Need a loan? $300 to $5,000. Apply now!

need a loan
Sometimes you need a loan when you least expect it. Like when a friend or neighbour asks you how your week has been, and you think to yourself -‘Well Mark blew a tyre on Monday, Jake needs a new pair of soccer boots, I’ve got to get Mia signed up for kindy – I’m not sure how we’re going to cover those fees – oh! and we’ve just found out Hannah is going to need braces. Why, how was yours?’

Life gets busy, and expenses pile up. Nifty understands no matter how organised you are or how much you budget – you can’t plan for everything and you may come up short. Don’t worry, there is no need to stress about money. You can submit a quick application with Nifty Loans for any unexpected expense.

So, if you need cash now, complete an application in minutes and we’ll do our best to deliver an outcome within the hour**.

In need of a loan? How much can I borrow from Nifty?

Sometimes all you need is a small personal loan ASAP for a pesky car expense that’s dropped at your feet, or you may need a larger personal loan to cover a BIG whoops. Either way, Nifty is on hand to help.

At Nifty we provide three types of loans; small unsecured personal loans of amounts between $300 to $2,000. You can repay these loans over a period of 3 to 9-months. Medium secured personal loans are for amounts between $2,100 and $4,600, which means we require you to provide an asset as security, such as motorbike, car, boat or caravan. With these larger loans, you can choose to repay them over 9 to 24 months. We also provide large secured loans of $5,000 that can be repaid over a 9 to 24 month period.

Here is a breakdown of the types of personal loans we provide:

Loan typeLoan amountLoan term
Unsecured$300 to $2,0003 to 9 months
Secured$2,100 to $4,6009 to 24 months
Secured$5,0009 to 24 months

So if you’re looking for a loan, you know that there are a couple of options to suit your financial situation.

How much does it cost to borrow Nifty Loans?

For a rough idea of what you could expect to pay on your Nifty loan, you can find examples of our basic costs for the loans listed below on our costs page.

Depending on the type of loan you apply for, other fees and charges may be payable. You may be charged additional fees if you miss a payment or default on your contract. If you want to learn more about the allowable fees and charges for small loans visit the Moneysmart website. Additionally, get in touch with our customer service team for any and all questions you may have.

Top 9 reasons why you would need a loan

If you’re googling ‘instant approval loans need cash today’, then you’re probably in need of quick cash for an unexpected expense. Here are the top 9 reasons Aussies need a loan fast:

  • Car repairs
  • Unexpected vet bills
  • Medical costs
  • Surprise travel plans
  • Debt consolidation
  • Relocation costs
  • Home improvement
  • Dental costs
  • Car registration

Most reasons for a personal loan are valid unless it’s a day-to-day expense, such as food or rent. So, if you’re in need of a loan, Nifty Loans is ready to lend a hand with an unexpected expense.

I need a loan ASAP, what do I do?

We can help you if you need to borrow a loan, fast. Just complete a fast application within minutes, and our team will get straight to work. Once we’ve assessed your application, we’ll try and get back to you within 60 minutes (during regular business hours) with the outcome of your application, provided we have all the information.

If you apply outside of our business hours, you’ll be at the top of our list when we get back in the office. We’ll extend you an offer for a loan if we approve your application. Then all you have to do is review, sign and accept your electronic contract. Once we have received your signed contract, you could have the money you need in 60 seconds*.

How can I get an easy loan?

When you need a loan fast, you can submit an application in minutes. Before you apply though, check below to see if you meet our these four basic requirements:

  1. At least 18-years of age;
  2. An Australian citizen or permanent resident;
  3. You will also need a consistent source of income deposited into a personal bank account for 90-days, at least;
  4. An active mobile number and email address.

What documents do I need to apply for Nifty Loans?

When you apply with Nifty, you will need to provide us with a few pieces of information to help us process your application:

  • Your internet bank details;
  • My Gov details (if applicable);
  • Your mobile number and email address;
  • If you are borrowing between $2,100 and $5,000, you can also provide details about your security asset. This will include information about the make, model, year of the car and its registration number.

With this information handy when you apply, you’ll breeze through your application. So, get started today by scrolling up and using our smart loan calculator.

Why should I choose Nifty Loans?

There are several reasons people choose Nifty as their trusted online lender. Here are a few reasons our clients love Nifty Loans:

We can get you a loan today

Nifty Loans is 100% online – When you’re looking for a loan, you can request anywhere anytime by simply completing the online application. Within business hours, our team can have your loan approved within 60 minutes and have your money in your bank within 60 seconds*. (when you accept your contract during business hours).

Award-winning customer service

Our quality customer service team has won the Word of Mouth service award in 2016, 2017 and 2019! There are always on hand to help with any enquiry. So if you can’t get a link to work, don’t know how to apply from your smart device, need help to attach a document, or just want to ask a question – we are here to help.

Repayments are easy

Our loan team is really good at what they do – so when your loan repayments are calculated, we will work with you to find out your pay cycle – to minimise the risk of failed transactions and additional fees on your loan.

Furthermore, all of your repayments will be set up as a direct debit – so you can focus back on living your life. You just need to nominate the preferred date that you would like your payments to come out of your account. This can either be on a weekly, fortnightly or monthly basis, but we generally set up your payments to come out of your account to match your pay cycle so that’s one less thing to worry about. The only thing you need to do is keep track of your repayments so you know how the loan is progressing.

No early exit fees

Another great benefit of getting a loan from Nifty is that if you want to pay your loan off early, you can! Plus, we won’t charge you early exit fees. Then, if you’re looking to apply for a loan at another time, you can always apply again.

How do you get a loan with bad credit?

You apply with Nifty! We guarantee every applicant a fair go on the loan they need. If you’re googling ‘bad credit loans with no guarantor needed’ or ‘need a loan now please help’, then you may be worried about your credit score. Fortunately, you can stop the search because you’ve found a lender that can help.

If you need a loan but keep getting declined, we can say ‘yes’ to bad credit. We don’t believe a person’s past history with credit should get in the way of their current relationship with money. Instead, we look at an applicant’s recent financial history via their bank statements as well. We find that this gives us a more accurate representation of your current relationship to finance.

Do we offer no credit check loans?

If you apply for a personal loan, we will do a credit check. However, here’s why that’s not the end of the world. We also look at your current relationship with money. You see, we look at more than just your credit score and loan history. We look at your expenses and current relationship with money, too!

Do we offer unemployed loans?

As part of our commitment to responsible lending, we cannot approve an applicant without a regular income. We do, however, guarantee every applicant a fair go, so if you receive Centrelink benefits, then we may be able to help. So if you’re googling ‘unemployed need money now’, then you’re welcome to apply with Nifty Loans.

Things to do before you get a loan

While getting a loan with Nifty is super quick and convenient, it is always essential to ensure that you are prepared for the commitment you are about to make when you decide to borrow money.

Here is a question to ask yourself before you choose to borrow money: Can I fit the repayments into my budget? It is important to ask yourself if you can fit the repayments into your budget. You’ll want to make sure you can afford your repayments each time. If not, you will end up having to pay expensive penalty fees and may even end up getting yourself into a dangerous debt cycle.

Have you met the eligibility requirements?

Before you apply for a loan, check that you have met the eligibility requirements. Otherwise, you may have trouble completing our application.

Do you have a specific purpose in mind for the loan?

If you need a loan to pay for one thing in particular, then getting a loan is fine, however, if you don’t have any purpose in mind and are just borrowing money to pay for your day to day expenses then maybe getting a loan is not the best decision to make for the current time. Perhaps speak to your phone or utility providers about reducing your repayments.

Do small amount loans work?

As a responsible lender, you can trust that Nifty will only ever give you a loan that is suited to your situation. As responsible lenders, we will never approve a loan that you can’t afford to pay back, nor will we give you a loan if we deem a Nifty loan to be an unsuitable solution to your problem or reason for a loan. See! Nifty Loans are the best – we told you there was no doubt! But seeing is believing.

To truly see why Nifty Loans is Australia’s fastest-growing short term money lender – Apply online now! You too could have up to $5,000 in your bank today!

Want to know more about getting a personal loan comparison? Click here

*Only available for NPP enabled bank accounts

**subject to when you submit your application

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

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

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
VIEW EXAMPLE

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
VIEW LOAN DETAILS

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
VIEW EXAMPLE

Medium Loan Example

Loan amount:$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

Large Loans

$5,000

Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
VIEW EXAMPLE

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Great when in need very helpful

"Thank you for giving me a chance nifty helped me out when in desperate need to repair my car, I'm very grateful. I highly recommend these guys I am a very happy customer thanks again."

- Jay

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Types of loans