Need a loan? Apply online up to $4,600 in 2-3 minutes. Bad credit applicants welcome. 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(%)

If you need a loan up to $4,600 – you need Nifty Personal loans

If you need a loan up to $4,600 – you need Nifty Loans

We have all been there. 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?’

We get it – life is hard! And if you’re like the rest of us and haven’t received your crystal ball in the mail, then it won’t matter how organised you are with your money – you can’t plan for everything.

On this day – Nifty Loans will be there to help.

If I need a loan how much can I borrow from Nifty?

At Nifty we do two types of loans, we do small unsecured personal loans of amounts between $300 to $2,000. You can repay these loans over a period from 3 to 6 months. The other medium secured personal loans are for amounts between $2,000 and $2,001 and $4,600, which means we require you to provide an asset as security to be tied to the loan. With these larger loans, you can choose to repay them over 13 to 24 months. So if you need a loan, you know that there are a couple of options to suit all your needs at Nifty Loans.

Need a loan with bad credit? No worries. When you need a loan, you’re welcome to apply with Nifty Loans regardless of your credit history. We’ll do a credit check, but we’ll also look at how you currently manage your finances and then check whether the fact that you need a loan is enough for us to grant you one. This is because we’re responsible lenders so we look at whether you can afford a loan, without being placed under unnecessary stress. So, if you need a loan with bad credit, look no further than Nifty Loans.

How much does it cost to borrow Nifty Loans?

When you need a loan, you’ll want to know how much it costs to borrow. Well at Nifty our cost structure varies slightly between the two different loans we do here. This is what our personal loans look like:

Small unsecured personal loan

With Nifty it costs an establishment fee of 20% plus additional fees of 4% per month for the duration of the loan term. Therefore if we take an example, let’s look at borrowing $600 that you want to repay over 3 months.

  • You will need to pay an establishment fee of $120
  • Total monthly fees will equal $72
  • Therefore the total repayment amount will be $792
  • You can either repay your loan in weekly installments of $66, fortnightly installments of $132, or monthly installments of $264

Medium unsecured personal loan

With our larger loans of up to $4,600, there is an establishment fee of $400 plus additional fees of 48% per annum. The comparison rate is 66.0347% based on a ($2,500 for 2 years with a $400 establishment fee). So if we take an example of borrowing $3,000 that you repay over 18 months:

  • Your establishment fee will be $400
  • Additional fees will total $1,378.87
  • Therefore the total repayment amount will be $4,840.14
  • Your repayments will, therefore, be $61.27 per week, $122.77 per fortnight or $268.21

The only other costs to keep in mind is a penalty fee of $27.50 for any missed direct debits.

If you want to learn more about the allowable fees and charges for small loans visit the Moneysmart website.

Need a loan with bad credit? This might be the answer for you! Being able to secure a loan against an asset means you’re far more likely to be approved. Not sure? Apply and we’ll take a look!

I need a loan ASAP, what do I do?

We can help you if you need to borrow a loan as soon as possible. All you have to do is fill out the application form which you can find at the top of the page. The great thing is that it only takes 4 minutes of your time to complete.

Once we’ve assessed your application, we’ll get back to you within 60 minutes with the outcome of your loan application. 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 accept the loan contract we send to you.

Who can apply for Nifty Loans?

When you need a loan, you will want to make sure you have met all the eligibility requirements. To be eligible for a loan you need to be:

  • At least 18 years of age
  • An Australian citizen or permanent resident
  • You will also need to be receiving income for at least 90 days prior

What documents do I need to apply for Nifty Loans?

In addition, you will need to provide us with a few pieces of information to help us process your application:

  • 100 points of ID – find out what is required to make up 100 points of ID right here
  • The internet banking logins of your bank account so that we can look at your most recent financial history
  • Your mobile number and email address
  • If you are borrowing between $2,001 and $4,600, you will also need to provide details about your security asset. This will include information about the make, model, year of the car and its registration number.

What can I use my loan to pay for?

Need a loan? The great news is that you can use your loan to pay for anything you need the sky’s the limit. Though here is a list of some of the most common reasons people borrow loans from Nifty:

Why should I choose Nifty Loans?

There are several reasons people choose Nifty as their personal loan provider. That’s because there are a lot of great features that you can enjoy with our Nifty Loans. Here are some of them:

1. We can get you a loan today

Because Nifty Loans is 100% online – When you need a loan, you can request anywhere anytime by simply completing the 2-3 minute online application form. Within the next business day, our team can have your loan approved within 60 minutes and the money will be your bank account within 24 hours in most cases.

2. We’re here to help

At Nifty Loans we have a dedicated team of just about everything!

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 form, or just want to ask a question – we are here to help 8am – 6pm Monday to Friday.

If you have a query outside these times – just send us an email or an online enquiry and we will get back in touch with you the next business day.

What’s makes this even better is that we don’t have hidden fees or charges, even if you decide to pay out your loan early!

Just pay the outstanding balance and walk away – or better yet apply for a brand new loan and get your life back on track sooner!

3. Repayments are easy

Our loan approvals team are really good at what they do – so when your loan repayments are calculated we will work with you to decide which day is best for your repayments to be taken out – 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, it depends on when your pay cycle is, but we suggest setting up the payments to come out of your account to match your pay cycle.

4. 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 any early exit fees! Then, if you need a loan at some other time, you can always apply for a loan again with us.

I need a loan with bad credit, can Nifty help?

The answer is yes! That’s because we don’t believe a person’s past history with credit should get in the way of their current relationship to credit. Instead, we like to look at a person’s recent financial history over the past 90 days. We find that this gives us a more accurate representation of your current relationship to finance.

Do you do no credit check loans?

If you need a small loan, we will do a credit check. However, here’s why that’s not the end of the world. All our team needs to assess your application are your bank statements for the past 90 days and a Centrelink income statement if you receive one.

Then we will consider your application and if the loan is sound we will approve it. You see, we look at more than just your loan history. We look at your expenses and current relationship with money, too!

We don’t expect you to have an established credit history

Being young is not your fault and it definitely doesn’t mean you shouldn’t get a loan.

If you’ve ever thought ‘I have no credit but need a loan’ – then we encourage you 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 important to ensure that you are prepared for the commitment you are about to make when you decide to borrow money. Here are some questions to ask yourself before you decide to borrow money:

Can I fit the repayments into my budget?

If you need a loan, it is important to ask yourself if you can fit the repayments into your budget. You’ll want to make sure you are able to 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 a met the eligibility requirements?

Check that you have met the eligibility requirements before you apply. Otherwise your loan application won’t be approved.

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 any purpose in mind, and are just borrowing a loan to pay for your day to day expenses then maybe getting a loan is not the best decision to make for the current time.

Final words

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 comfortably afford to pay back, nor will we give you a loan if we deem a loan not to be a suitable 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 $4,600 in your bank today!

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

How customers rate Nifty’s Need a Loan?

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

5 Star Customer Service

5 5 1
I have used a few companys now, but have never had such good service, when i put my first application through they called me and explained why I was knocked back, it was because I was over comitted, when the loan finished I applied with Nifty, I was approved very quickly and for the same loan over the same amount of time the repayments were cheaper. It made my day

Great friendly service

5 5 1
I couldn't afford my repayments for a while as I was having a few personal issues - I spoke to Barry who provided me with a number of options and was really understanding and helpful- thanks Barry


4 5 1
Great no hassle !! They are awesome helped me out a lot . Better then most queensland cash lenders 🙂 thank you .. Happy customer !!”

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