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!
Is it that time of year again? Nifty can give you a helping hand with paying your car rego.
Car RegistrationDoes your home need that much-needed facelift? A loan could cover some upfront costs.
RenovationRelaxing trip to the coast or overseas adventure? Nifty can get you there.
Holiday LoanIs it that time of year again? Nifty can give you a helping hand with paying your car rego.
Car RegistrationDoes your home need that much-needed facelift? A loan could cover some upfront costs.
Relaxing trip to the coast or overseas adventure? Nifty can get you there.
Our application is so simple it could take you only a few minutes to complete
After submitting, 70% of our applicants will receive an outcome instantly
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!
Once approved, your cash could be in your account and ready to use in 60 seconds!
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.
A personal loan is a sum of money that you borrow from a lender to use for a personal expense. Lenders range from banks and credit unions to online lenders like Nifty! You then repay the borrowed amount with interest in fixed instalments over a set period of time.
Nifty offers one of the fastest loan services in the country. We pride ourselves on being able to offer same day loans to Australians nation-wide. We utilise the latest and safest banking and identification technology so you know that your information is safe with us.
Most people submit their application in under 10 minutes. If you apply during AEST business hours then you could get an outcome on your loan in as little as 60 minutes.* If approved, Nifty offers instant transfers, so you could have your money immediately after you’ve signed your contract.*
Nifty personal loans range from $300 to $10,000. The repayments period will differ slightly depending on how much you apply for.
Yes, you can! Traditional lenders, like banks or credit unions, will typically see bad credit as a huge red flag. Nifty, however, works a little differently. We approve loans for people with bad credit every single day!
Although we do take your credit score into consideration, we tend to put more weight on factors like current income, repayment commitments, and spending habits. If we can see that you’re able to comfortably afford the loan repayments, then you’ll have a higher chance of getting approved.
Secured loans are personal loans that are secured by an equity/asset. The asset could be any type of vehicle, such as a motorbike, car, boat or caravan. This is to protect the lender of any financial loss in the case that you are not able to repay your loan. Borrowers who attach an asset to their loan are usually allowed to borrow a larger amount as they are considered less of a ‘risk.’
An unsecured loan does not require you to attach an asset of value to your loan. These loan options are considered riskier options for the lender so borrowing amounts tend to be smaller. Unsecured loans are especially convenient for when you need to borrow a small amount of cash to cover a small expense.
Nifty’s unsecured loans range from $300 to $2,000 and secured loans range from $2,001 to $10,000.
Yes, Nifty does conduct credit checks on eligible applicants. This is a requirement in the Responsible Lending Guidelines set by ASIC. However, if you have bad credit you shouldn’t let this deter you from applying. We aim to give every Aussie the fair go they deserve at accessing finance. If we can see that you’ve been responsible with money and will be able to comfortably afford the loan repayments, then we can look past your bad credit score.
Yes absolutely. Refinancing your personal loan refers to paying off your current loan with funds from a new loan with a better rate or terms. If you’d like to refinance a personal loan with a Nifty loan, then you’ll need to let us know when you’re applying. We’ll do our best to find you a suitable loan option.
Loan repayments are made by direct debit. This method of payment takes out the hassle of trying to remember when to make repayments as it’s automatic. We’ll usually align your regular instalments with your pay cycle, to ensure there is enough money in your account to make repayments.
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.