*During normal business hours.
*Only available for NPP enabled bank accounts
- It's possible with Nifty.
Need to borrow money now? If you’ve ever wondered how to borrow money fast or where the best place to borrow money is, you’ve come to the right place. At Nifty Loans, we pride ourselves on our fast and easy loan applications. Apply for personal loans worth up to $10,000 entirely online and we could have an outcome for you in just 60 minutes!* If you’re looking for a fast, reliable and safe way to borrow money, give us a go today. We’ll show you just how nifty our loans can be!
Nifty, we’re the online lender shaking up the finance game. We’re one of the best at what we do for a few reasons. Our loan applications are super easy and fast. We offer both secured personal loans and unsecured personal loans for a variety of different circumstances.
The best part is, Nifty is an open-minded lender. That means we will look at where you are at with your finances now. Wondering where you can borrow money with bad credit? Choose Nifty!
Unlike traditional lenders who follow strict rules when it comes to bad credit, our team focuses on how you are going to repay your loan. We cannot guarantee approval, but we can guarantee we will assess your application with an open mind and give you a fair go.
A bad credit loan is a loan given by a lender to someone who has a poor credit history. A bad credit loan is also for people who don’t have good credit scores. At Nifty, we understand that circumstances change and that’s why we accept applications from individuals with bad credit scores. Above all, we treat our customers with respect and leave the past to the past.
If you are trying to borrow money without a credit check, we may still be able to help you out. We do conduct credit checks on all loan applications, however, credit history isn’t the only thing we look at. We don’t specifically allow you to borrow money with no credit check, however, we do look at more than just your credit score. As responsible lenders, we have a set of additional rules and criteria that we use to assess your application for eligibility. As a result, we could help you borrow money with bad credit due to other factors.
When you’re looking for quick cash, whether you need to borrow cash for bond or borrow cash against a car, Nifty Loans could be able to help with all things money! Here is how to borrow money fast with us:
Head to the loan calculator at the top of the page and select your desired loan amount and the period of time you would like to repay it over.
We will need to grab some important info from you so our team can conduct a thorough assessment. Nifty’s 100% online application could only take a few short minutes to complete. So, why not get started right now?
Once the Nifty team receives your online application we’ll get going on our assessment. If you’ve applied during AEST business hours you could even hear back from us in just 60 minutes.
If your application is successful our team will send over an agreement for you to review and sign. Read through your contract and make sure you are aware of the full terms and conditions. You can get in touch with our team if you have questions.
As soon as the Nifty team receives a signed copy of our agreement we will deposit the cash straight into your account. If your individual bank is NPP or Osko enabled you could have the cash in your account and ready to use in just 60 seconds.
Once your contract is signed, most people have their funds available in their account within 60 seconds!
Before you apply it is important to think about how it will affect your budget and your lifestyle. Taking out a loan from just any lender can be expensive, especially if you don’t do your research beforehand. If you have decided that you want to go ahead with a loan application, make sure you consider whether or not you will be able to sustain the repayments.
Before you start your application it is also a great idea to estimate a quick budget for yourself to see if a loan is a financially realistic option for you. Remember that a lot of companies will perform credit checks on your file, so if your budget indicates that you probably won’t be able to afford loan repayments, you might need to reconsider. Unfortunately, with Nifty Loans, we don’t give our applicants the option to apply for a no credit check loan. We conduct credit checks on all our applications. However, we do look at more than just your credit score.
It’s not all that bad. Borrowing money can have some great positive effects as well. Not only are you getting the funds that you need to cover that unexpected expense, but if you repay your loan responsibly you could build yourself some great repayment history! Good repayment history may be looked upon favourably by other financial institutions. It is an indicator that you can handle your finances and responsibilities well and that you’re at a low risk to lend too.
When applying for a personal loan, there are a few ways to increase your chances of approval. We recommend taking a look at the following:
We’ve all been in a situation before where unexpected expenses arise. Maybe you need to pay off a bill quickly or need help with medical expenses. Whatever the circumstances, we could help. Nifty Loans have helped Aussies get quick access to money when they need to cover emergency expenses.
Here are a few reasons why you may need to apply for a loan:
What was the last thing you borrowed money for?
To be eligible to apply for a personal loan with Nifty you simply have to meet the following requirements:
If that’s a yes for all of the above, you can start your application now and check out which of the Nifty Loans is best suited to you.
So, you’re wondering ‘how much money can I borrow?’ At Nifty, we offer flexible loan options anywhere from $300 all the way up to our $5,000. Our loans come in three main types.
|Small Loans||$300 – $2,000||No security|
|Medium Loans||$2,100 – $4,600||Can have security|
|Large Loans||$5,000 – $10,000||Security Recommended|
Wondering how quickly you could have the cash in your account? The good news is if your individual bank account is NPP or Osko enabled you could have the cash in your account and ready to use in just 60 seconds.
If you have any questions about our application or just want to have a quick chat, give our friendly customer service team a call. They’ll be able to answer any questions you may have.
Has an unexpected expense or situation caught you short of cash recently? At Nifty Loans, we understand that those unexpected life events can and do happen. No one plans on having to apply for fast cash but sometimes there just isn’t any other alternative. But when that day does come, we want to be there to help you out. That’s why we try to make the whole process as stress-free for you as possible. If you’re looking to borrow money for renovations or to borrow money against a car, then apply with Nifty Loans for hassle-free lending.
Traditional lenders are notorious for leaving you buried in paperwork, but we’re different. This isn’t our style. Nifty Loans is 100% online. You can apply anytime from your smartphone, tablet or laptop. You won’t have to go and hunt down all the paperwork you would for a bank loan, subsequently slowing the whole process down.
You can also take comfort in knowing that we are responsible lenders. At Nifty, we comply with all relevant legislation. We also have our own set of responsible assessment and lending criteria to ensure that we will always thoroughly consider your financial circumstances before approving a loan for you.
Looking to borrow money now? Then apply with Nifty Loans for a quick application and fast results.
When you apply with Nifty, you won’t have to worry about hidden fees or early payout charges, they will always be listed in your contract. That’s right, we pride ourselves on being totally transparent when it comes to any and all costs and fees. Want to talk about these fees before you make an application? No problem! Just get in touch with the Nifty team. Nifty is different from other lenders. We believe in our clients being fully informed before they make any decisions.
Nifty doesn’t charge early payout fees! Furthermore, we encourage you to pay your loan out early if you’re able to. The earlier you pay off your loan the more you may save on your monthly fees. With our no early payout fee guarantee, you could save yourself money in the long run. Getting you back on your feet is what Nifty is all about.
We understand that sometimes life throws you a curveball. Yet, when life hands you those lemons, don’t fret. Just give us a quick call and we may be able to help you out quick smart. We’ll do our best to make the process as quick and painless as possible as we want to help you get back to being financially fit. Let us help you make lemonade with those lemons.
If you have been approved and you find that your repayments need to be changed, then let us know! The sooner you let us know that your circumstances have changed, the more we can do to help you. So, it’s important to let us know as soon as you possibly can. We’re here to help you in any way we can!
There are many benefits of borrowing money if it is right for you. Depending on your situation, budget and affordability borrowing money could be the helping hand you need to get a step ahead. There are many reasons why people opt to borrow money, here are just a few:
At the end of the day, if you are looking for a fast way to apply for cash online from a reliable, trusted and understanding company – choose Nifty Cash Loans.
We are completely committed to respecting you and your situation and assessing you for a cash loan that is right for you. We consider people with bad credit, no credit or receiving Centrelink or cash advance loans. Nifty Loans is here to help.
So if you’re wondering where to apply for quick cash, give Nifty Loans a go.
Find out about 24/7 instant cash loans for bad credit and other Nifty Loans!
*subject to when you submit your applicationApply Now
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.Read More
$2,001 - $4,600
$300 - $2,000
* 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.