Personal Loans Up To $10,000 | Fast, Easy Cash For Urgent Expenses!
Nifty Fast Personal Loan

Nifty Fast Personal Loan

Get your cash within 60 seconds of approval*

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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Fast Personal Loans

Smart and quick application form, which can be completed in minutes

✓ 70% of applicants receive an outcome instantly

✓ For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!

*During normal business hours.

*Cash in 60 seconds is only available for NPP enabled bank accounts.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%.

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.

Fast Personal Loans

Smart and quick application form, which can be completed in minutes

✓ 70% of applicants receive an outcome instantly

✓ For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!

*During normal business hours.

Personal Loans

Sometimes money gets low and your cashflow dries up, making it hard to pay for personal expenses. A personal loan is a convenient way of getting a bit of extra cash to cover costs. Nifty is here to help you in times when you haven’t planned for the unexpected. We do quick personal loans from $300 to $10,000 for when you need them most!

Popular personal loans

Popular personal loans

Dental loan

Dental

Dental costs are expensive. Get a small cash loan to cover your trip to the dentist.

Dental
Car Registration loan

Car Registration

Is it that time of year again? Nifty can give you a helping hand with paying your car rego.

Car Registration
White Goods loan

White Goods

Get that new fridge you’ve been eyeing off with a quick loan from Nifty.

White Goods
See more loan purposes

Personal Loan Calculator

Get a good car loan deal with rates starting from 10%.

I want to borrow

Paid back over 9Months

Estimated Repayments

$100

per week

$200

per fortnight

$400

per month

ⓘ Loan Disclaimer

How to apply

Apply Online

Apply Online

Our application is so simple it could take you only a few minutes to complete

Get an outcome

Get an outcome

After submitting, 70% of our applicants will receive an outcome instantly

Get assessed

Get assessed

If you don't get an outcome instantly, most of the time we'll get back to you with a response in just 60 minutes!

Get your money

Get your money

Once approved, your cash could be in your account and ready to use in 60 seconds!

Loan Details

Loan Amount

$300 to $10,000

Loan Term

12 months to 24 months

Repayment Frequency

Weekly, Fortnightly or Monthly

Repayment Facilities

Direct Debit

Interest Rate

From 7.59% (secured loans)

Comparison rate

From 12.24% p.a (secured loans)

Visit our costs page for a full breakdown of costs associated with Nifty’s personal loans.

Documentation you’ll need:

  • Contact information
  • The reason for your loan
  • Internet banking details
  • MyGov account details (if you receive Centrelink benefits)

Eligibility criteria:

  • Be at least 18-years of age;
  • Be an Australian citizen or permanent resident;
  • Have internet banking set up;
  • Have an active mobile number and email address;
  • Have been receiving regular income for the past 90-days.

Ready to apply?

You can apply for up to $10,000 in under 8 minutes!

Apply Now

Frequently asked questions

Who is Nifty Loans?

We’re glad you asked! We’re a 100% online loan provider, lending small to medium amounts of cash to Aussies when they need it. We believe in second chances. That means that we take a fresh approach to bad credit, providing loans to people with credit scores of all shapes and sizes.

If there’s anything we’re known for it’s that we’re fast! When you apply for one of our personal loans, you’ll enjoy one of the quickest loan services in the country.

Lastly, we believe in transparency and honesty. That means we’ll be upfront with our rates and fees in your loan contract. Alternatively, you could visit our costs page for more info.