Money Lenders Online | Up to $5,000 | Same Day. Apply now!

money lenders

If you are looking for online money lenders that you can trust with your needs  – apply now with Nifty Personal Loans. It takes a few minutes to fill out our speedy application, so get started now and you could get a direct loan straight to our bank by the end of the day! Isn’t that Nifty?!

Firstly, what are money lenders?

Money lenders are simply lenders that lend money. It’s that simple. Online money lenders are lenders are operating 100% online, and that’s Nifty Loans! We offer online personal loans, without the hassle of applying with traditional lenders. You can complete our application in just minutes, and we’ll do our best to get back to you within the hour (if you apply during normal business hours). Keep reading to find out more about Nifty Loans as money lenders. You could even be eligible for an instant cash loan online with Nifty!

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 one of Australia’s fastest growing short-term loan money lenders offering quick unsecured personal loans between $300 and $5,000.

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. Submit your application with our fast application form and we can assess your cash loan application in as little as 60 minutes (during normal business hours). The main things we will need are at least 90 days of bank statements and a Centrelink income statement (if you receive Centrelink),  which you can even supply electronically! To make this experience as straightforward 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:

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.

Am I eligible for a Nifty Loan?

We hope so. We try and cater to all Australians on the lookout for easy finance. However, we are responsible lenders, so we do have a few little requirements to meet before applying for a cash loan:

  1. Must be over 18 years old
  2. Be an Australian citizen or permanent resident
  3. Be receiving a regular income into a personal account for the last 3 months
  4. Have an active mobile number and email address

And that’s it. Just four little requirements you’re ready to apply for same day cash loans.

What to have handy when applying for same day cash loans?

We think applying for same day cash loans is pretty speedy, however, we’ll all about optimising your experience as a user. So, have these details handy when you apply for quick loans:

  • Personal contact details e.g. mobile phone and email address
  • Reason for your loan
  • Bank account details
  • MyGov details
  • Employment info

We are the money lenders that care about your finances and want to find the right loan for you.

So, scroll up and use apply using our personal loan calculator.

Do we offer bad credit loans?

Yes! At Nifty Loans, we offer fast bad credit loans! So, if you have bad credit feel free to scroll up and apply today. We do conduct credit checks, but we look at more than just your credit score. We also look at your current relationship with money. We don’t think that your credit score should define your entire relationship with money. That’s why our team looks at things like income and expenses when assessing suitability. So, if you have bad credit and you’re looking for a loan, scroll up and apply for bad credit loans with Nifty!

Do we offer loans for people on Centrelink?

Yes! If you’re receiving Centrelink then you may have been knocked back by traditional lenders. Well, we’re glad you found us! We welcome people receiving Centrelink to apply with Nifty Loans. As part of our responsible lending policy, we classify Centrelink as a regular income, as long as you’ve been receiving it for at least 3 months! So, if you’re receiving Centrelink payments and you’re looking for a loan, just scroll up and apply with Nifty today!

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.

Let’s be friends

You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.

If you’re looking for tips to create your wedding dream on a budget, Nifty has you covered. Just have a read of our wedding dream blog post.

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 latest events via our blog.

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

Excelllent i loved using nifty

"It was easy,quick,fair i loved it"

- Con


Types of loans