1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

If you are looking for Online Money Lenders that you can trust with your needs and save you money at the same time – Apply now with Nifty Personal Loans up to $1,000.

How much cash do you want?
How long do you want it for?

We will not conduct a credit check through a credit bureau.

Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor 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.).

Online Money Lenders – Nifty Personal Loans

If you are looking for online money lenders that you can trust with your needs and save you money at the same time – apply now with Nifty Personal Loans.

Money, or more importantly, having money when you need it, can make all the difference in an emergency – or when an unexpected cost comes up.

Online Money Lenders – Nifty?

In short, we are Australia’s fastest growing short-term loan money lenders offering quick unsecured personal loans between $50 and $1000 repayable over 3 to 6 months.

Looking a little closer, we are the single most awesome money lender, taking the time to get to know our customers and what you need from us to make sure we do our best by you first time, every time!

How does Nifty lend money?

We are a very hassle free, no time wasting money lenders. We can approve your cash loan application in as little as 60 minutes, and require only a 2-3 minute application, 90 days of bank statements and a Centrelink income statement if you have one, to make this happen.
To make this experience as straight forward as possible we also offer:

What can I use my money for?

At Nifty Personal Loans we understand that not all of your unexpected costs are going to be the same. Therefore, we have developed a range of money loans for when you need it most, including:

How will Nifty Personal Loans save me money?

Well, there is not just one way. In fact, Nifty Personal Loans can save you money in 3 ways.

  1. We do not charge interest on our loans
  2. There are no hidden fees and no unexpected charges, even if you choose to pay your loan out early.
  3. Unlike our competitor fees which are upwards of 4%, our monthly fees are just 3% all the time, no matter what.

Is Nifty a trusted money lender

Well we think so. We pride ourselves on being a responsible lender, so in the first instance you can trust that we will never offer you a loan that is not right for you and your circumstances.

But if you’re after a little convincing there are also the hundreds of new applications we receive every day and the excellent repeat business we have with customers coming back for second and third loans.

Not forgetting the hundreds of product reviews we have received from happy new and return customers from across the country.

Apply for money online with Nifty

But honestly, the best way for you to find out how hardworking, honest and trustworthy we are, is to fill out an application for a money loan. We will work as hard to ensure that you get the best cash advance loan from one of the most trusted money lenders in Australia.

So give us a try – We know you’ll find that we are more than the mainstream.

TO QUALIFY FOR A NIFTY PERSONAL LOAN – YOU ARE:

At least 18 years of age.

An Australian Citizen or Permanent Resident.

A recipient of a regular income into a personal bank account.

Receiving at least $400 per week or $800 per fortnight from an employer or Centrelink.

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $100 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 9 weeks to Maximum 24 weeks.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

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Loan Amounts: Minimum $2001 to Maximum $4,000.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 12 months to Maximum 18 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty Online Money Lenders

ml Overall rating: 5 out of 5 based on 3 reviews.

Awesome

★★★★★
5 5 1
This worked out very well for me, and i appreciate the help. Very easy to pay back and happy to use this company again and recommend to other users. Thank you.

Great

★★★★★
5 5 1
Good customer service and my application was processed and approved quickly

Hassle free quick and easy

★★★★★
5 5 1
Nifty was such a hassle free experience for me & easy process will definitely be recommending them to friends and family thankyou nifty will be using you again in the future
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