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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.

Get The Best Personal Loans for you From Nifty

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.

best personal loans

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 6 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?

Nifty Loans come in all different shapes and sizes, perfect for any situation. We have the best small personal loans out there and they’re quick and easy to get. Since our loans can help you in any situation, what you spend the money on is up to you!

Secured Loans

Our best secured personal loans are valued anywhere from $2,100 up to $5,000 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, licencing, 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 $300 all the way up to $2,000. Whilst, we recommend that you attach a loan of over $2,000 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 of anywhere between 6 and 24 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.

Our Best Personal Loans Comparison

Struggling to picture how one of our loans may look? The table below is an example of some of the loans we have approvedt:

Title Loans Loan Amount Approved
Small loan $360
Medium loan $3,200
Large loan $4,750

Disclaimer: The figures used in the table above are for demonstrative purposes only. They do not, in any way, reflect the amount you may be approved for or the terms of your possible loan.

At Nifty, our small loans are valued anywhere from $300 up to $2,000 and usually don’t need to be secured. We then offer medium loans ranging from $2,100 up to $4,600. Finally, our large loans are valued at $10,000. We can offer you easy repayment plans that make paying off the loan simple. If you, however, decide to pay off the total of your loan early, you can do this at no extra charge. This will help you avoid any increases that may arise in interest rates.

We’ve given loans to lots of everyday Aussies, helping them move towards a better future with their finances. Our loans have helped cover a wide range of situations, such as wedding expenses and car repairs. In fact, we’ve even helped Aussies pay for holiday expenses so they could live their best lives on a beautiful sunny beach somewhere! Whatever your situation is, we’ve got you covered. So, whether you have bad credit or receive Centrelink, we’re ready to help give you the finance you need.

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.

Step-by-step Guide For Applying for Nifty’s Best Personal Loans

Step One: Ready to Apply?

By now, hopefully, you’re ready to apply and have all of the required documents prepared. Simply scroll up to the top of this page where you’ll find our loan calculator to help you enter in the amount of money you’re looking to borrow. You can then select the amount of time you think you’re going to need to repay the loan. Finally, you will be asked to give a short description as to why you need the loan.

Step Two: We Assess Your Application

If you apply during our business hours, we will get straight to work on reviewing your application to see if you’re eligible for a loan. We will look at your credit score, your recent spending, any outstanding debts and any defaults you’ve had in the past. At this stage, all we ask from you is that you keep your phone at hand in case we need to contact you.

Step Three: Wait For An Outcome

If you apply during our working hours, we’ll try to get back to you within 60 minutes. So sit back and wait for an outcome. We’ll let you know by text or email.

Step Four: Get Paid!

If you’re approved, we will release the funds into your account immediately. At this point, it’s up the bank to use to know how long it will take for you to get the funds into your account. But if you have an NPP enabled bank account, you could receive the funds instantly!

Ready to apply?

So what are you waiting for? Nifty Loans might have the best personal loans on the market for your situation. So, speak to one of our friendly team today after sending through your application. We can’t wait to help you out!

Read up on 7 spooky Aussie money facts you didn’t know about this Halloween season!


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Andy Andy


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 Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.