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

small loans

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. 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!

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 in need of financial services to have easy access to our 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!

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

Nifty loans could be 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 can be completed within minutes and, once received, our loan specialists will aim to have an answer within 60-minutes (during business hours). If approved, your moolah is 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 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?

They are personal loan amounts between $300 – $2,000 and 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 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. Wherever you are, Nifty Loans is always there with you.

Preparing for your application

We are very proud of our fast applications, however, 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.

Also, before beginning your application, check off our minimum requirements list. You will need to meet these minimum requirements before you apply:

  • Be over 18-years old;
  • Be an Australian Citizen or Permanent Resident;
  • Be receiving a regular income into a personal bank account for at least the last 90-days;
  • 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:

Step One: Submit online application

The first step is the quickest! 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, 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 loans application page.

And then you can begin your 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!

We believe that professional relationships (like all relationships) should be built on honesty. That’s why we’ll list all the costs, fees and charges associated with your loan in your loan contract.

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, you can find these at 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 in line with your pay schedule and 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. 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 loan specialists for your next loan!

Our 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 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 deeper 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 loan?

Absolutely! We encourage everyone who needs a small financial pick-me-up to apply for a loan. 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. As a result, we do adhere to responsible lending practices, however, we are more lenient than traditional lenders. When we assess your 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 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, due to responsible lending guidelines, if you’ve received an emergency Centrelink payment in the last 3-months, we cannot approve your application.

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. 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. Whilst, still adhering to responsible practices.

Do you do small loans for pensioners?

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 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.

Committed to quality service

We love a chat!

Here at Nifty Loans, we believe we have some of the best 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 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 outside of our business hours, then they will endeavour to return your message within 2 hours of the next business day.

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.

Let Nifty tell you a little more about bank loans.

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

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

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
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 potplant
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


large potplant
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

man sitting with phone
quotation mark


"quick approval, pleasant experience."

- Garry Smith


How customers rate Nifty's Personal Loans

Small Loans up to $5,000. Apply now! Overall rating: 4.6 out of 5 based on 232 reviews.

Types of loans