Best Personal Loans | From $2,500 to $10,000 | Apply Now!

Are you currently sifting through the internet looking for the best personal loans on the market? Well, you may have just found the one for you. Nifty Loans aren’t like your traditional lenders when it comes to money lending. We’re a lending service with a difference, changing the lending game – for the better. So, don’t miss out on your best bet for a one-stop-shop with everything you need to get your finances back on track.

Two young people jumping on the sand with mountains in the background

Who Are Nifty Loans?

Basically Nifty Loans is an Aussie lender who believes everybody deserves a fair go at getting a personal loan. We like to keep the past in the past and help you move forward to a brighter financial future. We know that things can happen in peoples lives that can lead to financial setbacks which can be stressful at the best of times. That’s why we make sure our customers are comfortable by treating them like a friend, rather than a number, like you may have experienced when dealing with people in the finance industry.

We are at the forefront of the money lending market using the latest and greatest application systems that we have carefully crafted to make your journey with us super simple! Our application process in 100% online and can be accessed whenever you have the time. No more standing in line waiting and having to fill in lots of forms. With our service, you can get the cash you need in a matter of moments.

Why Trust Nifty Loans?

Because we have helped loads of everyday Aussies with their unexpected financial needs! Our friendly service makes it easier for us to work together to solve your problem. So, expect to be treated with respect and consideration by our team. We take each unique situation seriously and tailor our service to each of our customers. As a result, you can speak to us by shooting us a message at if you have any questions about the terms of our loans.

We Lend Responsibly

We are also responsible lenders who believe in honesty and transparency. This means that we’ll be up front with you, clearly illustrating any fine print details that you may have missed. We don’t want you to suddenly be hit by some hidden fees down the line that you’re not prepared for.

Whilst we can guarantee that you’ll be given a fair chance with Nifty Loans, we only offer loans to people who we find can reasonably afford the repayments. Our loans can be paid off any time in between 9 and 24 months, depending on the amount of money you are intending to borrow. We look at your current finances and your spending habits to determine your eligibility for the best personal loans for you. Consequently, we may use your online banking profile to view your finances, so you don’t need to worry if you’re looking for the “best personal loans for bad credit” as we look at more than just your credit score. We focus on your current spending and how you’re dealing with outstanding debts. We only view your information in read-only format, so there’s no need to worry about any security issues.


How Can Nifty Loans Help?

We believe in 100% transparency, so we’ll make sure that you fully understand the interest rates that you’ll be dealing with during your repayment period. We’re a friendly service who have your backs. We’re not out to get you with loads of extra hidden fees like other traditional lenders.

Our personal loans are quick and easy to access from a place that works for you. You can even apply from the comfort of your own home in a matter of moments with our easy online application form. To top things off, we’ve made our application paperless so you don’t have to get up and turn on the old dusty printer that never wants to work when you need it!

What Are Nifty’s Best Personal Loans?

Secured Loans

Our best secured personal loans are valued anywhere from $2,500 up to $10,000 and can be paid off anywhere in between 9 and 24 months. Our secured personal loans need to be attached to a piece of equity like a car, motorbike or boat. If you choose to attach one of these assets to your loan, you will be required to provide evidence of ownership, including photographs, licensing, registration, etc.

We have kept our repayment periods flexible so that you can arrange the payments to come out of your account at a pace that suits your financial situation. You can choose your payment to come out weekly, fortnightly or monthly. We recommend you align these payments to when your paychecks come in with a direct debit, which we can help you with. This way you’ll have less of a chance at missing any payments which can lead to higher interest rates. Don’t worry, once you’ve paid everything back, the direct debit will be automatically terminated and the money will stop coming out of your account! Also, if you do end up missing a payment, don’t panic. The best thing to do is to let us know sooner rather than later so that we can negotiate a plan that will suit both our parties.

Unsecured Loans

Our best unsecured personal loans are valued from $2,500 all the way up to $4,600. Whilst, we recommend that you attach a loan of over $4,600 to an asset of yours, it’s not compulsory. We like to give everybody a fair go, so if you don’t want to attach equity, you can still get an unsecured loan. You may have trouble accessing a larger sum of money if the loan is unsecured. However, it’s still worth applying for the amount you need, as we’ll do our best to get you the money you’re after. Unsecured loans can be paid over a period of 9 months, depending on the amount you borrow. If you send through your application during business hours, we’ll try to get back to you with an outcome within 60 minutes*. You could even get the money on the same day, depending on your bank.

Who Can Apply?

We like to give every Aussie a fair go, however, there are few things you need to be able to tick off before you can start your application:

You must be:

  • Over the age of 18 years old;
  • Email address and telephone number currently in use;
  • A permanent resident or citizen of Australia;
  • Earning a regular income for a least 3 months prior to your application;
  • Prepared to give us a reason as to why you want to take out a loan with us.

If you’ve said yes to all of the above, then you’re on your way to getting the cash you need! If you have any questions about any of the above information, please feel free to get in touch with us. So, if you’re in need of some assistance out of our business hours, it might be worth checking out our FAQ page to see if it can help you.

What You Need For Your Application

We’ve created the easiest application form for a loan you’ll find, however, just to make sure that you’re not having to run around collecting things as you go, we’ve compiled a list of documentation you’ll want to have close by when you apply:

  • Personal details, such as name, D.O.B. and address;
  • Online banking credentials (to automatically provide your bank statements);
  • MyGov details (if applicable);
  • Reason why you want to take out a loan;
  • Employment details.

All that’s left for you to do once you have this information is to add it to your application form. It’s as simple as that! Our 100% application is designed so that it can be completed in minutes on any of your devices that are connected to the internet.

Ready to apply?

You can apply for up to $10,000 within minutes!