Online Loans | Fast Cash Loans Online up to $10,000

Online Loans

Apply now for:

Fast Personal Loan

up to $5,000

or

Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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  • 100% Online
  • Quick Outcomes
  • $500 to $3,000
  • 60-Second Transfers**

Need an online loan?

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 $500 to $3,000 with flexible loan terms up to 24 months, and competitive rates for Aussies anywhere in Australia.

Why choose Nifty?

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 $500 to $3,000. If you’re interested in finding out more about Nifty online loans, read on below.

ⓘ Loan Disclaimer

Need an online loan?

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 $500 to $3,000 with flexible loan terms up to 24 months, and competitive rates for Aussies anywhere in Australia.

Why choose Nifty?

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 $500 to $3,000. If you’re interested in finding out more about Nifty online loans, read on below.

Our Happy Customers

Secured vs unsecured loans: what’s the difference?

Before applying for a personal loan through Nifty, it’s important to understand the difference between the two before committing:

Unsecured Loan

  • Don’t need to provide any security (collateral) for the loan;
  • Typically a smaller loan value;
  • Can be used to cover holiday expenses, home improvement costs, etc.;
  • Tend to have higher interest rates, due to posing a higher risk to lenders;
  • Typically faster application process.

Unsecured loans can be a great option for those needing a little extra cash to get them through. The application process is usually a lot faster than for secured loans, as you won’t be filling out extra paperwork detailing your collateral.

Secured Loan

  • Must be guaranteed by an asset (such as a car or a motorbike);
  • Typically a larger loan value;
  • Can be used to cover most expenses;
  • Tend to have lower interest rates, as the lender can use the collateral as security.

Am I eligible for an unsecured loan?

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.

How to apply for a Nifty online loan

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 within 60-minutes from submission*:

  1. Apply online by completing the loan application form;
  2. Wait for our team to assess your application and provide you with a quick response;
  3. If approved, receive your cash into your nominated bank account!

Use Nifty’s loan calculator to determine your repayments based on your desired loan amount.

What makes Nifty a great lender?

Our technology
Our speed
We’re Australian
100% online

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.

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 within 60-minutes*. For applicants with an NPP-enabled bank account, you’ll typically see the cash in your account within 60-seconds**.

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.

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.

What can I use an online loan for?

Fortunately, there are many uses for a Nifty short term loan. Whether it’s a last minute birthday present or a surprisingly high power bill, an online loan is bound to be your saviour for fast cash when you need it. Here’s a rundown of some of the uses of a Nifty online loan:

Medical fees

A Nifty online loan can cover the costs of an upcoming surgery or specialist appointment, keeping your finances in check during a potentially stressful time.

Rental fees

If you’re moving house, you might need a bit of extra cash for a rental deposit. A Nifty online loan can give you this financial security, letting you focus on the bigger picture of moving.

Car-related costs

If you’ve been avoiding your annual car service, a Nifty online loan can help you tick it off your to-do list.

Holiday costs

Had a crazy month at work? Sometimes you just need a getaway, but might not have the funds to do so. A Nifty online loan can cover flights, accommodation, car hire, and other costs of that trip you’ve been daydreaming of.

Renovation costs

If you’re needing some extra cash for a home reno, a Nifty online loan can help out with labour costs and supplies.

White goods costs

If you’re sick of fighting with your temperamental dishwasher, or finally decided to splurge on a new dryer, a Nifty online loan can cover the costs of white goods.

Debt consolidation

In some cases, taking out an online personal loan to consolidate your debt is a good option for reducing interest charges, and can be a lot cheaper than using a credit card. It’s important to do your research before doing this, though, as everyone’s situation is different.

Frequently asked questions

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*If you apply within our standard business hours. Subject to individual assessment. 60-minute outcomes are not guaranteed.

**If you have an NPP-enabled bank account.