Small Loans up to $5,000. Apply Now!

small loans

Where is the best place to get a small loan?

At Nifty Loans, we love helping Aussies with quick outcomes to loan enquiries that they need. Nifty could provide a great deal on a fast cash loan online today! Nifty could even provide you with a one hour loan when you need cash fast! Nifty Loans offers small cash loans for when you need speedy cash.

We can help give you a boost to improve your cash-flow or help you secure that awesome deal. You could even get a fast cash loan online today! Nifty could even provide you with a one hour loan when you need cash fast! Speedy loans online are our specialty!

We offer quick loans from $300 to $2,000, with a repayment period between 3 to 9 months. We want to empower every Aussie who is in need of financial services with easy access to a simple loan application. We’ve made borrowing easy, so you have time to do what you do best.

Nifty loans could be the solution when you need access to small cash loans, fast. You may be thinking, “but I need money now!” Well, don’t fret, our application can be completed within minutes and, once received, our loan specialists will aim to have an answer within 60-minutes (during business hours). Our loan process is 100% online, so you can apply anytime anywhere. If approved, your cash will be on its way to your nominated bank account. It’s that easy!

That’s Nifty.

We’re the experts

At Nifty Loans, we want to reach all Australians that are having financial difficulties. We can help give you a boost to improve your cash-flow and sort out some of those pesky bills and unexpected expenses.

When it comes to small cash loans Nifty Loans is your one-stop-shop! We offer a quick application, fast approval and easy repayments. It’s borrowing made simple.

What are small loans?

Micro loans are personal loan amounts between $300 – $2,000 and usually repaid over 3 to 9 -months. Our small fast loans are customizable and flexible. To begin your application, simply propose your own loan terms by choosing whether you’d like to pay weekly, fortnightly or monthly and the loan period. With Nifty Loans, you are in the driver’s seat. We give you flexible loan options, so you can see what suits you.

Nifty Loans wants to cultivate a loan experience that is easy and positive. A loan service that assists Aussies who simply need a helping hand. Our business is 100% online; you can apply on the go with your smartphone. You could even complete our online application on your lunch break. Wherever you are, Nifty Loans is always there with you.

How do I get a small loan fast?

We are very proud of our fast applications. If you want to give your application an extra boost, we can help! Before you begin your application, have this information handy:

  • Name, address and date of birth;
  • Reason for your loan;
  • Bank account details;
  • My Gov details (if applicable).

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

Before beginning your application, you’ll need to check off our minimum requirements list. These minimum requirements must be met before you apply;

  • All applicants must be over 18-years old;
  • Applicants must be able to prove they are an Australian Citizen or Permanent Resident;
  • You must be receiving a regular income into a personal bank account for at least the last 90-days;
  • An active mobile number and email address are required.

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 do I get a small personal loan?

You can secure a small personal loan by applying with an online lender that is ready to give you a fair go. That’s Nifty Loans. Start your search for a fast personal loan by submitting a fast application, and we’ll let you know whether we can help in no time!

To apply for the loan you need, simply follow these 3 easy steps:

Step One: Submit An Online Application

The first step is the easiest! We have found that our application is easy to understand, fast and efficient.

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, choose 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 loans application.

Step Two: 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 application.

Step Three: We Assess Your Application

We utilise the latest and safest banking technology to obtain read-only copies of your 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 – if we approve your application, we will extend you an offer. All you need to do is review and sign the contract, and then we’ll transfer your funds. You could receive your funds the very same day (provided we receive your contract back during business hours). Fund processing times are subject to interbank transfer times. The latest you may receive your money is overnight*.

No hidden costs!

If your application is approved, all costs will be outlined in your contract. That’s why it’s important to have a good read through your contract before you sign it. At Nifty Loans, we offer three types of loans. Small personal loans, medium secured personal loans and large personal loans. If you’re after a quick buck to bridge the gap this month, then a small unsecured personal loan may be just what you’re looking for.

At Nifty Loans, we offer three types of loans. Small personal loans, medium secured personal loans and large personal loans. If you’re after a quick buck to bridge the gap this month, then a small unsecured personal loan may be just what you’re looking for.

To see some examples of our basic costs, head to the bottom of this page. Depending on what type of loan you apply for, other fees and charges may be payable. If you miss a repayment or default on your contract you may be charged additional fees. If you are not clear on the fees and charges associated with your loan, please get in contact with our team of loan experts. They’re happy to answer any questions you may have.

How do 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 repayments.

Your payments will be automatically deducted from your account via direct debit. Our team will arrange these deductions so they are 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! The only thing you need to worry about is ensuring the funds are available in your account on your repayment day.

At Nifty, 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 Today!

So what are you waiting for apply now! It will take you less time than making a cup of coffee and you can do it from your living room or office. Choose Nifty Loans, the loan specialists for your next quick cash loan.

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

Have more questions? Head over to our MoneySmart, to discover more info about personal loans.

Can I get a small personal loan with bad credit?

Absolutely! If you have bad credit or worried about your credit score, you may find yourself googling small loans “>no credit check – we get it. That’s why we look at more than just your credit score when you apply. If you need a service that is hassle-free and has zero paperwork, then we’ll do our best to help you.

We do perform credit checks but don’t let that deter you from applying for small fast loans. Nifty is proud to be a responsible lender. What does that mean? Basically, we’ll always do the right thing by you.

When we assess your loan application, we look at your past and present finances, including your income and expenses. So, whether you have bad credit or receive Centrelink, we encourage you to apply for the loan you need, and we’ll do our best to help.

Do you do credit checks on your 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 beyond bad credit, and take a look at your current relationship with money.

Do we offer small loans for people on Centrelink?

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.

When you apply with Nifty, we take a realistic look at your finances. If you’re receiving Centrelink payments we definitely encourage you to apply. Our team will conduct a thorough and fair assessment to determine whether or not a personal loan is the right option for you. Unfortunately, without conducting an assessment we can not give a direct ‘yes’ or ‘no’ answer as to approval. That being said, you can be guaranteed that Nifty will do their very best to match you with a loan product that is right for your individual circumstances.

What about small loans for unemployed?

At Nifty, we take our commitment to responsible lending practices very seriously. Therefore, if you’re not receiving a regular income, we cannot approve your application. 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, even if you have bad credit or receive Centrelink.

Do small loans for pensioners exist?

Yes! You’ve reached that coveted 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 from a pensioner. We do adhere to responsible lenders practices, which means we will conduct a thorough yet fair assessment of your loan application. At Nifty, we want to see how you are going to repay your loan – that’s the most important part.

We want to set our clients on the road to financial freedom, not create debt. So, if we conclude you cannot repay your principal then we cannot approve your application. The Nifty team will, however, do their very best to get you the best possible outcome.

So apply today for a hassle-free loan experience, and submit an application without attaching pesky zero paperwork. We pull all the info we need to assess your application, electrically!

Committed To Quality Service

We’re always on hand during normal business hours to assist with any enquiry.

Here at Nifty Loans, we believe we have some of the best lending services around.

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 say 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 or future loans. However, our loan specialists have to sleep, so if you apply or have an enquiry outside of AEST business hours, then we will get back to you ASAP on the next business day.

Outstanding service is what the Nifty team strives for. 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. We want to make personal loans accessible to all Aussies. Our team 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 the 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.

Now, let Nifty tell you a little more about bank loans.

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.

*Only available for NPP enabled bank accounts

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews


"Helpful easy recommend to all 100% grateful."

- Lisa hoolahan


Types of loans