Consumer Loans | $2,500 to $5,000 | 100% Online | Apply Today

Have you been searching the web for a reliable lender to provide you with a consumer loan? Well, look no further – you’ve struck gold. Nifty could provide you with a consumer finance loan today – without the stress. Our application process is 100% online and super simple to use and navigate.

We can assist you with the cash you need right now. Just apply in minutes using our online application. Our team aims to have a decision for you within 60 minutes of application (during business hours). You could even have the cash in your account by the end of the day. If you’re looking for a trustworthy lender, apply now with Nifty Personal Loans.

You might be surprised. Nifty could provide you with a travel loancosmetic surgery loansfuneral loans, even loans for relocating!


A group of young people outside having a picnic with a small dog in the foreground.

Who Are We?

Nifty is your local Aussie lender. We believe everyone deserves a fair go when it comes to fast consumer loans. We provide happy customers with fast cash on a daily basis. Our goal is to make the process streamlined. In a fast-paced society, not many of us have time to sit around and wait. At Nifty, we get that. We think consumer loans should be fast and painless. That’s why we have revolutionised the process. You can apply 100% online now and could even have a decision within the hour.

Nifty has assisted lots of Aussies in finding consumer loan services. Why should you have to go it alone? We know the world of personal loans can be confusing. That’s why we are here to help. We like to make the process as simple as possible. That means no fuss and no long waiting periods. If you have a question, just shoot us a message at We will do our best to get back to you as soon as possible.

Why Trust Us

We pride ourselves on honesty as well as transparency. We know that lenders can make large claims, however more often than not, fall very short. At Nifty, we will only promise what we can actually deliver. We are always upfront about any fees and charges before you sign your contract. That means there are no nasty surprises. Due to the fact that we are 100% online, we encourage you to contact us at any time with your questions. We will always do our best to get back to you as quickly as we can.

When you choose Nifty for an online consumer loan you can be confident in the fact that what you see if what you get. Not only do we believe in speedy cash but we have a fresh approach on bad credit. At Nifty, we prefer to take a look at the whole picture. We look at your current relationship with money and prefer to focus on the future – rather than dwelling on the past. We think you deserve a fair go.

What Is A Consumer Loan?

Are you a little confused as to what a consumer loan actually is? Don’t sweat it. A consumer loan is basically just an amount of money lent to cover a variety of different expenses. These expenses could include home renovations, holidays, car finance or even cosmetic surgery. A consumer loan can also be used for emergency expenses such as dental or medical costs.

If you’re looking for a fair go at a consumer loan then you have definitely come to the right place. At Nifty, you can be guaranteed a fair go when it comes to consumer loan services. Regardless of where you are or what you are doing, you can apply for a consumer finance loan with Nifty. The process is just so simple. All we need from you is a few basic details and you could be on your way to approval.

Before You Go Ahead And Apply

Before you apply for a consumer finance loan with Nifty, we recommend you do your research. It is extremely important to remember that everyone’s situation is different. We encourage all of our applicants to read their agreement and be aware of any fees or charges they could incur if payment is made late or not at all.

At Nifty, we are dedicated to transparency so there is no need to stress. We will always make sure the terms and conditions of your loan agreement are very clear before you sign anything. We are always here to answer your questions. So, feel free to shoot us through any enquiries at We will always do our best to get back to you as soon as possible.

Who Can Apply?

Pretty much anyone, really. Just tick off these basic requirements before you apply:

  • Be at least 18 years or older
  • Have an internet banking account
  • You have been receiving a steady income for the last 90 days into a bank account of your own
  • You have an active email address and mobile phone number
  • Be an Australian citizen or permanent resident

We think we do a pretty good job of keeping things as simple as possible. So, if you’ve been thinking about applying for a consumer loan, there is no time like the present.

Give Nifty A Go

The process couldn’t be more simple if we tried. Our 100% online services are streamlined so that you don’t have to waste any time at all. We cannot guarantee approval, but we can guarantee you a fair go when it comes to consumer loans. We are proud to be completely different from traditional lenders. Our positive fresh take on consumer finance loans has left us with many successful loans and happy customers. So, if you’re considering applying for consumer loan services, let Nifty take care of you.

We Work For You

Have a look at what we’ve already done for lots of happy Aussies

Consumer Loans Online Amount Approved
Instant Cash Online For Bad Credit AUD ($)2,500
Consumer Loans Online Today AUD ($)4,600
Fast Consumer Loans AUD ($)5,000

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

Want to read more? Find out about how you could get a loan for a Fiji family holiday! You could even get a bad credit loan.

Ready to Apply?