Loan needed? Introducing Nifty Loans!

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

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

Looking for an Online Loan – Introducing Nifty Personal Loans

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 Australia’s fastest growing short-term loan lender and we are 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 also offer loans between $300 to $4,600 and offer you the flexibility of repayment periods up to 6 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:

1. Nifty Loans is 100% online for your convenience
2. We are 100% upfront about all our loan costs
3. We are 100% more lenient than traditional lenders, whilst adhering to responsible lending practices.

A myriad of opportunities

You may be thinking 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
  • Bank account details
  • Centrelink statements (if applicable)

With all this information on hand, you’ll 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 bank accounts details to access a read-only copy of your bank statement and expenses. This helps our loan team correctly assess your application to see if you’re suitable for a loan. We use the latest in safe banking technology to access a read-only copy of your finances, so no need to fret about the safety of your information.

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 4-minute 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 email if we need extra info.

Step 3: Decision within the hour

We assess your application and provide you with an outcome within 60 minutes! So, catch up on your latest Netflix binge whilst we assess your application. When assessing your applications, we are adhering to responsible lending practices. We are looking 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 accept your online contract and we will transfer the money to your bank account. We utilise the latest in safe banking technology to direct debit your funds straight to a nominated 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 bill. 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. Charged per month until the outstanding balance is settled
  • Other fees: If you fail to make repayments once they are due, your account will be debited $27.50

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 faires have to sleep, so if you ring outside our business hours, they will endeavour to return your enquiry within 2 hours of the next business day.
When you call Nifty, you can call through to our team 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
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 is difficult to be approved by a traditional lender. That’s why we see most Centrelink payments as regular income (as long as you’ve been receiving it for the last 3 months).

However, there are a few Centrelink payments we do not accept as income. We see them as temporary sources of income. These payment schemes include Youth Allowance, Newstart, Austudy and Farm household allowance.

Have bad credit and need loans?

We may be able to help you out with an instant 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. The only requirement is that your self-employed income is paid in a personal account. And that’s it!

Unemployment and Nifty Loans

Unfortunately, if you are unemployed 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 process will be even quicker. As we have already done the necessary checks on your application, we process you faster!

We know that some financial situations cannot be fixed by one quick loan. We all have those days when one coffee just isn’t enough!

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?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

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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