- Market leading customer service
- 60-Second Transfers once approved3
- Fast Loan Outcomes1
- Simple & Easy Application
We're now becoming part of the award winning Jacaranda Finance group.
Here's what you can expect:
Here at Nifty Loans, we’ve made online borrowing easier than ever. Whether you’re wanting to spruce up your home office, or finally replace that air conditioning that’s been on the fritz, a Nifty online loan is here to help. Nifty offers fast loans online from $2,100 to $15,000 with flexible loan terms up to 24 months, and competitive rates for Aussies anywhere in Australia.
Our team at Nifty is Aussie born and bred, so we pride ourselves on offering everyday Australians a fair go when it comes to personal finance. Our dedicated loan specialists work tirelessly to provide exceptional service and fast loan approvals on applications anywhere from $2,100 to $15,000. If you’re interested in finding out more about Nifty online loans, read on below.
Our Happy Customers
Before applying for a Nifty online loan, take a moment to see whether you qualify. You’ll need to meet the following criteria:
- Be 18 years old
- Be an Australian citizen or permanent resident
- Have an active internet banking account
- Receive a regular income for at least the past 90 days
Thanks to Nifty, applying for instant cash loans online is a walk in the park. Simply follow these three steps and keep an eye out for our application response on the same day from submission*:
- Apply online by completing the loan application form;
- Wait for our team to assess your application and provide you with a quick response;
- If approved, receive your cash into your nominated bank account!
What makes Nifty a great lender?
Here at Nifty, we pride ourselves on being one of Australia’s fastest lenders – both in terms of processing and delivering loans. Once we receive your loan application, we aim to process it on the same day*. For applicants with an NPP-enabled bank account, you’ll typically see the cash in your account within 60-seconds**.
Nifty’s own loan-processing engine gives our team the ability to be inclusive lenders. This means that we can offer customers fast emergency loans, even if they have a bad credit history. It also means that we can offer a simple and quick online application process.
Nifty operates 100% online, saving you from unnecessary paperwork and long wait times. Our team can be reached during business hours over the phone, and if you’re short on time, you can leave your details here for a friendly customer service member to reach out to you ASAP.
Aussie-owned and operated
As an Aussie-owned and operated business here in Brisbane, Queensland, we understand the importance of having a trustworthy, local lender. That’s why our in-house loan specialists and customer service team work tirelessly to provide you with exceptional service and turnaround times.
Frequently Asked Questions
How quickly are Nifty online loans processed?
If you apply for a fast cash loan with us during business hours, our loan specialists will work tirelessly to bring you a quick outcome. Depending on whether you have an NPP-enabled bank account, you could even be looking at receiving your cash within 60-seconds** from approval.
What fees and charges come with a Nifty online loan?
Before you enter into a loan agreement with us, we’ll provide you with a credit guide that outlines all the applicable fees and charges you can expect on your total repayment. However, we pride ourselves on being transparent with these charges and offering competitive rates on our fast cash loans.
Does Nifty offer online loans to bad credit customers?
As an inclusive online lender, Nifty is able to approve bad credit applicants if they meet certain criteria. Our team of loan specialists will conduct a financial assessment on an applicant to determine whether they are able to manage their loan repayments. This assessment will look at other financial factors, like their regular income and expenses through bank statements, rather than just their credit score. So, if you have bad credit but are successful in our assessment, we may just be able to offer you an online loan.
Does Nifty do credit checks?
Here at Nifty, we adhere to the responsible lending guidelines set by ASIC; as such, we cannot provide ‘online loans no credit check’. However, we can guarantee that all applicants will have a fair loan assessment thanks to our experienced team of loan specialists. We also take into consideration an applicant’s full financial history, rather than just their credit score. So don’t let bad credit hold you back from applying with us