Experiencing A Rough Patch With Your Money? Let Us Set You Straight


With technology like paywave taking over, it’s never been easier to spend money. Think there are two sides to every story? Or there’s no right way? Well, with a money mindset, there’s certainly a wrong way. A poor financial mindset can lead to an unhappy mind. And we don’t want that. That’s why we want to outline what we think is the right way to think about your dollars!

However, before we start telling you what to do, we think we should probably introduce ourselves!

Introducing Nifty Loans

We are a small neo-lender that is dedicated to finding easy finance for all Australians. We don’t like fancy lingo or sluggish applications. Eekk! We simply want to give all Australians a fair go at finding a tiny financial pick-me-up when life deals them a tricky hand.

Applying for our personal loans couldn’t be easier. Simply fill out our quick application, wait for an outcome and have your speedy cash delivered to your bank account. Sounds easy? That’s because it is!

Now that you know a little bit about us, let us tell you how to NOT think about your finances.

The Wrong Way

We don’t like to be negative, but when it comes to moolah, we care about our customers. We want you to have all the right tools to cultivate a strong relationship with your budget (and yes, that includes the occasional online loan!). So, before we look at how to be money smart, let’s look at how some thoughts are poisoning your the way you think about cash.

Live in the Now

It’s a classic tagline. We are taught to try and absorb every moment and let the future take care of itself. For a romantic movie hell-bent on selling millions of tickets – it’s a lucrative message. When it comes to your budget, however, it can damage your mindset. Confused? Let us explain.

Impulsive buying is a dangerous symptom of the living in the now rule. We know the latest smartphone may be calling your name, but sometimes it’s best not to listen. If a sale is shouting your name, maybe it’s best to ignore it. If we start to accept impulsive buys as a regular pattern, then slowly, we build up a cluster of material things that simply serve no purpose. Not to mention to damage to our budgets!

Frugal to the Max

It may sound counterintuitive, but there is such a thing as being too frugal. Extreme frugality can lead to a poor mindset. If your attitude is constantly on the price, then you may lose sight of value and quality. You may find yourself with items that just don’t do the job. So, instead of scanning the rack for the cheapest option, maybe shell out an extra $10-20 for something that will last longer. So, rather than buy those pair of shoes that will give way at the end of the season, invest in the pair that will last all year round.

Your wallet is never-ending

It’s no secret we love easy finance. But, we don’t love finance that gets you stuck. Borrowing outside of your means can lead to all sorts of problems, and completely wreck your chance at a positive mindset. If you borrow too much, too fast, all your hard earned moolah will go straight to debt repayments – and that’s no fun!

At Nifty Loans, we adhere to responsible lending practices, so we never approve anyone who is overcommitted. We want to give you the tools for a happy mindset.


If you think you don’t need budgeting, think again. Repeating the excuse “I don’t have time for that” no longer applies. Harnessing the power of technology, there are now many budgeting apps available to help organise your finances. So, you can organise your finances directly from your smartphone, which to be honest, is just an extension of yourself anyway!

Stranger Income

Is your income a stranger? Don’t let it be. Sure, we all know how to spend our income, but do you really know where your income goes? To understand your income, it’s important to understand those little details, like how much superannuation your work contributes and how much tax you pay based on your income. Being ignorant of how your income is spent leads to a disconnection between you and your finances.

And that’s what a poor mindset looks like. Don’t worry, we won’t just point out the bad, we want to paint you a picture of the right way to think about money as well.

The Right Way

Now time for some good news! We have some tips on how to become money smart, a.k.a the right way to think about your wallet.

Live below your Means

You may think, “what’s the point of living below my means.” Well, we have one word for you: freedom. Having some spare cash lying around won’t hurt anyone. It may seem to lay dormant until Mount Vesuvius erupts and you need some emergency cover. But it will be worth it. Instead of living in the moment, save some dollars for future moments.

Forgive, but don’t Forget

If you’ve made financial mistakes in the past, learn to forgive yourself. Don’t let your past decisions affect your current relationship with money. Brittney Castro, financial planner and founder of Financially Wise Women gives us her words of wisdom,

“Forgiveness is a powerful tool because it prevents us from being a prisoner to our past. If we shift our focus away from shame we can make room for better practices and a healthier attitude towards your wallet.”

Forgiving past mistakes is the first step to clarity in your journey toward a healthy mindset.

And it so happens that we feel the same way about your finances. We think that past financial circumstances that may have resulted in bad credit can be forgiven. We want to give every Australian a fair go, so we look to dig deeper into your credit history and be on the lookout for positive notes. So, if you’re looking for bad credit loans, you know who can help you out.

Get to know your Attitude

To gauge your relationship with your wallet start by understanding how you make financial decisions. To understand your financial decisions, you can track your thoughts with a journal, noting things like “why did I make that purchase?” or “why was I late to pay that bill?” Visualising these thoughts and acknowledging them will help you crack the code to unlock your smarts. Identify your poor thought patterns and start to work towards healthier thinking.

Create Goals

It may sound cliche, but creating goals is an important step in creating a smart mindset. Goals will help you keep your eye on the prize. Of course, the most important aspect of goal-making is actually maintaining your goals. We all know that’s the trickiest part!

There are many tips and tricks to help you maintain your financial goals and they all involve visualisation. Being able to see your goals and what you expect of yourself is a great place to start. So, whether you create a fun spreadsheet (who doesn’t love a well-organised spreadsheet?) or get yourself a chalkboard or whiteboard and do it the old-fashioned way, get visualising today!

Optimize your budget for happiness in mind

What are we all chasing in this life? That’s easy – happiness. So, create your budget with your happiness in mind. Happy money, happy life.

Most of us are filled with dread when we hear the word ‘budget’, so creating happiness from a budget may sound counterintuitive. However, when you’re figuring out how to be smart, budgeting is vital. If you’re a budget newbie, then consider beginning with the 50/30/20 rule. The rule sets up your budget so it looks like this:

50/30/20 budget rule

The budget rule comprises of three categories, your needs, wants and savings. And needs don’t include your extensive coffee habit (despite how vital it may seem). Needs include things like rent, food, utilities. Wants includes life’s luxuries, whatever they may be. And of course, savings is for a rainy day.

Be Grateful

And last of all, just be grateful. Your income may not be all you want it to be, but be grateful for it. Learn to appreciate the finances you have and how to use them wisely and effectively. Whilst you’re tracking your financial decisions, also think about why you’re grateful for your income and how you’ve chosen to spend it. You could document how much you love your latest addition to your wardrobe or your latest gadget and why.

Reflecting on these positive aspects of your income will help you frame your mindset towards a happier future.

When to Loan

An important part of how to find your smarts, is being able to answer the question, “when is the right time to take out a loan?” The answer, of course, depends on your situation. Sometimes life hands you lemons and a quick loan may be just what you need. Sometimes, it may be time to invest in home improvements or a new car. In all these scenarios though, the most important component is affordability. A loan won’t help your finances if you can’t afford the repayments. Here at Nifty Loans, we think the same. We adhere to responsible lending, so we won’t approve any applicant who can’t afford to make the repayments.

What are personal loans?

We offer medium or small fast personal loans to all Australians who are looking for a tiny financial pick-me-up. If you’re after a small boost to your funds, we offer small online loans from $300 to $2,000. And if you’re looking for a larger contribution to your funds, we offer medium secured personal loans from $2,001 to $4,600. Our medium loans are secured, so we require our clients to provide a car, boat, caravan or motorbike as security for the loan. We also offer large secured personal loans up to $5,000.

Need a Personal Loan? This is how it works

We know that time is money, and we don’t want to waste any of yours. So, we’ve designed a seamless loan application that will take you to speedy cash in no time. Follow these basic steps to get approved faster:

Step 1: Apply Online

To begin our application, simply scroll up and use our loan calculator. Our application is quick, easy and can be completed within minutes.

Step 2: Conditional approval

If you qualify, we’ll let you know right away. We don’t like cheesy suspense. But, whilst you’re crushing your candies, keep an eye on your notifications, because we will contact you if we need any extra info to evaluate your application.

Step 3: Assessing your application

At Nifty Loans, our loan specialists are pretty damn good at what they do. They will determine whether you can afford your repayments after a quick assessment of unsuitability, which is usually completed within 60 minutes (during normal business hours). Our loan specialists are also forgiving, they look at more than just bad credit or whether you’re receiving Centrelink payments. We take into account your current relationship with your income and expenses, too.

Step 4: Your moolah delivered to your pocket

If you hear the good news (that you’re approved!), then the moolah is already scheduled to be transferred. So, you can get back to doing what you do best. The latest you will receive your funds will be overnight ( if you accept your contract during normal business hours). If you accept you contract outside of business hours, these will be processed on the next business day.

That’s it. Just those 4 simple steps and you have the finance you need.

Let’s be friends

Speaking of friendship, we’d love to know all about how you achieve budgeting smarts. Send us an email at media@niftypersonalloans.com.au and tell us all about your badass mindset and we’ll share it with the community. Help inspire other Australians with your story.

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

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter, Google + and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

*Please be aware information on this page is general advise and does not take into consideration your financial needs or objectives.

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

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"Speedy service and didn’t disappoint in the slightest. Very satisfied with the outcome and how informative the frequently asked questions page was."

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