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.

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 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!

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 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 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 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.

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
  • My Gov details (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 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 for nifty small loans:

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 small loans application page.

And then you can begin your small 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 small loans application.

Step Three: We assess your application

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 – If you’re approved the money will be transferred to your account on the same day. Deposit times may vary depending on which bank you are with. If your small loan is approved you can expect the funds within 24 hours, provided the contract is signed before the close of business.

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 three 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 of your principal
  • Missed repayment fee: If you fail to make a repayment, a $27.50 dishonour fee will be added to your loan balance

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 likely 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 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 small 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!

Also, 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 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 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 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: 8 am – 5 pm AEST

Friday: 8 am – 4 pm AEST

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.

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%
Max Comparison Rate: 199.43%

Small Loan Example

Loan amount: $1,000
Terms: 12 Months,
(50 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts: $2,001 - $4,600
Terms: 13 - 24 months
Establishment fee: $400
APR: 48%
Max Comparison Rate: 67.41%

Medium Loan Example

Loan amount: $3,000
Terms: 18 Months,
(78 weekly repayments)
Establishment fee: $400
Total other fees: $1,379.06 (reducing interest)
Total payable: $4,779.06
Weekly installments: $61.27

Large Loans


large potplant
Loan amount: $5,000
Terms: 13 - 24 months
Establishment fee: $400
APR: 21.24%
Max Comparison Rate: 48%

Large Loan Example

Loan amount: $5,000
Term: 18 months,
(78 weekly repayments)
Establishment fee: $400
Total Interest: $2,027.80
Total payable: $7,027.80
Weekly installments: $90.10

Who we've helped

Small Loans up to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 20 reviews.

Who we've helped

Small Loans up to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 20 reviews.
parents teaching daughter to ride bike
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5 star service

"I applied for a cash loan, and got approved. The money was in my account the same afternoon I applied. I can say that the people I was talking to over the phone were knowledgeable and easy to communicate with. I will definitely recommend Nifty Personal Loans to my friends."

- Shane


How customers rate Nifty's Personal Loans

Small Loans up to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 20 reviews.

Types of loans