1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Loan needed? Bad credit OK! Apply 24/7

How much cash do you want?
How long do you want it for?

We will not conduct a credit check through a credit bureau.

Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
  • you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).

Looking for an Online Loan – Introducing Nifty Personal Loans

Are you tired of waiting in queues, jumping through endless hoops and cutting miles of red tape to get a loan? Have you been told again and again that your loan hasn’t been approved because the loan is too small or you’re just not their preferred customer.

Then we’re glad you have found Nifty Personal Loans. We are Australia’s fastest growing short term loan lender and we are committed to working with you to get the right loan – every time.

What makes Nifty loans great?

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

We also offer loans between $100 to $2000 and offer you the flexibility of repayment periods up to 6 months.

Furthermore, we are leaders in Customer Service. Here at Nifty, we won’t treat you like a number or a liability like our competitors. Whether you’re employed or get your income from Centrelink we can look after you.

How it Works!

Step 1: Apply online – complete our quick and simple 5 minute application form.

Step 2: Decision within the Hour! – We assess your application and provide you with an outcome, usually within 60 minutes!

Step 3: Get Paid Fast – Once your loan has been approved and your online contract is accepted, we will transfer the money to your bank account!

It’s that easy!

No Credit Enquiries whatsoever!

Here at Nifty Personal Loans there are no credit enquiries as we believe that your credit history is history and should stay that way.

Do you have questions about your loan?

At Nifty, because we are so confident that you will be happy with us – we don’t hide behind automated answering machines.

When you call Nifty, you can call through to our team any time during business hours and we will be happy to help you.

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

Not sure what type of loan you need? Here at Nifty we offer a huge range of loans including:

Am I eligible for a Nifty Loan?

Our application criteria to apply for a Nifty Personal Loan means you must be:

  • An Australian resident
  • over the age of 18
  • Earning a regular income into a personal bank account of at least $400 per week or $800 per fortnight

What if I am on a Centrelink income?

When it comes to incomes – Centrelink is okay – provided that you are on a regular and reliable payment.
(Please note that Youth Allowance, Newstart and Ozstudy cannot be considered reliable as they can be discontinued at any time.)

So what are you waiting for! Get online!

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.

So apply now and let a Nifty Loan move you onto a bigger and brighter tomorrow – TODAY!

TO QUALIFY FOR A NIFTY PERSONAL LOAN – YOU ARE:

At least 18 years of age.

An Australian Citizen or Permanent Resident.

A recipient of a regular income into a personal bank account.

Receiving at least $400 per week or $800 per fortnight from an employer or Centrelink.

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $100 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 9 weeks to Maximum 24 weeks.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

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Loan Amounts: Minimum $2001 to Maximum $4,000.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 12 months to Maximum 18 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty’s Personal Loan?

llol Overall rating: 4.6 out of 5 based on 3 reviews.

Nifty the name says it all.

★★★★★
5 5 1
I was very happy with the prompt service. Thanks for everything, really appreciate the help. Thanks for approving my loan when no other lenders would. I would definitely recommend nifty to other people out there.

Perfect, helped when i needed it

★★★★★
5 5 1
I have bad credit so i didn't think I'd get help anywhere but nifty came through with a loan. Rego due so close to Christmas i was scared the kids would miss out. They worked out the amount that would be suitable for my financial situations and great repayment amounts. Will use again if ever needed.

It has help with what i needed it for.

★★★★☆
4 5 1
Nifty was quick and responsible with the loan required. It has helped our family situation and eased the stress from us. Thank you nifty for being so prompt with your decision.
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