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!

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!

What is a Nifty small loan?

A small loan is a loan amount between $300 – $4,600 and is usually repaid over 24 months.

Do you do small business loans?

We do business loans for small business! 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!

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. It’s for this reason that we vow not to disadvantage you because your past we want to help you be what you want to be in the future!

Instead, we will look at a number of factors like your expenses, income stability and relationship with money.

What if I have bad credit? Can I still apply for a Nifty small loan?


Do you do small loans for people on Centrelink?

We sure do!

At Nifty we understand that life sometimes doesn’t always work out as planned and you may need to ask for a hand up.

So as long as you are getting paid regularly through Centrelink then yes, we will consider your application for a mini loan!

What about small loans for unemployed?

Yes, as long as you can show proof of a regular income weather it be a paid position or from Centrelink you are eligible to apply for a loan.

Do you do small loans for pensioners?

Yes! As long as you have a regular income we are more than happy to consider an application form from a pensioner.

Nifty has some of the most competitive and best small loans Brisbane

Here at Nifty we believe we have some of the best small loans and lending services in Brisbane.

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.

How our Nifty small loans work:

  1. Submit Application online – this part usually takes most applicants 4 minutes to complete!
  2. Get conditionally approved – based on your personal details we will determine if one of our personal loans is suitable for you.
  3. Supply supporting data – Unlike most lenders we utilise the latest and safest banking technology that will obtain 90 days of bank statements in seconds!
  4. We assess your situation – As responsible lenders we want to make sure you can comfortably pay back one of our loan products.
  5. 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.

Small Loans fast!

Once your small loan is approved you will have your funds in your account instantly!

How do small loan repayments work?

Here at Nifty we like to make life as easy and simple as we can and loan repayments are one of those things!

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!

Apply if you need a loan with us and see why thousands of Australians trust Nifty Personal 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 the small loan specialists for your next loan! That’s some seriously fast finance!

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.

Review Title
Review Content