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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 the best loans online? Nifty can help you access personal finance in no time

Quick personal loans, 100% online!

Are you looking for the best loans online? Nifty is the lender with a difference because we think all Aussies deserve a fair go when it comes to a personal loan. We understand that no two people are alike, that’s why we assess loan applications on a case by case basis. We won’t base our assessment solely on the result of a credit score check. The Nifty team will look at how you are going to repay your loan to determine whether or not a personal loan is right for you. An application with Nifty is free. So, keep reading to see how we could help you today!

Best Loans

What is a personal loan?

A personal loan is an amount of money that is borrowed at a fixed or variable rate over an agreed-upon period of time. Banks, credit unions and online lenders all provide personal loans that are secured and unsecured. A secured personal loan requires collateral to be attached as security, whereas an unsecured personal loan does not. 

Where can I find the best loans? 

Ultimately, the best place to take out a personal loan differs from person to person, based on their individual requirements. If you’re looking for a quick financial boost, though, we may be the lender for the job!

At Nifty, we provide personal loans from $300 to $5,000 that can be accessed 100% online. With our simple processes and fast outcomes, we can provide some of the best loans for convenience. 

Above all, our team is committed to making life easier for you. So, if you submit an application during AEST business hours you could have an outcome from our team in just 60 minutes! At Nifty, we cut straight to the chase so you can get access to the best small loans in Australia. 

Looking for best place to get a personal loan with poor credit?

At Nifty, we believe online lending should be simple and stress-free for all Aussies. We don’t think it should take weeks to gain approval on a personal loan application and we don’t think a bad credit score should hold you back. Consequently, our team will take a realistic look at your finances when you apply for a loan with us. If we can see you have made a considerable effort to reconcile poor credit you could be approved for a loan. 

At Nifty, we don’t judge applicants on their past. We’ll look to the future so you get the best possible chance at approval on a personal loan. So, there is no need to google ‘best quick cash loans bad credit’, Nifty might be the one for you! 

How do I apply?

Looking to find out if Nifty really is the best place to get a short term loan? If so, you’ll be pleased to know that our application process couldn’t be simpler. Here’s what you’ll need to do: 

1. Apply 100% online 

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

2. Fill out the form 

If you’ve chosen to go ahead with your application you’ll be directed to our 100% online application form. This could only take minutes to complete – we told you we have some of the best loans for convenience!

3. We assess your application 

Once you’ve completed your application form you can sit back and relax – the Nifty team will do the hard work for you. We’ll conduct a fair and reasonable assessment of your loan application. This usually complete within 60 minutes during business hours!

4. Sign your agreement 

If the Nifty team have successfully matched you with a personal loan you will receive a contract to review and sign. We encourage our borrowers to read through their agreement carefully and make themselves aware of any fees or charges that could incur for late or failed payments. When you’re happy just electronically sign your contract online!

5. Get your cash 

Once we receive your signed agreement the Nifty team will transfer the cash straight to your account. Thanks to instant banking you could have the cash in your account and ready to use in just 60 seconds.* 

Who can apply? 

If you’ve been searching for the ‘best loans online’ then you probably want to know if you can apply. To be eligible for a personal loan all we ask is that you meet the following requirements: 

  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90 days into a bank account that is your own;
  • Applicants must have an active mobile phone number and email address that we can contact you on; 
  • Use internet banking.
  • Applicants must be an Australian Citizen or Permanent Resident

Will I need to fill out paper forms? 

No! At Nifty, we don’t do paper forms – we won’t even ask you to provide paper copies of your payslips. When we say 100% online we mean 100% online. Our application form could only take you a few minutes to complete. If you apply during AEST business hours our team will do their best to get back to you with an outcome in 60 minutes. Here is what we suggest you have handy when filling out the form: 

  • Personal details like your online banking & employment info; 
  • An active email address and mobile number;
  • The reason you are applying for the loan; 
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer and contact details.

Will Nifty call my boss? 

In some cases, the Nifty team do conduct employment checks. Employment checks are a part of our commitment to responsible lending. We conduct these checks to verify a few important details associated with our loan assessment procedure. If you’re worried about security there is no need to be. Our team conduct employment checks with the utmost professionalism. Nifty will never disclose any of your personal or private information to your employer – that includes the reason why you are applying for a personal loan. If you’ve got questions regarding our employment check procedure you can get in touch with the team or head to our FAQ page for more information.

Why does Nifty need my online banking details?

Our team use your online banking details to access read-only copies of bank statements. Bank statements allow us to look at factors such as income, spending habits and pre-existing financial commitments. This gives us a better idea of whether or not you will be able to repay the loan and helps us look beyond your credit score.

Can I get a payday loan? 

At Nifty, we do not provide payday loans in the traditional sense of the word, that being loans that need to paid in full on your next payday. So, if you’ve been googling ‘best approval payday loans’ then it is important to remember that Nifty does not provide these types of loans. At Nifty, we provide SACC loans which are small amount credit contracts. SACC’s can be used in a similar way to payday loans. You could apply for a SACC with Nifty in a matter of minutes and receive an outcome in just 60 minutes.** 

A SACC loan with Nifty is repaid over a maximum of 9 months and does not require collateral as security against the loan. So, if you’re looking for a small amount of cash that can be accessed quickly, then you could apply for a SACC with Nifty. 

Small LoansUnsecured$300 – $2,000
Medium LoansSecured$2,100 – $4,600
Large LoansSecured$5,000

What can I use a personal loan for?

Wondering what you could use a Nifty loan for? At Nifty, we will ask you to site the reason you are applying for a loan on your application form. There is no need to stress, we approve loans for a variety of different circumstances. Here are a few examples: 

Cosmetic surgery loans 

That’s right, Nifty could even provide a personal loan for cosmetic surgery expenses. If you’ve been googling ‘best cosmetic surgery loans’ then you might have just found your new lender. Nifty could approve you for between $300 and $5,000  cash today. You can apply online wherever you are and whenever you like. Nifty is proud to be Australia wide. We don’t ask you to complete any paper forms. Just speedy online applications so you get the cash you’re looking for ASAP!

Debt consolidation loans 

Are you looking to consolidate your debt? If you want to make repayments a whole lot easier, this could be a good idea. What’s so good about debt consolidation? Debt consolidation basically combines all your outstanding debt into one easy payment. That means you won’t have to worry about different interest rates or making multiple repayments across the week or month. 

Nifty provides debt consolidation loans between $300 and $5,000. The best part is you won’t even have to leave the comfort of your own home. An online application could only take you a few short minutes. So, if you’ve been searching for the best debt relief loans, you might have found the lender for the job. 

Before taking out a consolidation loan, there are many things you will need to consider. You need to look at the costs of refinancing your debt, and payout fees for your other loans, your new interest and comparisons rates, when compared to your old ones, just to name a few. If you need help deciding if a debt consolidation loan if right you, you can also consult an independent legal or financial counsellor.

Car registration loans 

Are you looking for car registration loans? Good thing you’ve found Nifty! We offer car registration loans between $300 and $5,000 for Aussies all over the country. If you’ve broken down and the budget just doesn’t have the wiggle room for car repairs then why not ask Nifty for a hand. We make online lending simple and stress-free. 

You can apply for a personal loan in minutes and you could have an outcome in just 60 minutes.** The introduction of instant banking means you could even have the cash in your account and ready to use in just 60 seconds.* So, there’s nothing holding you back.

Fees and charges 

Worried about nasty surprises? When you apply with Nifty there is no need to be. We don’t believe in hiding anything from our borrowers. The terms and conditions of your loan contract will be clearly outlined. We encourage applicants to read over their contract carefully and discuss any concerns with a member of our customer service team.

If you’ve been searching for the ‘best personal loan rates in Australia’ then you’ll be pleased to know that Nifty offers competitive rates in the small industry. Head over to our costs page to check out what a personal loan could cost you. Alternatively, you can scroll to the top of this page and use the online loan calculator to start the application process. 

Our commitment to customers

Nifty is proud to be part of the responsible lending community. We take our online lending very seriously and always do what is right by our borrowers. Our team is here to support you through the life of your loan. We encourage our clients to get in touch whenever they require assistance. At Nifty, we want to promote financial freedom so we will never approve an applicant who does not have the means to repay a loan. If you’re looking for the best loans around then we recommend shopping around and considering all of your options and weighing up what is important to you. If you decide that Nifty is your best personal loans, than that’s great! Apply with Nifty today!

Want to know more?

Are you getting enough effective exercise?

Check out the millennial spending myths we’ve busted!

Find out more about an unsecured loan with Nifty. 

*Only available for NPP enabled bank accounts. 

**If you apply during AEST business hours.

 

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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.