Aussie Loans | $300 - $5,000 | Fast Outcomes | Apply Now!

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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 your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Looking For An Aussie Loan You Can Trust? Look No Further!

Fast Aussie loans? Take a look at Nifty Loans

Looking for Aussie loans from a lender you can trust? Nifty is proud to be able to give all Aussies a fair go at getting a personal loan. We don’t think getting the cash you need should be difficult. When you apply with Nifty we won’t ask you to wait in long lines at the bank or supply us with paper payslips.

From application to assessment, our entire process is completely online. The Nifty team is here to make your life a little bit easier when it comes to getting the Aussie loan you need. Not even bad credit has to stand in your way because the Nifty team is taking a fresh approach to loan assessment. So, what are you waiting for?

What are Aussie loans?

An Aussie loan is a personal loan for people living in beautiful Australia. Nifty provides Aussie loans between $300 and $5,000 that you could apply for in minutes. Our team do their best to match our applicants with the best possible loan products. It is important to remember that we do conduct credit checks on all personal loan applications, however, we won’t base our entire assessment around the result. Our fresh approach to loan approval means we’ll look at the big picture. So, there really is nothing holding you back. Scroll up and use our Aussie personal loan calculator to start your application today?

Why Trust Nifty Loans

Nifty is the online lender that Aussie’s can trust. We understand that everyone is different. That’s why we assess all of our applications on a case-by-case basis. We look at a range of factors, not just a credit score, to ensure all of our outcomes are fair and reasonable. Here are just some of the reasons why you should choose Nifty:

Responsible lending

At Nifty, we do not promise anything we cannot deliver. That means we will not guarantee approval for every single applicant. Sometimes Aussie loans may not be the right financial choice for you. However, we will always do our best to find a loan product that can meet your specific needs.

100% online

Don’t have time to wait around? No worries, Nifty is 100% online. That means you can apply for Aussie loans wherever you are and whenever you like. We won’t ask you to go into a bank or complete pages and pages of paper forms. Our application process is completely streamlined so you get the cash you need as quickly as possible.

Complete transparency

Our team are down to earth and realistic. We’ll always be upfront and honest when it comes to the terms and conditions of your agreement. If you’ve got questions you’re welcome to get in touch with the Nifty team or head to our FAQ page for more information.

What can I use my Aussie loan for?

We’re pretty open-minded here at Nifty, you can use one of our Aussie personal loans for a range of purposes. Here are just a few examples you could site on your application:

Aussie leisure loans

Were you under the impression that Nifty only provided loans for emergency cash? Well, think again. You could apply for an Aussie leisure loan with Nifty right now. If you’re in need of a holiday, why wait? You could get the cash you need to make it happen right now. Nifty could provide you with $300 to $5,000 cash without the hassle.

We are proud to be making Aussie leisure loans available for when you need that extra boost. If you choose to apply during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes. Why not scroll up and use our Aussie loan calculator to get an idea of what your repayments could be.

Aussie equipment loans

Are you looking for a fair and reasonable Aussie equipment loan? Look no further than Nifty. We’re proud to be helping Aussie get the cash they need when they need it. Our team doesn’t mess around. We’ll cut straight to the chase. You won’t even be asked to fill out any paper forms. Our user-friendly online application form could only take you a few minutes to complete. So, if you’re in need of an Aussie equipment loan to give your business a boost then you’ve come to the right place. Don’t waste any more time. Scroll up now and start your application.

Aussie debt consolidation loans

Looking to consolidate your debt? At Nifty, we offer hassle-free Aussie debt consolidation loans. What is a debt consolidation loan? A debt consolidation loan basically enables you to combine your existing debts into one regular repayment. A debt consolidation loan often makes it easier to make repayments on outstanding loans. This is because there is no need to remember multiple repayment days, the entire amount will come out in one regular repayment.

If you’re looking to effectively manage your debt then an Aussie debt consolidation loan could be right for you. You could scroll up and submit an application completely free of charge right now. Our team will let you know if you could be eligible for an Aussie debt consolidation loan.

Loan TypeLoan Type Accepted
Repair Loans
Holiday Loans
Medical Loans
Bill Loans

Who can apply for Aussie loans?

Like what you hear? Wondering who could be eligible to apply for an Aussie loan with Nifty? The good news is we like to keep our application criteria pretty simple. If you can say ‘yes’ to the following then you are welcome to scroll up and apply for Aussie loans:

  • Applicants must have an active mobile phone number and email address;
  • You must have internet banking set up;
  • All applicants must be over the age of 18;
  • You have had a regular income for the last 3-months into a personal bank account;
  • You must be able to prove you’re an Australian citizen or permanent resident.

What documents will I need to show lenders?

When you apply for an Aussie personal loan with Nifty, we won’t ask you to provide anything unnecessary. We don’t do paper payslips or unnecessary forms. Here’s what you’ll need to have handy in the way of documentation:

  • Your personal details (name, D.O.B etc.);
  • Internet Banking Details (so we can securely access read-only copies of your bank statements);
  • You will need to provide us with the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

Why does Nifty need internet banking details?

Nifty uses your online banking details to access read-only copies of your bank statements. Bank statements allow our team to get a better idea of your current financial situation. We look at factors such as your income, spending habits and pre-existing financial commitments to determine whether or not you will be able to comfortably repay an Aussie loan.

Worried about security? There is no need to be. Nifty uses the latest safe banking technology to ensure your information is always encrypted. That means no one will ever be able to view it. If you’ve got questions regarding online banking details you can get in touch with the Nifty team or head over to our FAQ page for more information.

Will Nifty contact my workplace?

Yes, when you apply for one of our Aussie loans we will usually contact your employer. We conduct employment checks as a part of our commitment to responsible lending. There is no need to stress though, our team are highly trained in conducting employment checks and will always remain professional. None of your personal or private information will be disclosed. If you have questions regarding this process our team are happy to help or you can check our FAQ page.

Will Nifty check my credit score?

At Nifty, we do conduct credit checks on Aussie loan applications. The good news is we do not base our assessment solely on your credit score. Our team look at the whole picture to ensure you get the best chance at Aussie loans. We don’t think a mistake you made up to 7 years ago should stand in the way of a personal loan. So, if you want a fair assessment on an Aussie cash loan, apply with Nifty today.

Responsible lending

At Nifty, we’re proud to be a responsible lender. What does that mean? Basically, we are committed to doing the right thing by our customers. We will never lend an applicant an amount of cash that we believe they will not be able to repay. We know that all Aussies are different. That’s why we access applications on a case-by-case basis. The Nifty team want to give all Aussies a fair go at a personal loan. Are you wondering what is required of a responsible lender? Check out the following:

  • A responsible lender must make reasonable inquiries about the consumer’s financial situation;
  • take reasonable steps to verify the consumer’s financial situation;
  • make a preliminary assessment to determine whether the credit contract is suitable for the consumer.

Our team are here to guide you through the Aussie loans process. If you have questions regarding any part of our process you can get in touch with the team.

Ready to apply?

If you’re ready to get started with an application, you’ll be pleased to know it’s super simple. Here’s what you’ll need to do:

Apply online

Head to the top of the page and use our loan calculator to select your desired loan amount and the repayment period. When you’re happy, just hit ‘apply now’.

Fill out the form

If you’ve chosen to proceed with an application, you’ll be directed to our 100% online application form. This could only take a matter of minutes to complete.

We access your application

Once you’ve submitted your online application form you can sit back and relax. The Nifty team will assess your application. If you’ve chosen to apply during AEST business hours we’ll do our best to get back to you with an outcome in 60 minutes.

Sign your agreement

If your Aussie loan application has been successful our team will send over an agreement for you to review and sign. We encourage all our applicants to carefully review their contracts carefully. It is important to make yourself aware of any fees or charges that could incur for late or failed payments. When you’re happy with our agreement just sign and send it back.

Get your cash

Once our team receive your signed contract the cash will be transferred straight to your account. Thanks to instant banking the money could be in your account in just 60 seconds (for NPP enabled bank accounts).

 

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
EEstablishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
EEstablishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** 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. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.