costs

Some borrowers like to pay off their loan early. That’s great and we appreciate this. If you want to pay off your loan early, you can do this without paying any extra charges. We don’t charge anything for an early payout. In fact, you might be able to save a few bucks by paying off the loan before the end of the term.

No Hidden Fees

One of the great things about us is that there are no hidden fees on any of our loan products. We are totally transparent when it comes to fees and charges. You can be confident that you’ll be provided with all the fees in your loan contract once you’re approved.

All Purpose Loans

You can use our loans for almost any purpose. Whether it is for a medical emergency, car repairs, home repairs, holidays or a dental procedure, we’re happy to help you out.

Simple Repayment

When you borrow from Nifty, you won’t have to set reminders to make repayments. That’s because you’ll be set with a direct debit that’ll automatically come out of your account in line with an agreed upon schedule. This way you won’t have to worry about repayments. When you fully repay your bad credit loan, the payments stop automatically.

Before You Apply…

You might need to borrow money for some reason, but that doesn’t mean you should get a loan without considering a few important things. Ask yourself these questions before you decide to borrow.

Can I Make The Repayments?

Before you apply for a loan with Nifty, determine whether you can fit the loan repayment into your existing budget. Although we’ll do a complete financial assessment, it’s important to run some checks on your own.

Do I Agree to Terms and Conditions?

Once you’re approved for the loan, we’ll extend a loan contract with all charges and fees. Read everything in the contract including the terms and conditions before you sign it.

What Your Loan Could Cost You?

When you’re approved for a loan with Nifty, we’ll extend you a loan contract with all possible costs and charges. Costs differ depending on the borrowed amount. So, before completing your application, check out what your loan could cost you.

Keen to read more? Find out how you could borrow money online instantly!

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

Excellent company and easy to deal with.

"Great company to deal with. Easy to apply and great rates for those times when you get a little stuck. Quick approval and all around a great company. Highly recommend nifty and i will definitely be back in the future."

- Jaimee


Types of loans