Borrow Money Online | Quick Personal Loans up to $10,000

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Get your cash within 60 seconds of approval*

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Fast Personal Loan

up to $5,000


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.

Borrow Money Online

Need to borrow money quickly? 

Are you in need of a fast cash loan? Have you been searching ‘borrow money online instantly’? Nifty Loans could be your solution! We offer personal loans completely online up to $10,000. If you apply within our business hours, we will endeavour to get back to you within just 60 minutes*. When you need to borrow money fast, Nifty is as fast as it gets.

Options for borrowing money

Not sure where to turn to borrow money online? There are a few options at your disposal.

Online loan

If you are looking for fast outcomes, an online lender could be a viable option for you. Traditional lenders can take longer to process loan applications and have stricter lending regulations. However, online lenders are typically very fast and can often look past your credit score. 

Bank loan

Traditional lenders like banks offer options for you to borrow money. Accompanied by interest and fees, a bank loan is a great option if you are looking for a loan through a reputable lender. However, bank loans are often subject to much stricter assessments than online lenders, which can make it hard for some people to get approval. 

Peer to peer loan

Peer to peer (P2P) lending matches people that have money to invest with people looking for a loan. This is an online form of finance which acts as an intermediary between an investor and borrower, both of whom are charged fees. If you have more questions about P2P lending, refer to the website.

Credit card

Taking out a credit card can be a convenient way to borrow money. Credit cards provide access to funds up to a set limit (this varies depending on the provider) with a minimum payment due each month. You can either pay off your whole credit card bill or the minimum repayments that come with interest. 

Buy Now Pay Later

Buy Now Pay Later services allow you to purchase things and then repay them in instalments. If you have to default or make a later payment, there is a charge associated with this. They operate similarly to a personal loan, but have different fees and terms of use.

Borrow money with Nifty 

Nifty is an online lender that specialises in fast cash loans. We offer loans ranging from $500 to $10,000 that you can access from the comfort of your own home.  If you’ve had an emergency expense spring up out of the woodwork then you could apply for a Nifty loan and have the cash in your pocket in just a few hours. 

You don’t need to spend hours on the phone or fill out mountains of paperwork; our online application takes people on average 8 minutes to complete.  If you apply during our business hours, then you could get approved for your loan in just 60 minutes.* 

How much can I borrow?

We have three types of personal loan options available for you: small loans, medium loans and large loans.

Type of loanLoan amountRepayment terms
Small loan$500 to $2,0006 to 9 months
Medium loan$2,100 to $4,6009 to 24 months
Large loan$5,000 to $10,0009 to 24 months

For a more detailed breakdown of our costs, refer to the costs page or use our loan repayment calculator.

Can I borrow money with bad credit?

Traditional lenders like banks often have strict lending criteria which can make it very difficult to get approved for a loan with bad credit. At Nifty, we like to take a more inclusive approach to lending. As long as you have the means to repay your loan, we may be able to provide you with a bad credit personal loan. We use a web-based service called Credfin that allows us to retrieve a digital screenshot of your bank statements. We use this to verify your income and view your existing financial commitments to assess whether a personal loan is affordable for you. If we believe that you will be able to afford your repayments, we may be able to provide you with an online personal loan with us. 

We cannot offer a personal loan with no credit check. This is because all of our applications are subject to a thorough assessment and we will always follow the responsible lending guidelines set by the ASIC. 

How it works

Once you have submitted your application, our team will begin processing your application straight away. If you apply within our business hours, we could have a loan outcome for you within just 60 minutes*. That is as close to an instant loan that you can find! Depending on which bank you are with, you could have your money in your bank account and ready to use within 60 seconds** of our transfer. 

How to apply 

Ready to apply for a same day loan with Nifty? Follow these simple and easy steps to get started!

Step 1: Apply online

Step 2: We assess your application

Step 3: If you’re approved for your personal loan, review and sign your contract

Step 4: Receive your money

Am I eligible to borrow money?

We have a few standard eligibility criteria that all of our applicants must meet. Please ensure that you meet all of these requirements before you apply:

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • You have had a consistent income into your bank account for the last 90 days
  • You have an active email address and mobile number
  • You have internet banking set up

Documents required

If you are looking for the fastest possible loan outcome, please ensure that you have all of these documents available when you apply. 

  • 100 points of identification
  • Your basic personal information (name, D.O.B, address etc.)
  • Online banking login details (so we can access read-only copies of your bank statements)
  • The reason for your loan application
  • Your myGov details (if you receive Centrelink benefits)

What to consider before applying for a loan

There are a few things you should consider before you choose to apply for a personal loan. Once you have signed your loan contract, you have agreed to all of its terms and conditions. Before you apply, ask yourself these questions:

  • What is the personal loan for?
  • What are the interest rates?
  • How do I plan to pay off the loan?
  • Do I meet all of the requirements to qualify for the loan?
  • What is my credit score?

 Once you have a clear understanding of your loan and what it is for, you can choose a lender that properly suits your needs. If you believe that is Nifty, scroll up and apply now!


How much money can I borrow? 

You can apply to borrow any amount between $500 and $10,000. We will conduct a thorough assessment of your application before determining whether we can approve you for a personal loan. As long as you have the means to repay your loan, we may be able to provide you with up to $10,000.

I’m on Centrelink, can I still borrow money?

We consider most forms of Centrelink as regular income. If you have been receiving your Centrelink payments for at least 90 days, and meet the rest of our eligibility criteria, we may be able to provide you with a loan for people on Centrelink.

What are the fees and charges?

This will completely depend on how much you wish to borrow and your current financial situation. If you would like a more detailed breakdown of our fees and charges, refer to our costs page.

How do the repayments work?

We will set up a direct debit in line with your pay cycle (weekly, fortnightly or monthly). Your loan repayments will be automatically debited from your account on this day. When your loan has been repaid in full, the payments will stop.

*If you apply within our business hours.

**If you have an NPP-enabled bank account.

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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

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 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.