No paperwork loans up to $4,600? 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?

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(%)

What are no paperwork loans?

Have you been thinking about applying for a personal loan but you really can’t be bothered with all the hassle and paperwork? Does the idea of having to go a find a printer, trying to get your bank statements printed or hunting down those elusive payslips put you off applying for a cash loan? We understand! It would deter us too. There’s nothing more frustrating than needing cash fast, but having to worry about finding all the relevant paperwork. That’s why Nifty Loans specialises in fast loans no credit check no paperwork loans! We’re on a mission to make a paper-free application process the norm! Fast loans no credit check no paperwork – No problem!

Nifty fast loans no credit check no paperwork are loans that are 100% online.

Yes, we’re 100% online! This means that there is no physical paperwork to hand to a branch or manager like a traditional lending institution. Not only does this mean that you don’t have to spend hours hunting down paperwork, but you can also rejoice in the fact that you can also make your application from the comfort of your own home! That’s right, no more standing in line at a branch, or trying to get there after work, but before the branch closes (stressful isn’t it). You don’t even have to put on pants if you don’t want to! Not only will no one be the wiser, but we won’t judge either. Think of Nifty Loans as your new happy place.

How do I apply for one of your no paperwork loans

It couldn’t be easier to apply for fast loans no credit check no paperwork is required. Now, we must warn you that we do credit checks, but we work a little differently to other lenders. Although we’ll take a look at your credit history, good credit or bad credit loan applications are still put forward to our assessing team. They look at your current financial situation to make sure that you’re able to reasonably afford the loan and that you’ll be able to pay it back without hassles.

The whole point of our cash loans no paperwork loans is to make it as easy and simple for you as we can. All you need to do is scroll to the top of this page and hit the APPLY NOW button and fill out our 4-minute no fuss application form! We’ll get some supporting (online) documentation from you during your application and then you’re done!

And did we mention that you can make your application from almost any device? Yes, you read correctly. Whether you’re on the run and don’t have time to swing home to get to your computer, or you just really don’t want to leave your cuddly nook on your couch, you can apply from any device, from anywhere. Are you on a tight schedule but need a no paperwork loan fast? No worries! Just make your application from your smartphone or tablet and you’re all set! See, we told you it would be easy.

What’s the eligibility criteria for one of your no paperwork loans?

To be eligible to apply for a no paperwork loan we require the following:

  • You need to be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Have a regular source of income being deposited into a personal bank account
  • Have an active email address and mobile number

You can scroll to the bottom of this page to verify your eligibility for one of our no paperwork loans!

How are fast loans no paperwork loans processed at Nifty?

We make it super easy and fast for you as our application and loan processing all happens online!

Once you have completed and submitted your fast loans no credit check no paperwork loans application online it will come straight through to the assessment team.

Once the assessment team has assessed your application (usually usually within 60 business minutes) (during business hours) you will receive an outcome for your application. Don’t panic if it takes a little longer than 60 minutes as we may just require some additional information or documentation from you.

How will I know if my fast loans no credit check no paperwork loan has been approved?

If your fast loans no credit check no paperwork loan has been approved, Nifty Loans will email you a formal contract for you to sign. No need to worry about printing, signing and sending your contract back to us as all of our contracts are signed digitally! Once you have digitally signed your contract it automatically comes back to us. How easy is that? Once we receive the signed copy back, your funds will be released to your bank account shortly after. The time it takes for your funds to clear into your account are subject to normal interbank transfer times.

What kind of fees does Nifty Loans charge?

Here at Nifty Loans we pride ourselves on the fact that our loan products are not only super affordable but that we don’t have any hidden fees or costs. We believe in being 100% transparent when it comes to all costs and fees. Put simply, what you see is what you get. So what are the fees involved I hear you ask?

We have 2 different loan types.

Small amount unsecured loans

For our small amount unsecured loans of $300-2000 we charge:

  • A 20% establishment fee
  • A 4% monthly fee that will be applied on the anniversary date of your loan every month

That’s it! We don’t charge any other fees like some other lenders do.

Medium amount secured loans, $2100 – $4600

Our medium amount secured loans are charged a little differently. You can expect:

  • An establishment fee of $400
  • An interest rate of 48% per annum. Keep in mind that the more you pay off of your loan, the less interest you will be charged.

Just remember, that if you’re interested in applying for one of our larger short term loans no credit check no paperwork loans of $2100 – $4600, you will need to provide a vehicle that we can use as security as they are secured loans.

Should you have any more questions about how loans in Australia function you might find your answer at the Australian Government website – Moneysmart

Can I get a cash loans no paperwork loan if I am receiving Centrelink benefits?

Yes you sure can!

As long as you are receiving regular income into a personal bank account, you will be eligible for one of our no paperwork loans!

Do you do credit checks for your no paperwork loans?

Yes, we do conduct credit checks. As responsible lenders, who have your best interests at heart, we believe in looking at all the factors associated with no paperwork loans. So while credit checks are important, we also believe that everyone deserves a fair go and that credit checks aren’t the be all and end all. Afterall, sometimes things happen outside of our control that can negatively affect your credit report. We do look at other criteria as well. This includes your current relationship with money and how you’re handling your current finances and commitments.

So even if you do have bad credit in your credit history, we take into account how you have changed your banking habits for the better. How do we do this, I hear you ask? By looking at your most recent 90 days of banking history! If we can see that you’re back on your feet and handling your finances well, we may be able to help you out, despite your credit history.

If you see other lenders advertising “fast loans no credit check no paperwork” we suggest being wary as they may be less than reputable. Here at Nifty, you can be sure we have your best interests at heart. We are 100% compliant with legislation and are here to help you, not put you in financial distress.

How do my no paperwork loans repayments work?

Repaying your no paperwork loan couldn’t be easier! We set up your repayments to be automatically direct debited in line with your income day. We do everything for you so you don’t have to worry about remembering any upcoming repayments.

Once your loan is repaid in full the direct debits will stop automatically, it’s that easy!

Will I be charged any fees if I pay out my loan early?

Not at all!

Unlike some traditional lenders such as banks and other lenders, we do not charge any additional fees if you pay off your loan early. And remember, the earlier you pay off your loan, the more you will save on monthly fees! It’s a win-win situation for you.

So if you decide to pay extra towards your loan or pay your loan off early, that’s great! We’re here to help you, not hit you with a bunch of unnecessary fees that will cause your loan to drag on!

We also put a huge emphasis on awesome customer service, happy customers and fast loans!

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

What if I can’t afford to make some of my repayments?

Nifty Loans is here to help you from the beginning of our journey together, all the way through to the end. We don’t run if things get a little tough.

We understand that sometimes things happen that can affect your ability to make your repayments. If this happens to you, the best thing to do is to get in touch with us as soon as possible. The more warning we have that you need to amend your repayments, the more we will be able to help you out. With at least 24 hours warning we will be able to adjust your repayments for you, to help you get back on your feet.

Our customer service team are here to help out any way they can and they’re incredibly understanding if this situation does happen to arise. After all, we’re human too and we know how these unexpected things can happen. So whether you’ve lost your job, had your hours cut or an unexpected expense or situation has arisen that will affect your ability to successfully make your repayments, give us a call. We’ll help out any way that we can. Our goal is to help you out by providing you with a loan, not put you in financial distress.

Nifty Loans is a lender that you can trust!

At Nifty Loans, responsible lending is incredibly important to us. Not only are we 100% compliant with all relevant legislation, but we also have our own set of strict lending rules. This criteria ensures that our loan products are right for you. If we don’t believe that one of our loans products is right for you or your current financial situation, we won’t approve you. It’s as simple as that. We’re here to help you, not make your financial situation worse. And if we are able to approve you for a loan, we won’t lend you more money than you can afford to repay. You can be confident that we have your best interests at heart.

We pride ourselves on being leaders in customer service. We have a dedicated team of customer service stars to help you out with any questions or queries you may have.

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 citizen or permanent Australian resident. Have a regular source of income. Over 18 Years of age. Have access to an active mobile phone and email address.
What repayment terms do you offer? Up to 24 months. Repayment terms will vary depending on each applicant’s financial situation.
Loan types available Fixed Personal Loans
Lender Nifty Personal Loans

So, what are you waiting for?! If a no paperwork loan sounds like what you’re looking for, scroll to the top of this page and start your journey to success with Nifty Loans.

Wait, before you go – remember that if you’re looking for no credit check loans, you’re in the right place. We will do a credit check but will be able to look at so much more than just your past. Off you go, then. 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.

Able to give us a 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 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.


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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