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Personal Loan

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I want to borrow $1,000

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

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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 personal loans Australia? We’ve got them! Apply now with Nifty Loans!

Nifty Loans - Personal Loans Australia

Personal loans Australia

If you have been looking up ‘Personal loans Australia’ on Google and were overwhelmed by what to choose, we may have a simpler solution for you. 

Nifty Loans offers quick and easy personal loans for Aussies ranging from $300 to $5,000. All loans over $2,000 must be secured and repayment periods range from 6 months to 24 months. Sounds good to you? It gets even better: We won’t make you go through a big stack of paperwork, our application is 100% online. Therefore, you might get your small loan approved within 1 hour, provided you apply during business hours. That’s how easy it is to apply for a loan.

In case of a financial emergency, Nifty offers quick personal loans. Simply fill in the application form online and, if approved, you could receive your emergency money loan when you need it the most. If you’ve wondered about how being FB affects your privacy, this is a great read.

Who is Nifty?

Nifty Loans is an Australia based online lender for quick cash solutions. It is our mission to provide easy access to personal loans in Australia for almost everyone, no fuss, no hidden fees. Our application form is 100% online and can be completed in minutes. You can apply from the comfort of your home – we won’t make your drive anywhere and stand in a queue for hours. 

We specialise in personal loans, that range between $300 and $5,000. If you find yourself in a sticky situation and need quick cash to help when an unexpected expense pops up, Nifty is here to help. 

If you are after personal loans in Australia, you might have come across some of our competitors. Currently, the market is full of online lenders, so how do you know who’s best? Nifty Loans might be, but find out for yourself. We care about our customers and we want to offer loans differently: 

  • Transparency is incredibly important to us. You know exactly what we assess and what costs you will be facing – we won’t hide anything from you. 
  • We are here to help! Our customer service team is committed to high-quality service. 
  • We’re Australia-based and trusted by 1000s of Aussies. 
  • 100% online, so you won’t have to travel anywhere or fill in boring paperwork. 
  • Inclusive – we encourage anyone to apply for a personal loan, bad credit or not. 

Of course, you don’t have to believe us blindly, check out our reviews on Product Review, Word of Mouth and Google. Of course, feel free to leave some feedback yourself. We are dedicated to improving our service consistently so that you will have a great experience with Nifty Loans, every single time. 

Does Nifty offer personal loans Australia wide?

Nifty Loans can offer personal loans Australia wide. 

Luckily, our services are based completely online. Therefore, it doesn’t matter where in Australia you live. Quick financial help shouldn’t be for city folks only. We offer quick cash solutions for any Aussie who experiences short-term financial trouble. Regardless of if an unexpected bill comes up or you need some extra cash to improve your property, Nifty Loans has got your back! We can offer personal loans Australia wide to anyone who meets the requirements and passes our personal loan assessment criteria.

What size personal loans Australia do you offer?

Nifty Loans offers personal loans ranging from $300 to $5,000. No matter what size of loan you’re after, we’ve got a solution for you. 

Small Personal Loans 

A small personal loan ranges from $300 – $2,000 and is unsecured. You can choose to repay this loan in a period from 6 to 9 months. What does unsecured mean? It means the loan doesn’t have to be secured by equity, such as a car, motorbike, or caravan. 

Medium Personal Loans 

A medium personal loan ranges between $2,001 – $4,600 and needs to be secured. The repayment period can range from 9 – 24 months, that’s up to you. 

Large Personal Loans 

Large personal loans are $5,000. Like medium-sized loans, they need to be secured. So simply attach security and you are on the right way to apply for your personal loan. Large personal loans can be repaid over a period of 9 – 24 months. 

Requirements for personal loans Australia wide 

We want to give every Aussie a fair chance to get a personal loan but you have to meet a few requirements: 

  • Be more than 18 years old; 
  • Be an Australian citizen or permanent resident; 
  • Have a regular income and proven record of at least 3 months of cash flow into your personal account; 
  • Have an active email address and mobile number, so we can contact you. 

That’s it. If you meet these requirements, we highly encourage you to give it a shot and apply. 

What to provide when you apply

Our application process is super easy and you can even speed it up if you’ve got the necessary documents on hand already. It will only take you a few minutes! 

Please provide these details with your application: 

  • Personal contact details (e.g., name, mobile number and email address);
  • A reason – What is your loan for?;
  • Your online banking details;
  • If you receive Centrelink or Government benefits, we need your MyGov details;
  • Otherwise, we need your employment information. 

Why are we asking for your online banking details? 

We want to make sure that we get a good understanding of your financial situation, not just your paychecks. Therefore, we look into your bank account to see how much you earn and spend. But of course, we keep your data safe! Data security is a big deal to us and we are using the latest safe banking technology to access a read-only copy of your expenses and bank statements. We cannot see your personal log in details and won’t have access to your bank account at any time. 

See, it’s easy! If you are after a fast personal loan Australia wide, that’s your fast track. If you have any questions about the application process or get stuck just give us a call during our business hours on  1300 471 328 and our customer service team is happy to help. Otherwise, send us a message or email any time of the day and someone will get back to you the following business day.

How to apply

The application process with Nifty loans is so simple, it will only take you a few minutes to submit. Then, you can lean back while our team works hard to assess your application as quickly as possible. We know time matters when you need cash. That’s why you can apply any time of the day, 7 days a week and it’s super easy.

Step 1: Simply apply online. 

You can start your application from anywhere if you’ve got a phone or laptop on hand. Simply scroll to the top of this page to start your application. 

If you would like a heads-up, our loan calculator will help you understand your options. You can select how long you would like to borrow money for and how much. You will see an example for your repayments and can decide whether you want to repay weekly, fortnightly or monthly. Once your proposed loan terms look right, simply click apply and you’ll be taken through the rest of your application. We will ask for a few more details, that’s it. 

Step 2: We assess your application.

Once you hit the submit button, it’s time for us to do the work. Our experienced team will assess your application and make sure we’ve got everything we need. Our aim is to assess your application within 60 minutes if you apply during business hours. However, it might take longer if we need more information from you. If we require more information we will get in touch via text or email. 

Step 3: We deliver an outcome.

Once we are done with your application, we will let you know whether you’re approved. If so, great! We will send you an electronic version of the loan contract to review and sign. When we’ve received your signed contract, we will transfer your funds to your account. How long it takes to show up in your account balance may depend on your bank, but it shouldn’t be too long! If your bank supports NPP you could have the money in your account in 60 seconds! If not, the latest you will receive the funds will be overnight. 

That’s all you need to know about applying with Nifty Loans. If you struggle with any of these three steps, get in touch with our friendly service team, they will know what to do.

Can I also apply over the phone or in a store?

No, we don’t accept applications on the phone. We are 100 % online and therefore can only accept online applications. We want to make the process easy and accessible to everyone. All you need is a phone or a laptop and an internet connection. However, if you are struggling with your application and you would like to talk to someone, you can call our service team and get help. 

Personal loans Australia wide – How much does it cost? 

Costs are a big factor when considering a personal loan. Therefore, we won’t hide anything from you. You can find an overview of fees and costs on our cost page. Additionally, you can use our loan calculator to get an idea of repayment rates and the time it will take to repay your loan. 

If you know in advance that your financial situation has changed and you will miss a payment, make sure to get in touch with our team ASAP. Together, we might be able to find a solution. Otherwise, if you fail to make a repayment on time without notice, additional charges may be added to your loan balance. 

Can I apply for personal loans Australia if I am on Centrelink?

Definitely. At Nifty Loans, we won’t decline your application just because you receive Government benefits. We treat Centrelink payments simply as a regular income, so all we care about are 3 months of payment history in your online banking account. We highly encourage anyone on Centrelink to apply for a personal loan. 

What if I have a bad credit rating? Can I still apply for a personal loan with Nifty?

Yes, you can. That doesn’t mean we won’t check your credit history. However, we won’t only look at that. Your current relationship with money is more important than past mistakes you may have made. When assessing your current financial situation, we want to know if you are able to repay the loan, that’s it. We definitely do offer loans to people with a bad credit rating. If that’s you, apply today or get in touch with our team if you have any further questions about your credit rating. 

Does it cost extra to repay my loan early?

No, it doesn’t! While some lenders charge you early exit costs, we won’t do that. There is no extra fee if you want to repay your loan early. How good is that? Repaying early might even save you money on interest and monthly fees. 

What are you waiting for?

If you have any further questions, reach out to one of the friendly people in our customer service team. They can help you with troubleshooting your application and will tell you anything you need to know. If you want to be friends on Social Media and stay up to date with what we are up to, check out Facebook, Instagram, Twitter, Google +. If you want to know more about finance and lifestyle trends, check out our blogApply today with Nifty if you are looking for small to large personal loans in Australia!

 

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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.