Loan needed? $300 to $5,000. Bad credit OK! Apply 24/7


Nifty Loans is a loan company that operates 100% online. We are here and ready to provide loans to Australians who need a financial pick-me-up.

If you’re nodding your head, then welcome! we’re glad you have found Nifty Loans. We are an Australian short-term loan lender that is committed to working with you to get the right loan – every time.

What’s the Nifty loans difference?

Well for starters we are 100% online. So, our application can be completed 24 hours a day, 7 days a week and all from the comfort of your living room or office!

We offer loans between $300 to $5,000 and give you the flexibility of repayment periods ranging from 3 to 24 months.

Furthermore, we are leaders in friendly customer service. Here at Nifty Loans, we won’t treat you like a number or a liability. The finance industry has a tendency to count people as numbers, statistics, and dollars. At Nifty Loans we put real faces on our loans, we are human too, we understand that sometimes you need a financial pick-me-up.

Whether you’re employed or get your income from Centrelink we can look after you.

Three factors set Nifty Loans apart:

  • Nifty Loans is 100% online for your convenience
  • We are 100% upfront about all our loan costs
  • In most cases, we are more lenient than traditional lenders, whilst also adhering to responsible lending practices.

A myriad of opportunities

You may be thinking of what kind of loan you need. To help alleviate some of the stress at Nifty we offer these loans:

Of course, a personal loan can essentially be used for any purpose, however, we do request you state your reason for your loan. We have a duty of care to our clients to make sure that our products are suitable for them. If you have any questions about why we need the info we need, you’re welcome to contact us at any time.

What you need to know before applying for a Nifty loan

At Nifty Loans, we want to help anyone who is looking for a loan, however, unfortunately, we do have 4 little requirements you must meet before applying for a loan.

To apply for a loan, you must check off these 4 requirements:

  • You must be over 18 years old
  • Must be an Australian Citizen or Permanent Resident
  • You must be receiving a regular income into a nominated bank account for the last 3 months
  • Have an active mobile number and email address

Once you’ve checked off all these requirements you’re ready to apply for a Nifty loan!

Nifty’s applications are quick, lightning quick! However, add some extra speed to your application process, have these details on hand when completing your application:

  • Name, address and mobile number
  • Reason for loan
  • Internet Bank Login Details
  • My Gove details (if applicable)

With all this information on hand, your application will be a breeze.

Why do we ask for your bank details?

You may be wondering why we ask for your bank account details, and rightly so. In an age of internet security, the priority to protect your information has never been higher. We ask for your banking details so our system, using the latest safe banking technology, can access  read-only copies of your bank statements. This removes the hassle of gathering paper statements and makes the assessment process much more efficient. We do not gain access to your internet banking password/account, this information is encrypted, secured and only used to retrieve your bank statements.

You’re ready to apply

Now, you’re ready to apply for a loan. Nifty Loans has designed an easy and fast application process to help get your finances sorted quicker. There are 4 simple steps to follow when applying for a Nifty loan:

Step 1: Apply online

To begin your application, have a play with our loan calculator located at the top of each Nifty Loans webpage. To give applicants a visual look at their loan terms, we have designed a loan calculator.

Firstly, select how much you wish to borrow and for how long. Then, select whether you’d like your repayments to be weekly, fortnightly, or monthly. Happy with your loan terms? Click Apply, to be transferred straight to our application page.

Furthermore, complete our quick and simple application form. So why not brew a hot cup of coffee whilst completing your application, and it will be ready once you’ve finished!

Step 2: A quick reassurance

After you apply, we will let you know straight away if you qualify for a Nifty loan. And we will begin to process your application. Whilst you’re tending to your Farmville, keep a keen eye on your notifications, because we will send you a text or an email if we need extra info.

Step 3: Decision within the hour

We assess your application and try to provide you with an outcome within 60 minutes (during business hours)! So, catch up on your latest Netflix binge whilst our loan specialists do their thing. When assessing your applications, we adhere to responsible lending practices. We look for evidence, either in your income and previous finances, that you can afford to repay the loan.

Step 4: Get Paid Fast

You will hear the good news via a text or email. To receive that all-important moolah, simply review and sign your online contract and we will transfer the money to your bank account. Depending on the speed of your bank, you should receive your payment overnight, at the latest.

And that’s it! Four little steps and you have yourself a loan. We are here for all your loan enquiries!In fact, we encourage our clients to fully understand their repayments and when they’re due.

No hidden costs

We don’t hide costs at Nifty. You won’t find our costs hidden in 8 pt font at the bottom of our contract. We believe a strong customer relationship, requires 100% honesty. When applying for a loan at Nifty expect the following costs:

Small personal loans: unsecured loan starting at $300 to $2,000, and must be repaid over 3 to 6 months:

  • Establishment fee: Once-off fee 20% establishment fee. The amount will be built into repayments – you won’t even notice it’s there.
  • Ongoing fees: Monthly fee of 4% of the principal. This is charged per month until the outstanding balance is settled
  • Other fees: If you fail to make your repayments we will add an additional $27.50 to your loan balance. So, make sure to stay on top of your instant loan approval repayments

For a medium personal loan: Secured loan of $2,100 to $4,600 that requires a car, motorbike, boat or caravan as security

  • Once-off $400 Establishment fee, built into your repayments
  • An annual percentage rate of 48% of the loan principal.
  • Other fees: If you fail to make a repayment, dishonour fee of $27.50 will be added onto your account

For large secured personal loans: personal loans for $5,000

  • Ongoing fee: An annual percentage rate of 21.24% of the principal
  • Dishonour fee: If you fail to make a repayment, dishonour fee of $27.50 will be added onto your account

And that’s it, folks! Just those three costs. If you have any questions as to why we charge certain costs, please don’t hesitate to contact us via our website or call on 1300 471 328.

Do you have questions about your loan?

At Nifty Loans, all our loan specialists are on call to handle any loan enquiry you may have. However, of course, our loan specialists have to sleep. So, if you have an enquiry outside of business hours, simply send an email and we will endeavour to return your enquiry within 2 hours of the next business day. You can call through to our team at any time during business hours and we will be happy to help you.

Our business hours are as follows:

Monday – Thursday: 8:00am to 5:00pm AEST

Friday: 8:00am to 4:00pm

Saturday – Sunday: CLOSED

Your customer feedback helps us improve the service we offer – so don’t hesitate to get in touch.

Are you receiving Centrelink and looking for a loan?

Well, you’ve come to the right place. When you are receiving Centrelink benefits, it can be difficult to find a lender willing to help. We think we’re a little more lenient than most traditional lenders. That’s why we see most Centrelink payments as regular income (as long as you’ve been receiving it for the last 3 months).

Have bad credit and need loans?

We may be able to help you out with a quick cash loan. We are more lenient than traditional lenders, however, we do adhere to responsible lending practices. If you suffer from poor credit, traditional lenders may reject simply based on your past finances. However, at Nifty Loans, we understand that your past finances, don’t necessarily reflect your current financial situation. We do perform credit checks, however, it’s not the only criteria we base our loan assessment on.

Are you self-employed and looking for a loan?

Despite receiving a hefty income and having a healthy credit score, traditional banks bury self-employed people in paperwork just to receive a loan!

If you’re tired of nagging paperwork and endless trips to the bank, consider a loan from Nifty. Our criteria for self-employed people is no different other applicants. Your self-employed income just needs to be consistently paid into a personal account. And that’s it!

Unemployment and Nifty Loans

Unfortunately, if you are unemployed, and not receiving Centrelink benefits, we cannot approve your application for a loan. We adhere to responsible lending practices because we care about our applicants and we don’t want you to land in unmanageable debt. If you are struggling with unhealthy debt and need help, head over to MoneySmart, they offer insightful advice for escaping debt.

Looking for more loans?

If you’re a returning customer, don’t hesitate to apply for another loan with Nifty! We love our loyal customers, so when you apply for another loan, your application will be prioritized by our assessment team.

Let’s be friends

The vision of Nifty Loans is to provide a loan service that is fast, easy and convenient for everyday users. We want to bring personal loans to the masses and offer a product that you have no reason to be afraid of! We are more lenient than traditional lenders, so if you find yourself in a pickle, you know who to call.

No matter what little hiccups life has thrown at you we believe that you are important – and we want to help as best as we can.

If you have unanswered questions about our service, you can head to the FAQs page and see if your answer is waiting for you.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Loan needed? $300 to $5,000. Bad credit OK! Apply 24/7 Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Loan needed? $300 to $5,000. Bad credit OK! Apply 24/7 Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
quotation mark

quick personal loans service

"Extremely dependable and effective service."

- Barry


How customers rate Nifty's Personal Loans

Loan needed? $300 to $5,000. Bad credit OK! Apply 24/7 Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans