Searching For Easy And Fast Loans? Look No Further Than Online Loans

online loans

The internet. Oh, the wonders it has bestowed upon us. With the likes of Facebook, memes, cat videos, unbelievably adorable doggos. The list could go on. Apart from gifting us a platform for procrastination, the internet has also paved the way for online loans. And we, Nifty Loans, offer cash loans online for all Australians who are searching for easy finance.

Introducing Nifty Loans

Sorry, we are getting ahead of ourselves, so let’s start by introducing ourselves. Nifty Loans is a 100% online lender that provides quick online loans up to $5,000. We believe that every Australian searching for online finance should be able to apply. In addition, we are fast, easy and hassle-free. Our application is quick, with fast outcomes and seamless money transfers. There’s isn’t much you cannot love about Nifty Loans.

Why Nifty Loans?

You may be thinking, “there are plenty of lenders, why should I choose Nifty?” Well, we are glad you asked! Furthermore, there is a myriad of reasons to choose Nifty Loans for your quick finance needs. Here are a just a few reasons to choose Nifty:

  • Quick applications
  • Fast outcomes
  • Speedy cash (have your money the day you apply, if your bank plays nice)
  • No hidden costs
  • Reviewed by 1000s of Aussies (don’t trust us? Take a look at Trustpilot, Product Reviews and Word of Mouth)
  • Easy repayments
  • No early exit fee
  • credit checks

And the list could go on! There are so many little details that make up the vision that is Nifty Loans. What really sets us apart, however, is our dedication to bringing easy finance to all Australians. Our loan experience is possible for anyone, whether you are on the go or at home with the kids; you can apply for quick loans. We want to give everyone a fair go, no matter their financial past. How, you ask? Well, let’s find out.

Are you eligible for online loans?

Firstly, before applying, it’s important to check if you’re eligible. Checking if you’re eligible before applying may save you the hassle of possibly being declined. So, check off these eligibility requirements before applying:

  • Must be over 18 years of age
  • Have an Australian citizenship or permanent residency
  • Be receiving a regular income into a personal account for the 90 days
  • Have an active mobile number and email address

So, just four little requirements and you’re on your way to cash loans online!
Our business is transparent with our customers. Therefore, we provide these details to prevent disappointment if you’re not approved.

How to accelerate your application

Our speedy online application only takes minutes to complete. However, if you want to accelerate your application and really get ahead have these ready before applying:

  • Name and address
  • Reason for a loan
  • Bank account details
  • Centrelink statements (if applicable)

With all these things handy, you’ll fly through your application. You may be wondering why we require a reason for your loan when essentially personal loans are flexible. Well, it’s all apart of our suitable test. We adhere to responsible lending practices. Therefore, we assess every angle of your application. However, we are more lenient than traditional lenders, so why not give Nifty Loans a go? You may be surprised.

How to apply for online loans

Step one: Apply online

It wouldn’t be online loans without our online application! Our application form is 100% paper-free and hassle-free. Put our application to the test by applying today.

Firstly, to begin our quick online loans application, use our loan calculator located at the top of our web pages. Select how much you wish to borrow and for how long. Then, select how often you wish to make your repayments; either weekly, fortnightly or monthly. Once you are happy with your loan terms, you can click the Apply button to take you directly to our application.

Step two: Instant communication

With the first step completed, your work is already done! All you have to do it is get back to what you do best, whilst we assess your online loans application. Then, whilst you’re Crushing your Candies, keep an keep on your emails or texts, because we will notify you if we need any extra info for your application.

Step three: Assessing your application

Now the real work begins. We dive into your application to assess whether our loans are suitable for your current financial situation. We adhere to responsible lending practices, therefore, we don’t approve an applicant that cannot afford to repay their cash online loans. To assess your application we use your bank account details to access a read-only copy of your expenses. You may be wary about handing over your bank details online, however, have no fear! You can trust us to use your information only as directed. Furthermore, we are dedicated to protecting the privacy of all our clients.

Step four: Collect your moolah!

If you hear the good news (that you’re approved!), all you have to do is the sign the deal, and your moolah will be on its way shortly. It’s that easy. Time may vary depending on the speed of the banks, however, your funds should arrive overnight at the latest.

Just four little steps and then you’ll be all financed. That’s Nifty! The easy way. We work smart and hard to get you much-needed finance quickly. Are you all inspired? Why not apply now?

No asterisk costs!

Applying with Nifty Loans guarantees no nasty surprises hidden in tiny font at the bottom of your loan contract. We think honesty is a fundamental pillar of any relationship. We don’t want to trick you into a situation to you can’t afford to get out of. There’s no magic behind the curtain (only speedy magic!), there is no catch, there is no “but” in our contracts. Each of our loans, small medium, or large have only three costs. Here they are again:

For small personal loans: small unsecured personal loans start from $300 to $2,000

  • Establishment fee: A once-off of 20% of the principal. The amount is built into the repayments
  • Ongoing fee: Monthly fee of 4% of the principal. The amount is charged every month until the loan is repaid
  • Missed repayment fee: Unfortunately, if you miss a repayment, we will debit your account $27.50 – so make sure you’re account is always topped up!

For medium secured personal loans: medium secured loans start from $2,000 to $4,600

  • Establishment fee: Once-off fee of $400. The amount is built into your repayments
  • Ongoing fee: An annual percentage rate of 48% is charged to your account as part of your repayments
  • Missed repayment fee: If you miss any repayment, we will, unfortunately, debit your account $27.50 – so, to keep track of when your repayments are due

For large secured loans of $5,000

  • Ongoing fee: An annual percentage rate of 21.24% of the principal
  • Missed repayment fee: If you miss any repayment, we will, unfortunately, debit your account $27.50 – so, to keep track of when your repayments are due

And that’s it! All our costs. No need to worry about hidden costs in tiny font, we are 100% upfront about all our costs. If you have questions about our loan costs, don’t hesitate to contact our loan specialist team.

How do I repay my loan?

If you haven’t noticed already, every stage of our process is easy and fast. Our repayments are no exception. Using the latest in safe banking technology, we are able to automate your repayments. As a result, we simply debit your nominated bank account and that’s it! Say goodbye to the days of setting reminders, only to miss them anyway. Our repayments are 100% paperless. No need to dread the mailman, simply remember to chuck your repayments into the nominated account.

Have bad credit and searching for finance?

Well, good news, you’ve found us. We believe that bad credit shouldn’t hold you back from seeking a financial pick-me-up. Therefore, Nifty Loans adopts a positive credit reporting philosophy, where we look at the positives notes on your credit score. Not only the negative. We know that life doesn’t always go to plan, so that’s why we provide bad credit online loans. To assess our loans, we look at current regular income, not merely past financial mishaps. So, whether you’re looking for relocation loans or something to keep you grounded, apply with Nifty Loans for fast outcomes.

We do perform credit checks, however, don’t let that deter you from applying! We encourage anyone who is seeking finance to check whether they’re eligible and apply.

Receiving Centrelink payments and need a financial pick-me-up?

Then search no more, because we may be able to help! Similar to bad credit online loans, we also provide loans for people receiving Centrelink payments. If you’re receiving Centrelink payments you may have noticed there’s a stigma against you floating around the personal finance community. Well, not at Nifty! We consider your Centrelink payments as regular income if you’ve been receiving them for at least 90 days. Furthermore, we encourage every Australian who is seeking finance to trust in the Nifty difference and apply today!

Customer service that is here for you

At Nifty Loans, we may be 100% online, however, we are dedicated to bringing you top notch customer service at the touch of a button. That’s Nifty!

We want to provide our clients with a hassle-free online experience. Therefore, whenever you need help with your finances, give our loan specialists a call on 1300 471 328 or pop us a message

Let’s be friends

Of course, our loan specialists require necessary beauty sleep, so if you apply outside of business hours, expect a response within 2 hours of the next business day.

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.

Looking for more info on the difference between fixed and variable loan rates? Easy, we have you covered.

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 lifestyle trends via our blog.

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Searching For Easy And Fast Loans? Look No Further Than Online Loans Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Searching For Easy And Fast Loans? Look No Further Than Online Loans Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
quotation mark

Great easy application

"Well layed out application quick easy and convenient"

- Steph single mum


How customers rate Nifty's Personal Loans

Searching For Easy And Fast Loans? Look No Further Than Online Loans Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans