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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

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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.

Are You Looking To Borrow Money Online Fast? Don’t Look Past Nifty!

Personal loans made simple

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!  

Borrow Money

Who are we?

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!

Need to borrow money but have bad credit?

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.

What are bad credit loans?

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. 

Borrow money fast with Nifty!

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.

How to borrow money fast?

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

1. Apply online 

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.

2. Fill out the form 

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?

3. We assess your application 

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. 

4. Sign your contract

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. 

5. Get your cash

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.   


Here's a Nifty fact!

Once your contract is signed, most people have their funds available in their account within 60 seconds!

What to consider when searching for a lender before you borrow money?

How will a loan impact my lifestyle?

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. 

Are the repayments realistic for me?

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.

Are there any positives of borrowing money?

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.

How do I improve my chances of borrowing money?

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: 

  • Your credit score is one of the most important factors lenders consider. So checking your credit score and improving it can increase your chances of borrowing money. But don’t stress, at Nifty we also accept customers with a bad credit rating.
  • Your income is another important factor in the loan approval process. Lenders will want to know if you’re making enough money to pay back the loan. Sticking to your job and keeping a steady income will help.
  • Choosing the right lender can also boost your chances of borrowing money online. We encourage our customers to research their options to find out what works best for them.
  • To maximise your chances of loan approval, choosing a short-term loan might be the right option for you if you don’t qualify for other forms of credit or a loan from the bank. Nifty offers great short term personal loans of up to $10,000, that can be repaid over a period of up to 24 months.

What can I borrow money online for?

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:

  • Moving out and need cash for bond? We’ve got you covered.
  • Car Registration due? We can cover the costs.
  • Need to purchase White goods? We will ensure you get the appliance you need.
  • Planning a home improvement? A personal loan could be an option for funding your renovations.
  • Want to take your dream vacation but need cash for travel? A personal loan can help you see the world
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Here's a Nifty question!

What was the last thing you borrowed money for?

Who can borrow money from Nifty?

To be eligible to apply for a personal loan with Nifty you simply have to meet the following requirements:

  • Are at least 18 years of age
  • Are an Australian citizen or permanent resident
  • Have been receiving a regular income for at least 3-months
  • Have a valid mobile number and email address

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.

How much money can I borrow?

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.

We’re committed to worry-free finance

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.

Responsible lending 

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.

No hidden fees and no early payout costs

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.

Protecting yourself if life changes

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!

What other things do people borrow money for?

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:

  • Property – One of the most common reasons people borrow money is for a mortgage to buy a house or investment property. Getting on the property ladder can be a real benefit as this usually means a long-term investment. Not only having the pleasure of owning something but over time and depending on the market when it comes time to sell, it can increase in value and be sold for a profit.  
  • Car/Vehicle – For many people, the ability to afford a brand new car upfront just isn’t an option. A lot of the time, saving can take a while and even then, may not quite reach the amount required, this is where borrowing money may help. If finances have been calculated to ensure affordability, there are many competitive car loan companies which will provide the money to buy a car and allow the loan to be paid back over a period of time. Which means getting on the road a lot quicker! 
  • Business – For people wanting to start their own business, in whichever industry they choose, business loans are usually the best way to get the kick start they need. Business loans cover a range of things needed to get going. Taking out a business loan allows owners to cover for things such as, set up costs like purchasing of supplies, furniture, machinery and equipment. When starting a business from scratch there are a lot of things to consider and sometimes funds do not reach as far as needed, this is where a loan for working capital will come in handy. Working capital loans allows employers to cover day to day operations until the business is earning a certain volume to cover these costs. If a business has already been established, business loans can also be used for real estate to expand operations. 

Think Nifty

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.

Apply today!

Find out about 24/7 instant cash loans for bad credit and other Nifty Loans!

*subject to when you submit your application

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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 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 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 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.