Loan Calculator | Calculate Your Loan Repayments | Apply Now!

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Fast Personal Loan

up to $5,000


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

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Loan Calculator: Estimate Your Loan Repayments

What is a loan calculator?

A loan payment calculator provides an estimation of the costs associated with your proposed loan. It’s an easy way to see how much you can potentially afford to borrow and also a simple way to begin your application. Applying for the cash loan you need in minutes is possible with Nifty’s loan calculator

To begin your application for quick loans, find our borrowing money calculator located at the top of this page. Select how much you wish to borrow and for how long. You’ll see an estimation of your repayments displayed as weekly, fortnightly or monthly. Once you are happy with your proposed loan, click the ‘Apply Now’ button and you can continue your application.

How do you calculate a loan payment?

The loan repayment is calculated by combining the principal amount owed, as well as incurring interest or monthly fees agreed upon by you and your lender. Generally, you can choose to make your repayments weekly, fortnightly or monthly. 

Use our loan interest calculator to see how much your loan could potentially cost you. When you apply with Nifty, our loan repayment calculations are an estimation of your possible costs. If approved, you’ll receive a detailed description of costs in your contract. We are 100% transparent and upfront about all possible fees and charges and these will always be displayed in your contract.

It’s possible with Nifty

Nifty Loans is an online lender dedicated to giving every Aussie a fair go at the fast cash loan they need. Apply online in minutes, receive a smart decision within the hour** and money straight to your bank in 60 seconds.* So whether you have poor credit or receive Centrelink benefits or a pension – Nifty is the trusted lender that has your back. You can apply for a personal loan from $300 to $10,000 using our borrowing calculator, and the repayment period will depend on how much you choose to borrow. 

Whether a kitchen pipe has burst or your best bud has swallowed something they shouldn’t have, if you want to apply for money quickly, anytime, anywhere – you want Nifty Loans.

Who is eligible to apply with our loan calculator?

Nifty Loans is committed to helping everyday Aussies have access to the finance they want. Before you apply for an easy loan, there are a few requirements to meet. 

To apply for you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have a regular income into a personal account for at least 3 months
  • Have an active mobile number and email address

So, if you meet the requirements above, then you’re eligible to apply with Nifty. You can apply anytime, anywhere. We’re 100% online, so we’re here whenever you need us. If you do apply outside of regular business hours, we’ll get to your application first thing on the next business day.

What do you need to complete your application?

We’re all about making life easier. Bills pile up, and unexpected expenses pop up, so you need a lender that works fast – seriously fast. With Nifty, complete an application in minutes, just have these details handy when you apply:

  • Personal contact details (e.g. mobile number and email address)
  • The reason for your loan
  • Internet banking details
  • MyGov information
  • Employment contact details

Furthermore, if you have this information handy when you apply, you won’t need to get up mid-application. Instead, complete your application in minutes for the loan you need now.

What types of personal loans do we provide?

Nifty Loans offers three types of personal loans; small unsecured loans, as well as medium and large secured loans. We offer personal loan comparison so you can choose a loan type that suits you.

So, before you apply, take a look at each personal loan type and compare personal loan rates to see which suits you best.

Type of loan Loan amount Loan term
Unsecured $300 to $2,000 6 to 12 months
Secured $2,100 to $4,600 9 to 24 months
Secured $5,000 to $10,000 9 to 24 months

You can compare loan rates of the different loans we provide via our costs page. Keep in mind these figures are an estimation and may differ depending on your financial situation. Some loan types may have other payable fees and charges. If you do miss a repayment, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.

How to apply with our loan calculator?

Our smart personal loan calculator is simply one piece of our fast personal loan process. We’ve also developed a seamless assessment process, with secure bank technology to access all the info we need electronically – so there’s no need to submit stacks of paperwork! When you’re after cash, fast – you can count on Nifty to give you a fair go and a quick loan outcome. 

Apply online for the personal loan you want in three simple steps:

Step 1: Complete an online application

To begin your application, use our loan repayment calculator located at the top of this page and select how much you wish to borrow and for how long. You’ll see an estimation of the repayments of your possible loan in weekly, fortnightly and monthly calculations. This gives you a good idea of what your personal loan may cost and what you can afford. Once you are happy with your proposed loan, click ‘Apply Now’. You’ll be taken straight to your application, where we’ll ask you to fill in a few more details then hit submit!

Step 2: Wait 60 minutes for your decision**

After you submit your application, we get straight to work. As our team assesses your application, we adhere to responsible lending practices, while giving every applicant a fair go. We do our best to deliver a decision within 60 minutes**. If it takes us a bit longer, we may need additional information to assess your suitability for our loan product.

Step 3: Money in 60 seconds*

If you’re approved, you can have your loan straight to your bank in 60 seconds*. It’s possible with Nifty. Money in 60 seconds* is powered by instant banking and available to all NPP enabled bank accounts. When the unexpected strikes, you don’t need a loan in days, you need it now. So, apply in 3 steps, and if approved, have your cash in 60 seconds.* That’s Nifty.

If you have any questions about our loan process, have a chat with our friendly customer service team. We’re always happy to help.

How do you make repayments?

If your application is approved, our team will set up a direct debit with your preferred bank account. You can choose the day that suits you, so if you wish to align it with your payday, you can. With an application, you can complete in minutes, fast decisions, money in 60 seconds* and automatic repayments, why wouldn’t you choose Nifty?      

Do we conduct credit checks?

As part of our responsible lending policy, we do conduct credit checks on all our applications. However, don’t let that deter you from applying for the cash you need. We’re not your average lender – we don’t automatically say no when we see a number.

So, do you provide bad credit loans?

We do provide personal loans for people with bad credit! We may conduct credit checks; however, we’re a bit different to your average lender. When the bank says ‘no’, we can say ‘yes’. As part of our assessment process, we look beyond your credit score and assess your current relationship with money, including your income and spending habits. We electronically access a read-only of your bank statements, so we can give you a fair go on the quick loan you need.

We’re committed to giving every Aussie a fair go, whether they have poor credit, or receive a pension. Nifty Loans looks at the big picture, not just one criterion – we do our best to deliver the outcome you need, quick. 

When you’re looking to compare bank loans, skip the banks and opt for a small lender with a big difference. A lender that looks at the big picture to give you the loan you need, while adhering to responsible lending. Choose Nifty. Scroll up to our loan calculator to select the amount you’d like to borrow!

Do you provide debt consolidation loans?

Yes, we can provide customers with debt consolidation. Bundle multiple repayments into one single payment with a Nifty debt consolidation loan. Use our refinance loan calculator to apply as per usual, and note debt consolidation as the reason for your loan. Take the stress out of your debt and apply today!  

What are the top reasons to apply for a personal loan?

  1. Car repairs
  2. Unexpected bills
  3. Relocation costs
  4. Wedding finance 
  5. Holiday expenses
  6. Debt consolidation
  7. Car registration
  8. Medical bills
  9. Dental costs
  10. Urgent white goods

Did you know when your air-con brakes in the middle of a Brisbane summer, or you’re fiending for a little weekend getaway you can apply with Nifty for a quick loan? You can practically apply for any reason, aside from day-to-day expenses such as food or rent. 

Whether it’s an unexpected bill or a ‘treat yourself’ weekend – Nifty Loans is the lender that has your back. If you’re unsure about whether your reason for a loan is valid, ask our team – they’re the experts!

Why choose Nifty Loans?

Do you want a seamless application? Fast, smart loan decisions and cash in 60 seconds* upon approval? Nifty Loans is the lender for you. Every step of our loan process is 100% online for your convenience. 

Here are just some of the top reasons to apply with Nifty:

We’re 100% online

From start to finish, our loan process is entirely online. The application, assessment and approval. No need to visit a branch, submit physical paperwork, or have drawn-out phone calls. Our customer service team is on hand if you need us, otherwise, just send your application, and we’ll contact you via email! Apply on the go or from the comfort of your couch with a cuppa in hand.

Cash in 60 seconds*

Powered by instant banking, Nifty Loans can deliver cash to your bank in 60 seconds*. The New Payment Platforms was introduced by the Reserve Bank of Australia to enable instant banking. Cash in a flash, so you can get back to what you do best.

Apply in minutes

When an emergency strikes, what you don’t need is a lengthy application with endless hoops to jump through. What you do need is a quick online application powered by secure banking technology that can you submit in minutes. You need Nifty Loans. Complete your application using our loan calculator without the hassle of submitting paperwork or visiting a branch. Begin the fastest application you might ever submit now.

Ready to apply?

Great! To get started with your application, use our personal loan calculator located to the top of this page and select how much you wish to borrow and for how long. We’ll do our best to deliver a decision within an hour** and if approved, you can have your money straight to your bank in 60 seconds*. It’s possible with Nifty. Don’t let the kitchen flood – apply now.

*Only available for NPP enabled bank accounts

**subject to when you submit your application


Apply Now

Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
View Loan Details

* 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.