Small Loans $300 to $4,600 are our specialty! Jump online and checkout our 100% online loan products and have your needs met in 60 minutes!

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(%)

Small Loans, we do them bloody well!

At Nifty Personal Loans we believe we have the best small loan product in Australia.

We can help give you a boost to improve your cash-flow, or help you secure that awesome deal.

When it comes to small loans Nifty Personal Loans are your one stop shop!

Small loans are what we do best. We want to empower every Australian who is need of financial services to have easy access to our small loans. Nifty Loans is a loan company that is 100% online for your convenience. You can apply for small cash loans from the comfort of your bed!

Small loans are perfect for those days when rent is due, your kids need school books and your best furry friend decides to eat a battery. In between, regular bills, textbooks, and trips to the vet; sometimes finances may not add up. That’s when we come in!

Small loans are the solution when you need a tiny financial pick-me-up. You may be thinking, “but I need money now!” Well, don’t fret, our application only takes a speedy 4 minutes to apply, and you should expect to hear an outcome within 60 minutes. Once approved, your moolah is on its way to your nominated bank account. It’s that easy!

That’s Nifty.

We have small loans mastered

At Nifty Loans, we want to reach all Australians that have issues with pesky finance problems. We can help give you a boost to improve your cash-flow to make it rain all over your pesky bills and unexpected expenses.

When it comes to small cash loans Nifty Loans are your one stop shop! We offer a quick application, fast approval and easy repayments. What more do you need?

what are small loans?

A small loan is a loan amount between $300 – $2,000 and is usually repaid over 3 to 6 months. Our small fast loans are customizable and flexible. You can design your own loan terms! Choose whether you’d like to pay weekly, fortnightly or monthly and choose how long you’d like the loan for. With Nifty Loans, you are in the driver’s seat. You can decide how you’d like to repay your small loan.

Nifty Loans wants to cultivate a loan experience that is easy and positive. A loan service that assists Australians who simply need a helping hand. Our business is 100% online; you can apply on the go with your mobile or over your lunch break. Whether you are, Nifty Loans is always there with you.

Does Nifty offer small business loans?

Yes! We do offer small business loans Australia. If you are a sole trader and use a personal bank account you could apply for a loan of up to $4,600. We are a personal lending company, with great, speedy service with a smile!

Starting a side hustle can be tough, and expenses often run tight – that’s where we come in! Nifty Loans can sort you out with a small business loan, or a medium secured business loan that can get your engines roaring.

We want you to pursue what you love, and be a part of the journey.

Preparing for you small loans application

We are very proud of our fast applications, however, to give your application an extra boost, we can help! Before you begin your small loans application, here this information handy:

  • Name, address and date of birth
  • Reason for your loan
  • Bank account details
  • Centrelink statements (if applicable)

If you have all this info handy before completing your small loans applications, we promise you’ll be done in a jiffy.

Also, before beginning your small loans application, check off our minimum requirements list. We have a minimum to check off before you apply for one of our small loans:

  • Be over 18 years old
  • Have an Australian Citizen or be a Permanent Resident
  • Be receiving a regular income into a personal bank account for the last 3 months
  • Have an active mobile number and email address

And that’s it! Just 4 little requirements – nothing major! Once you’ve checked off all these requirements you’re ready to apply for small personal loans.

how to apply for nifty small loans:

Step One: Submit online Application

The first step is the quickest! Usually, our small loan application takes 4 minutes to complete.

To begin your application, find our loan calculator located at the top of each Nifty Loans webpage. Select how much you wish to borrow and for how long. Then, select how often you would like to make repayments over; either weekly, fortnightly or monthly. Once you are happy with your loan terms, click the Apply button. You’ll be transferred straight to our quick small loans application page.

And then you can begin your small loans application!

Get conditionally approved

Based on your personal details we will determine if one of our personal loans is suitable for you. We will notify once you are conditionally approved before we start assessing your small loans application.

Step Three: We assess your application

Unlike most lenders, we utilise the latest and safest banking technology to obtain 90 days of bank statements in seconds! As responsible lenders, we want to make sure you can comfortably pay back one of our loan products.

Step Four: Collect your Moolah!

Money transferred upon loan approval – Once approved the money will be transferred into your account within 60 minutes, depending on which bank you are with. Once your small loan is approved you will have your funds in your account instantly.

No hidden costs!

We believe that professional relationships (like all relationships) should be built on honesty. That’s why we are 100 % upfront about all our loan costs.

At Nifty Loans, we offer two types of loans. Small personal loans and medium secured personal loans. If you’re after a quick buck to bridge the gap this month, then a small unsecured personal loan is just the fix.

The costs of unsecured small loans:

  • Establishment fee: Once-off fee of 20% of the principal
  • Ongoings fee: Each month we will charge your account 4 – 12% of your principal
  • Missed repayment fee: Unfortunately, if you fail to make your repayments, we will charge your account $27.50

And that’s it, just three little costs. You won’t find our costs hidden at the bottom of our small loans contract, in 8 pt font. And more good news, if you repay your small personal loans early, we don’t charge an early exit fee. Plus, you’ll save on your monthly fees!

how do small loan repayments work?

Here at Nifty Loans, we like to make life as easy and simple as we can and it’s no different when it comes to small loans repayments.

Your payments will be automatically deducted from your account in line with your pay schedule, once the loan is paid out the direct debits will automatically stop. It can’t get any simpler than that! We use the latest in safe banking technology to transfer your repayments, so don’t worry. We respect your right to privacy and will not use your information without your direct permission.

Apply if you need a loan with us and see why thousands of Australians trust Nifty Loans.

So what are you waiting for APPLY NOW! it will take you less time than a cup of coffee and you can do it from your lounge room or office. Choose Nifty Loans, the small loan specialists for your next loan!

Our small loans application is lightning quick and our repayments are automatic. That’s some seriously fast finance!

Have more questions? The Australian Government website, MoneySmart, may have the answers

do you do credit checks on your small loan applications?

Yes, we do credit checks on loan applications! However, here at Nifty, we understand that life doesn’t always go to plan and sometimes unfortunate situations happen. We know that those situations shouldn’t define the rest of your financial life. So, if you meet our minimum requirements we can look past bad credit.

When assessing your small fast loans application, we will look at a number of factors like your expenses, income stability and relationship with money.

What if you have bad credit? can you still apply for a nifty small loan?

Absolutely! We encourage everyone who needs a small financial pick-me-up to apply for a small loan. If you need a service that is hassle-free and has zero paperwork, then Nifty has you covered.

We do perform credit checks but don’t let that deter you from applying for small fast loans. As a result, we do adhere to responsible lending practices, however, we are more lenient than traditional lenders. When we assess your small loans application, we look at your past and present finances. If your current income and expenditure indicate you can repay your loan, then we encourage you to apply for small loans.

do we offer small loans for people on centrelink?

We sure do!

At Nifty Loans, we understand that life sometimes doesn’t always work out as planned and you may need a helping hand to get you back on track.

We consider Centrelink payments as a regular source of income. Therefore, as long as you are getting paid regularly through Centrelink then yes, we will consider your application for a mini loan!

However, there are some Centrelink payments that we only consider temporary sources of income. If you’re unsure whether you’re Centrelink benefits are temporary or not, here is a list of Centrelink payments we don’t accept as income:

  • Austudy
  • Newstart
  • Youth Allowance
  • Farm Household Allowance

Also, if you’ve received an emergency Centrelink payment in the last 3 months, we cannot approve your application.

Therefore, we are more lenient than traditional lenders and we consider applicants that may struggle to receive financial assistance elsewhere.

what about small loans for unemployed?

We adhere to responsible lending practices. Therefore, if you’re not receiving a regular income, we cannot approve your application for small loans. However, as stated above, if you are receiving accepted Centrelink payments for at least 3 months, then we may be able to help! So, if you’re in need of financial pick-me-up chances are we can help. We are here to help you get the finances you need. Whilst, still adhering to responsible practices.

do you do small loans for pensioners?

Yes! You’ve reached that converted golden age of life and now you can finally relax! However, finances may still prove to be a struggle, even after a lifetime of work. That’s where Nifty comes in.

So, whether you want to take a cruise around the Whitsundays or take a trip to see the grandkids, look no further than small personal loans to help boost your funds.

As long as you have a regular income we are more than happy to consider an application form from a pensioner. We do adhere to responsible lenders practices, so if we conclude you cannot repay your principal then we cannot approve your application for small loans.

We love a chat!

Here at Nifty Loans, we believe we have some of the best small loans and lending services in Brisbane.
We are 100% online, so you can have a chat with us from the comfort of your living room! Say goodbye to long meetings with your bank manager and so hello to quick and easy conversations that get results.

Our specialist loan team is always on hand to help with any enquiry you have about your current small loan or future small loans. However, our loan specialists have to sleep, so if you apply outside of our business hours, then they will endeavour to return your message within 2 hours of the next business day.

Nifty’s business hours:

    Monday-Thursday: 8am – 5pm

    Friday: 8am – 4pm

    Saturday-Sunday: CLOSED

We rank customer service very high on our priority list because we want you to feel comfortable with Nifty and happy to use our services if the need arises again.

Let’s be friends!

Nifty Loans is 100% online loan company that is ready to help any Australian that is seeking a tiny financial pick-me-up. We endeavour to provide an easy and fast loan experience, so you can get back to what you do best.

If you have unanswered questions about our service, you can head to the FAQs page and see if your answer is waiting for you.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

How to qualify for a nifty small 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.

Have an active mobile number and 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

Want to know something nifty? See how it works!

How customers rate Nifty’s Small Loans?

smallloans Overall rating: 4.7 out of 5 based on 4 reviews.

Love this small loan easy affordable

5 5 1
Nifty loans are so quick at making your borrowings go into your account 5/5

Was very happy with the loan

5 5 1
Was very happy with nifty great help and money was in my bank very fast. Thank you.


4 5 1
It was wonderful to do the loan so easy and fast return. In the bank the next day.

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