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

No paperwork loans up to $2,000? Not a fan of paperwork? Do you find all that finance fine print a little daunting? Then Apply Now for one of our Nifty no fuss, no paperwork loans!

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

Weekly

Fortnightly

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.).

What are no paperwork loans?

Nifty no paperwork loans are loans that are 100% online.

Therefore there is no physical paperwork to hand into a branch or manager like a traditional lending institution.

How do I apply for one of your no paperwork loans

It couldn’t be easier!

All you need to do is jump onto our website and hit the APPLY NOW button and fill out the 4 minute no fuss application form!

Are there any pre-requisites to being approved for one of your no paperwork loans?

There are only a few minor requirements to be eligible for a Nifty no paperwork loan.

You need to be 18 years of age, an Australian resident and have a regular source of income over $400/week or $800/fortnight!

We have a Nifty slider at the top of the page that will show your eligibility for one of our no paperwork loans!

How do you process your no paperwork loans at Nifty?

Our application and loan processing all happens online!

Once you have completed your no paperwork loans application online it will then come through to the processing department.

Once it has been processed (usually within 60 minutes) you will receive a yes or no answer.

How will I know if my no paperwork loan has been approved?

Once your no paperwork loan has been approved, Nifty will email you a formal contract for you to sign and once we receive the signed copy the funds will be released into your account instantly.

What about your fees?

Our monthly fees are 25% less than most of our competitors because of our super smart cutting edge technology.

We also want your return business, so we want to make your experience with Nifty a good one!

Do you perform credit checks on your loan applications?

No!

Here at Nifty we believe your credit history should be just that, history!

We understand that sometimes life can throw up unexpected obstacles and sometimes people just need a hand up to get back onto the path of financial success.

Can I get a no paperwork loan if I’m on Centrelink payments?

Yes!

As long as you are receiving at least $400 a week or $800 a fortnight into a personal bank account, you will be eligible for one of our no paperwork loans.

How will I know if my no paperwork loan has been approved?

Once your no paperwork loan has been approved, Nifty will email you a formal contract for you to sign and once we receive the signed copy the funds will be released into your account instantly.

How do I know if this is the right product for me?

Who is this product for? Those who are looking for a fast processing short term loan with no paperwork
To be eligible to apply for a no paperwork loan you must be? A permanent Australian resident. Have a regular source of income over $400/week or $800/fortnight. Over 18 Years of age.
What repayment terms do you offer? Range from 9 weeks to Maximum 24 weeks. Repayment terms will vary depending on each applicant’s financial situation.
Loan types available Fixed Personal Loans
Lender Nifty Personal Loans

What about my loan repayments?

That couldn’t be easier!

Once your no paperwork loan has been accepted we will set up a direct debit straight from your account of an agreed amount.

This way you won’t have to remember to pay a bill!

Once your loan is paid back it will stop automatically!

Now that’s Nifty!

What fee’s will I be charged if I pay out my loan early?

None!

You will not be charged any additional fees if you pay off your loan early.

You will actually be saving money on monthly fees!

Finally we want your Nifty experience to be a good one because we want your return business!

So we put a huge emphasis on awesome customer service, happy customers and fast loans!

So if you have any questions or queries in regards to your no paperwork loan or application please don’t hesitate to call our friendly customer service team here at Nifty!

What are you waiting for jump online now and start your journey to success with Nifty finance and Apply Now!

How to qualify for a nifty personal 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.

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

Q

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.).

Q

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

R

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

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $100 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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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) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

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Loan Amounts: Minimum $2001 to Maximum $4,000.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 12 months to Maximum 18 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty’s No Paperwork Loans?

nopaperworkloans Overall rating: 4.5 out of 5 based on 4 reviews.

Best small loan company!

★★★★★
5 5 1
Nifty is by far the best small loan company! No hassle, no fuss, no back and forwards- just straight to the point... or should I say money! I have recommended nifty to all of my family and friends for those unexpected times and I know they will have a great experience like me.

excellent

★★★★☆
4 5 1
I have found the nifty team to be quick helpful friendly and always try to exceed there expectations.

Perfect for smaller loans

★★★★★
5 5 1
There was no messing around with nifty.. easy to apply with a quick response and funds were transferred quickly.. will always consider them when I'm in need of a loan.
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no paperwork loans