Nifty Personal Loans | Term’s and Condition’s | $250 Giveaway

2019 Update: Unfortunately we no longer run this competition, however in the future we will be announcing new and exciting opportunities, so check back with us regularly!

If you’ve read the Nifty Mission, or dealt with us in any way, you’ll know that we focus on swift processing and complete customer satisfaction. It’s true for our loans, and true for our competitions.

Take a look below to find out how we manage our competitions and draw our winners.

Here’s hoping you’re lucky enough to win one!

$250 Giveaway

Want to enter our $250 giveaway competition? Of course you do.

Here’s what you need to know.

Entry Requirements:

To enter, you’ll need to email us a testimonial (a review of 200 words or less). Make sure you send it to with your full name and contact number.

To be entered into the draw the testimonial needs to answer the following questions:

Why did you need the loan?
How was your experience with us?
How did the loan help you?
Would you borrow from us again?

Want an extra entry? Send a happy picture of yourself along with your review!

Eligibility Requirements

To be eligible, you must have received a message from us indicating the chance to win – it needs to be in your name.

We also need you to have a current and active mobile number and bank account.

Applicants must comply with the eligibility requirements mentioned above, within these time-frames to be considered in the draw.

Competition Start & End Dates

This promotion is run monthly, starting 9am AEST on the 1st of every month and closing 4pm AEST on the 27th of every month.

And the winner is…

The winner will be selected randomly out of a pool of eligible entrants after 10AM AEST on the 28th of every month, at the discretion of the Nifty Team.

We’ll give you a call or drop you a text to let you know that you’ve won before we put your name in shining lights on Facebook.

If you’re the lucky winner, you’ll need to acknowledge receipt of the notification and before you will be officially deemed the winner of that giveaway. If you don’t respond to the notification within 24 hours of receiving the message it will be deemed unclaimed. Nifty Personal Loans will then move forward and select a new winner to replace the previous one and repeat the process until a winner is found.

There will be one winner who will receive the $250 giveaway as cash, electronically transferred to their nominated bank account – this is the only way to receive the prize.

In the scenario of Fraud

If at any time, Nifty Personal Loans believes that false details have been provided, or that you have otherwise entered this competition fraudulently, we have absolute discretion to refuse the winning entry and have no obligation to provide reasons to the entrant for their decision to refuse the winning entry. If this occurs, Nifty Personal Loans will select a different winner for that month.

Privacy Policy – Handling your Information

Nifty Personal Loans will handle your personal information in accordance with the Privacy Act 1988. By entering this competition, you consent to your personal information being used by Nifty Personal Loans or our related companies and other third parties for marketing purposes, including the Publication of your name (including tagging) and competition entry details on the Nifty Personal Loans website, social media pages and other publicly available platforms. Nifty Personal Loans may also contact you by email from time to time with financial offers; products, services or other promotional offers that may be suitable to you.

All details of the competition entrants and winners will be kept securely by Nifty Personal Loans for a minimum of 7 years after the date the winner is selected.

Your testimonial may be utilised for marketing purposes and for the benefit of the Nifty Personal Loans Website, Facebook page or any other marketing purpose.

Please review our privacy policy for any additional in regards to the use of your information or any other private information:


If you have any concerns or questions on how Nifty Personal Loans deals with your personal information or how this competition is run, please feel free to email us at:

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


"Nifty is really help me out thanks"

- Welly Mulyadi


Types of loans