1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Need a loan? Apply online in 2-3 minutes – No credit checks – Nifty Personal Loans



Need some fast finance? We're here to help.

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

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Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor 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.).

If you need a loan – you need Nifty Personal 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 Personal Loans will be there to help.

Why should I choose Nifty if I need a loan?

1. We can get you a loan today

Because Nifty Personal Loans is 100% online – When you need a loan, you can request anywhere anytime by simply completing the 2-3 minute online application. 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 Personal Loans we have a dedicated team of just about everything’s!
So if you can’t get a link to work, don’t know how to apply from your smart device, need help attaching 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.

3. We will save you 25% every month

That’s right!
When your Nifty loan is approved you’ll see that our monthly fees are only 3%.
Our competitors’ monthly fees are set at 4% – which means you save 25% every single month on your repayments.

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!

4. 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.

5. No credit check – ever

If you need a loan, we don’t ask you if you’ve had trouble in your past – why would that matter?
All our team need 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.

6. 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 Personal Loans.

As a responsible lender, you can trust that Nifty will only ever give you a loan that is suited to your situation. We will not give you a loan for no reason or that’s more than what you need.

See! Nifty is the best – we told you there was no doubt!
But seeing is believing.

To truly see why Nifty Personal Loans is Australia’s fastest growing short term money lender – Apply online now!
You too could have up to $1000 in your bank today!

TO QUALIFY FOR A NIFTY PERSONAL LOAN – YOU ARE:

At least 18 years of age.

An Australian Citizen or Permanent Resident.

A recipient of a regular income into a personal bank account.

Receiving at least $400 per week or $800 per fortnight from an employer or Centrelink.

Here’s how our fast personal loans work

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Loan Amounts: Minimum $50 to Maximum $1,000.

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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 3%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

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Terms: Minimum 9 weeks to Maximum 24 weeks.

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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $45 (fees based on 3% per month over 10 weeks) = $645 total repayable in 10 weekly installments of $64.50.

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

WAS A REAL LIFESAVER

★★★★☆
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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