Loans Comparison Rate With Nifty. See What We Could Do For You, Today

Loans Comparison

The loans comparison rates on Nifty’s products are some of the most competitive out there. Specifically, Nifty can provide you with personal loans, ranging from $300 to $5,000. Interested? Well, find out more for yourself. You could be eligible for a quick loan today!

What Is A Comparison Rate?

A loans comparison rate is a percentage figure that helps borrowers compare the costs of a loan. Therefore, it reduces the interest rate plus most of the fees and charges down to a single percentage figure, this then allows you to compare loan products from different lenders.

In short, a loans comparison rate makes life easier for borrowers. So, instead of trying to crunch numbers in your head to figure out the best deal, comparison rates could be a useful tool in finding the best deal.

Welcome To Nifty

The world of online lenders can often feel like a scary place. It seems like one minute you’re trying to dodge crazy interest rates and hidden fees, then next, you’re just trying to figure out if a lender is even legitimate.

Pretty much, they all claim to have the product for you. Essentially, all these lenders are going to claim that their loan product is the best, and you shouldn’t look anywhere else. Well, if there was ever a truism of online lenders, it would be, ‘if it sounds too good to be true, it probably is’.

We’re Nifty, and we are a lender with a difference. Put simply, we know our loans are great, so we don’t have to pretend to be anything else. Therefore, we’ll always be completely upfront about our loans, and what we’re able to do for you.

So, are you after a competitive loans comparison rate? Well, you’ve come to the right place.

Nifty’s Debt Consolidation Comparison

If you’ve been searching online for ‘debt consolidation comparison’, chances are you’re looking to consolidate your debts. Well, we don’t blame you. We know how difficult it can be to have to manage multiple debts. Especially if you start missing repayments, then those late payment fees can really start to snowball.

If you have multiple debts on multiple loans, all with different repayment schedules, a debt consolidation loan could make life a lot easier. How does it work? Well, if you take out a debt consolidation loan with Nifty, we’ll combine all your existing debts into one, more manageable repayment. In other words, instead of having four repayments to worry about in a month, you’ll only have one.

Like the sound of that? Well, why not get started and see what Nifty can do for you? Check out our loans comparison rate and see the Nifty difference.

Used Car Loan Comparison

Thinking of getting a set of wheels? Congratulations. There’s no feeling quite being handed a set of keys to your new car. Finding finance for a used car, however, is less exciting.

Now, we aren’t going to claim that Nifty makes taking out car finance exciting, but, we can say we make it easier. So if you’ve been searching online for ‘loan comparison calculator’, why not check out our used car loan comparison rate? Just see what we could do for you.

It is important to compare loans before you make a big purchase. Luckily, comparison rates make it easy.

Eligibility Criteria

Before you can compare loans with Nifty, there are a few basic criteria you’ll need to meet before you can start applying. So, before applying, just make sure that you:

  • Are at least 18-years old;
  • Are an Australian citizen or permanent resident;
  • Have been receiving a regular income for at least 90-days;
  • Have a valid contact number and email address;
  • Possess a personal bank account with internet banking set up.

Meet all of that? Awesome! You’re one step closer to applying for a Nifty personal loan.

What Do I Need With Me When I Apply?

During the application, we’ll need you to provide certain pieces of information. So, If you want to really breeze through the Nifty application form, here are a few things you should keep handy:

  • Bank account details;
  • Personal contact information (mobile number, active email address etc);
  • Your reason for applying;
  • Employment information.

If you have all of these details handy, the application should only take you a few minutes to complete. Alternatively, if you have any questions about our application process, feel free to send us an email at

How To Apply For A Nifty Loan

If you’re happy with Nifty’s personal loans comparison rate, you can apply for one of our loans in a few minutes. Here’s how:

Step One: Complete Application

Scroll up to the top of this page to use our loan comparison calculator. Here, you’re able to select the amount you’re thinking of borrowing, as well as your ideal repayment terms. Next, click the ‘apply now’ button.

Step Two: We Assess Your Application

Once you have completed the application, our assessment team will get to work reviewing your information. Additionally, if you apply during normal business hours, you may get an outcome within 60-minutes. Alternatively, if you apply outside of these hours, we’ll get to it when we’re back in the office.

We Transfer Your Loan

If you approve your loan contract during normal business hours, we’ll aim to transfer the funds on the same day. Generally, you should receive your loan within 24-hours of approving the loan contract. Again, this is dependent on when you approved the loan, as well as inter-bank transfer times.

Nifty Offers Bad Credit Loans

We get that when you’re looking loans comparison rates, you can feel like your bad credit will automatically disbar you from applying. Well, we’re here to tell you that we will always do our best to focus on the positives.

We understand that your past mistakes don’t reflect who you are today. Therefore, when we assess a loan application, your credit score is not the only thing we focus on. We understand that anybody can have less-than-impressive credit. However, that doesn’t mean that they should be automatically excluded from the loan process.

So, if you’ve checked out Nifty’s loans comparison rate, and like what you see, why not consider applying? Put simply, we’ll do our best to focus on your current relationship with money, and your ability to repay your loan.

Benefits Of A Nifty Loan

If you’ve been exploring loans comparison rates of different lenders, you’ll start to feel like they’re all pretty similar. Well, there are several benefits of taking out a Nifty personal loan. We’ve listed just a few to give you an idea:

Same Day Response

After so long in the game, Nifty realises that when people want a personal loan, they want it quick. That’s why we’ve built our loan process to be as quick as possible. So, if you apply for a loan during normal business hours, we’ll try to get back to you with an outcome within 60-minutes. Additionally, if you apply outside of these hours, someone from our assessment team will get to it as soon as we’re back in the office.

No Early Payout Fee

Some borrowers like to pay their loan off early. At Nifty, we think that’s great and we appreciate this. Therefore, you won’t be charged any fees for an early exit on your loan. In fact, you might even be able to save a couple of bucks by paying the loan off early.

All Purpose Personal Loans

You can use our personal loans for virtually anything. There are a few expenses that, by law, we cannot provide you with a loan for. However, if you need extra money for anything from car repairs, home repairs, holidays or medical expenses – we’re happy to help.


All our loan products are transparent. At Nifty, we won’t try to hide any fees or charges from you. All payable fees and charges will be included in your contract. Additionally, if you have any questions about your contract, you’re free to call our customer support team before you sign anything.

Simple Repayments

We’ve designed our repayment system to be as simple as possible. We’ll set up a direct debit that will automatically come out of your account on a nominated day, either weekly, fortnightly or monthly. By doing this, you won’t have to worry about repayments. Once you’ve repaid your loan, the direct debit will automatically stop. Simple as!

Loan Comparison

We’ve already helped thousands of Aussies get the finance they’re looking for. Below are some examples of the loans we’ve provided to people all over across the country.

Instant Cash Loans OnlineAmountApproved
Fast loans onlineAUD ($)700
Instant cash onlineAUD ($)2,200
Cash loans for bad creditAUD ($)5,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Additional Fees And Charges

There may be additional fees and charges payable on your loan. These will be outlined in your contract, however, if you have any questions regarding the terms and conditions of your loan, please do not hesitate to get in contact. A member of our customer support team will happily walk you through the ins and outs of your loan.

Get In Contact

If you have any questions about anything you’ve just read, you can visit our FAQ page to see if we’ve already answered your query.

Otherwise, please send us an email via the form on our contact us page. Alternatively, you can give us a call on 1300 471 328.

Want to find out more? You could be eligible for a travel loan, IVF loan or even a bad credit loan.

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

Great when in need very helpful

"Thank you for giving me a chance nifty helped me out when in desperate need to repair my car, I'm very grateful. I highly recommend these guys I am a very happy customer thanks again."

- Jay


Types of loans