Mini Loans from $300 to $4,600. Are you looking for a mini loan? Apply now!

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(%)

Are you looking for Mini Loans?

Have you found a deal you simply can’t pass up or need to pay an outstanding bill? Then look no further Nifty personal loans mini loans! Once you have submitted your loan application you can be approved and have your money mostly within 60 minutes!

What are Mini Loans?

Mini loans are a loan between $300-$4,600 and once approved can be in your account mostly within 60 minutes! We pride ourselves on being 100% online, No Fuss; fast loan service providers.

Do I need to come into a branch or office to lodge my application?

Our processing is 100% online. We have some of the fastest mini loans in Australia. Our streamlined assessment process means that your loan is assessed by a human not a computer. You can speak to one of our customer service consultants in Australia at any time throughout the process as well as during your loan repayment period.

How can we help you with your mini loan?

Are you worried about which loan to get and with whom? Are you looking for a safe mini loan from a reputable Australian company? Here at Nifty we pride ourselves in our customer service. We constantly have real customer service operators available to answer your questions and approve your loan instantly!

Mini loans in minutes!!

Here at Nifty Personal Loans we offer some of the fastest mini loans in Australia! All you need to do is jump online and fill out our mini loan application form which usually only takes around 4 minutes. Your loan amount (once approved) could be in your bank account within 60 min!

Mini Loans no credit check as a basis for approval

Do you do credit check’s on mini loan applications? Yes!

Do you do mini loans for people on Centrelink ?

We sure do! At Nifty we understand that life sometimes doesn’t always work out as planned and you may need to ask for a hand up. So as long as you are earning $400 a week or $800 a fortnight through Centrelink then yes we will consider your application for a small loan!

So how do you apply for a mini loan?

  1. Submit your loan application online – this part usually takes most applicants 4 minutes to complete!
  2. Get conditionally approved – based on your personal details we will determine if one of our loans is suitable for you.
  3. Supply supporting data – Unlike most lenders we utilise the latest and safest banking technology that will obtain 90 days of bank statements in seconds!
  4. We assess your situation – As responsible lenders we want to make sure you can comfortably pay back one of our loan products.
  5. Money transferred upon approval – Once approved the money will be transferred into your account within 60 minutes.

We are a lender you can trust!

Responsible lending is always apart of our no fuss decision, we won’t lend you more money than you can afford to repay.

We pride ourselves in being leaders in customer service. We have a dedicated team of customer service and real time support staff to help you with any questions you may have.

Mini loans Australia

Nifty is an Australian owned and operated company. You can rest assured that you will be able to speak with a customer service representative in Australia at all times.

How do I repay my Mini loan?

Repaying your mini loan couldn’t be easier! We customise your direct debit repayment in line with your income to ensure it is affordable.

Our loans are spread across a max 24 month term, which unlike other lenders gives you plenty of breathing space while you repay your loan. Once your loan is repaid the direct debits will stop automatically, it’s that easy!

Finally, customer service excellence is of utmost importance here at Nifty Personal Loans. We understand that it can be stressful taking on debt and that’s why we want to ensure all your worries are laid to rest before you take on a Nifty mini loan. Please feel free to call our dedicated customer service team, who are right here in Australia with any queries or concerns you may have. Lets get your Nifty mini loans application up and running today!

Apply for a loan with us and see why thousands of Australians trust Nifty Personal Loans.

So what are you waiting for APPLY NOW! it will take you less time than a cup of coffee and you can do it from your lounge room or office!

Choose Nifty the mini loan specialists for your next loan! Loan approval in 60 minutes? That’s some seriously fast finance!

How to qualify for a nifty mini loan

You are at least 18 years of age.

You are an Australian Citizen or Permanent Resident.

Receive a regular income into a personal bank account for at least 3 months.

Able to give us an active mobile number or email address.


Not be in financial hardship 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.).


You must not have received a Centrelink Emergency payment within the last 3 months.


If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).

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
How customers rate Nifty’s Mini Loans?
miniloans Overall rating: 4.6 out of 5 based on 5 reviews.

Thank you

5 5 1
Excellent service thanks nifty.

Nifty mini loans

5 5 1
Nifty was very easy to apply with. They were very prompt in their reply to me and I received the money into my account without delay.

5 star mini loans

5 5 1
Needed money fast and nifty gave me a chance. Will apply again when I'm sort of cash.

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