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Just nifty loans.

Get your cash within 60 seconds of approval*

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Fast Personal Loan

up to $5,000

or

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

Estimated repayments:

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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.

Do You Need a Loan? Nifty Offers Personal Loans From $300 to $10,000

Fast finance, made easy

Nifty is an Australian lender that is committed to working with you to get the right loan – every time. We operate 100% online and could give you an outcome on your application within 60-minutes if you apply during our business hours.

Nifty is here and ready to lend to Australians who need a financial pick-me-up. We are determined to give every Aussie a fair go. So, if you’re worried about your credit score, don’t be! Nifty will assess your application based on a number of factors and can offer bad credit finance to eligible applicants.

Loans

What makes Nifty Loans different?

Well, for starters we are 100% online. You can complete our application form 24 hours a day, 7 days a week, from the comfort of your home or office! We can also give you an outcome on your application in 60-minutes if you apply during our business hours. If you are approved – you could see the cash in your bank account in just 60 seconds!* Isn’t that Nifty?

We offer $300 to $10,000 and we give you the flexibility of repayment periods ranging from 6 to 24 months.

Furthermore, 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. However, Nifty are leaders in friendly customer service. At Nifty, we put real faces on our service, we are human too, we understand that sometimes you need a financial pick-me-up.

Four factors set Nifty Loans apart:

  • We are 100% online for your convenience
  • We are 100% upfront and transparent about our rates and charges
  • In most cases, we are more lenient than traditional lenders
  • We adhere to responsible lending practices

A myriad of opportunities

You may be thinking of what kind of loan you need. Nifty offers small, medium and large personal loans. Of course, a personal loan can essentially be used for any purpose, however, we do request you state your reason for your loan. Some of our personal loans can be used for medical and educational expenses, travel and holiday expenses and various vehicle expenses, like car registration loans. If you need money fast, Nifty provides emergency cash loans and easy loans for bad credit.

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, we want to help anyone who is looking for a loan. However, we do have four requirements you must meet before you do. These are:

  • 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

Nifty’s applications are quick! Yet, if you want to add some extra speed to your application process, we recommend having these details on hand when completing your application:

  • Name, address and mobile number
  • Reason for loan
  • Internet Bank Login Details
  • My Gov 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.

What loan amounts do we offer?

Loan typeLoan amountLoan term
Unsecured$300 to $2,0006 to 12 months
Secured$2,001 to $4,6009 to 24 months
Secured$5,000 to $10,0009 to 24 months

Apply in four easy steps

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 four simple steps to follow when applying for a Nifty loan:

Step 1: Apply online

To give applicants a visual look at their loan terms, we have designed a loan calculator located at the top of most Nifty Loans web-pages. 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.

Step 2: A quick assessment

If you apply within our business hours, we will immediately process your application and can give you an outcome in only 60 minutes! Keep a keen eye on your notifications because we will send you a text or an email if we need extra info.

Step 3: Sign your contract

If your application is approved, our team will be in touch. They will send you a loan contract to read and sign before the release of funds. You must read through the agreement carefully to ensure you are aware of any fees or charges you could incur for late or failed payment. As soon as you’re happy, simply sign and send it back to us!

Step 4: Cash in 60 seconds!*

Once we have received your signed loan agreement, the funds will be transferred to your account in 60 seconds. This is provided that your bank has the New Payments Platform (NPP). If not, you can typically expect to receive your funds overnight at the latest (when signed during business hours). Yet this will ultimately depend on your banking institution. 

No hidden costs

We don’t hide costs at Nifty – all fees and costs associated with your loan will be included in your contract. For a general idea of what a Nifty loan may cost, you find our example costs at the bottom of this page, or on our costs page.

Keep in mind some loan types may have other payable fees and charges. For example, if you miss a repayment on your loan, there may be additional fees that apply. Other payable fees and costs associated with your loan will all be clearly outlined in your loan contract. If you’re still not sure about the fees and charges on your loan please don’t hesitate to contact us via our website or call on 1300 471 328.

Do you have questions about your loan?

With Nifty, 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.

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 may not necessarily reflect your current financial situation. We do perform credit checks, however, it’s not the only criteria we base our loan assessment on. We look at your current relationship with money and your spending habits to determine if you’re eligible for a loan or not. 

There is no obligation to proceed with the loan process once you have applied. If you decide to withdraw, you can do that any time before signing the loan contract without additional charges. So, regardless of your credit score, apply today and we’ll have a fast outcome for you!

Are you self-employed?

Traditional banks often bury self-employed people in paperwork, even though they might have a hefty income and a healthy credit score.

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 from other applicants. Your self-employed income just needs to be consistently paid into a personal account. And that’s it!

Unemployed and looking for loans?

Unfortunately, if you are unemployed and don’t receive Centrelink benefits, we can’t 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 borrowing options?

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 prioritised by our assessment team.

Let’s be friends

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

*Only available for NPP enabled bank accounts

 

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

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.

Read More

Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$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
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View 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
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.