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

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 100% 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.

Borrow money with Nifty

Nifty is an online lender that specialises in fast cash loans. We offer loans ranging from $2,500 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 two types of personal loan options available for you: medium loans and large loans.

Type of loan Loan amount Repayment terms
Medium loan $2,500 to $4,600 9 to 24 months
Large loan $5,000 to $10,000 9 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 when it comes 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 read-only copies of your bank statements 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.

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 $2,500 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.

Ready to Apply?