Direct Loans | $500 - $10,000 | Cash In Your Account Fast | Apply Now!

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Fast Personal Loan

up to $5,000


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for cars over $10,000

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Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

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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.

Get A Direct Loan Today With Nifty!

Navigating monthly expenses and finances can be challenging. If an emergency hits you while you’re short on cash, you may need some additional money to cover these unexpected expenses. In these instances, you may consider employing the services of a lender offering direct loans. However, choosing a lender is never that straightforward. That’s why you should consider direct loans from Nifty!

computer - direct loans

Are you considering using a Lender Finder Service?

When you’re searching for a loan, you may come across lender-finding services that claim they’ll find you the perfect loan. While lender-finders can take a lot of the guesswork out of applying for a loan, they may not always be the best option. Sometimes, these lender-finders may not pair you with a lender who actually is the best fit for your situation.

Alternatively, you could apply with a bank, and spend hours in queues and filling out forms only to be declined. Instead of using a lender-finding service or a bank, it may be a better option to work with a lender directly. So, if If you’re reading this, congratulations. You’ve already met a direct lender. That’s right – Nifty could offer you a very fast loan today! You might even be surprised. We could provide you with travel loans, truck loans, IVF loans, even home improvement loans!

What Are Direct Loans?

If you’re trying to figure out the difference between a direct lender and a traditional lender like a bank, let us explain.

Direct loans differ from credit provided by the banks due to their fast processing times. Nifty offers personal loans that can be approved within minutes, and depending on your bank, transferred within the hour. You can apply for a direct loan with Nifty of up to $10,000 in a few minutes.

Online Loans Direct Lenders

Being able to lodge a loan application with an internet-capable device lets everyday Australians do business on their terms. Raining outside? No stress. Simply boil the kettle, make a cup of tea, and settle into your favourite couch. You’ll be able to send off your loan application from the warm, dry comfort of your living room.

Additionally, using Nifty’s direct loans application process is also 100% paperless. This means a few things. Firstly, that’s fewer trees being cut down (always a win!). Secondly, that means fewer confusing forms for our customers to fill out and keep track of.

Lastly, being online, everything we do is super-fast. If you lodge your application during normal AEST business hours, you should receive an outcome within 60-minutes. From there, you could have the money in your account within 24-hours*. If you have an NPP enabled bank account, you can even get your funds instantly (within 60 seconds)! Pretty quick, right?

*Access to funds is dependent on inter-bank transfer times

What Can You Spend Your Direct Loans On?

The beautiful part of a Nifty direct loan is the level of freedom you’re given, as to how you spend your money. See, direct loans online from Nifty is simply a personal loan. This means you can spend it on personal expenses. In other words, you can use your direct line loans on anything from dental bills, to holiday expenses, to paying for home renovations.

That’s what makes Nifty’s direct loans great for unexpected situations. If something has come out of the blue, chances are you’ll need cash in your account as quickly as possible. So, why not skip the rigamarole of a bank, and the uncertainty of a lender-finder, and apply with Nifty today?

Direct Loans For Medical Procedures

If there is one truism of life, it’s to expect the unexpected. While we try our best to save enough money as a safety net, the truth is most Aussies are only a few missed paychecks away from being in hot water.

If life starts throwing lemons your way, and you find yourself needing unexpected medical treatment, you may struggle to pay them out of pocket. Fortunately, Nifty direct loans may be a great financial tool when it comes to situations like these.

If you’re approved for the direct loan, you could borrow a maximum of $10,000 from Nifty. With a simple repayment plan, you may be able to pay for your medical loan over a period of 6 to 24-months depending on the amount borrowed. This way, you can focus on getting yourself better.

Direct Loans For Home Renovations

Everybody needs a little change now and again. Making changes to your house, however, can often come with a hefty price tag. Nifty wants to make it possible for everyday Australians to turn their house into a home.

Do you need just a few hundred dollars extra to afford that dream couch? Or, are you in need of something larger to give your kitchen that lift? Whatever it is, Nifty can make finding that extra money a walk in the park. For more information, check out our renovation loans!

Direct Loans For Holidays

Sometimes it feels like our savings accounts aren’t going anywhere. No matter how hard we try, life just keeps getting in between us and our savings goals. If this sounds like you, you aren’t the only one.

If you need a break or want to finally see your dream holiday destination, Nifty can help with a Holiday loan. You can use our direct loans for whatever holiday and vacation expenses you may have. So, if the travel bug starts biting, consider applying with Nifty.

Finance And Loans Direct: Is Bad Credit An Issue?

Does the mention of a credit check send shivers down your spine? If you’re worried your credit score may get in between you and a direct loan, it doesn’t have to. Worried that you don’t have a credit history, we could provide you with a loan for little to no credit history at all! Here’s what you need to know…

Can we Guarantee Approval for bad credit loans?

At Nifty, while we cant guarantee, we can guarantee we’ll give your loan application the fair assessment it deserves. We aren’t just going to take one look at your credit score and knock you back. We will look at the whole picture and consider your current relationship with money. So, if you have bad credit, you could be eligible for a bad credit loan with Nifty!

How do we assess bad credit loans?

How are we able to do this? We start by accessing a read-only copy of your banking statements. From here, we’re able to get a better understanding of your current relationship with money. We look at how you’ve been handling other repayments you may have, as well as what sort of income you’ve been receiving. If we’re able to see you’ve been making an effort with your other repayments, as well as receiving income, you may still be approved for your loan, despite your bad credit. That’s because we concentrate on your ability to repay your loan, rather than just your past mistakes.

If it’s just your credit score that’s holding you back from applying for a direct loan, you should still consider applying with Nifty. We are more lenient than institutions like the banks, but can also provide the peace of mind of being with a reputable lender.

Are You Eligible For A Direct Loan?

We’d love to help as many people who have been googling ‘loans direct lenders online’, as possible. There are, however, a few minimum eligibility requirements you need to meet. So, before applying for one of Nifty’s direct finance loans, just make sure you:

  • Are at least 18-years or older;
  • Are an Australian citizen or permanent resident;
  • Have been receiving a regular income for at least three months;
  • Possess a valid contact number and email address;
  • Have a personal bank account with internet banking set up.

Meet all these requirements? Great! You’re one step closer to applying for Nifty’s loans direct.

How To Apply For Nifty’s Direct Loans Online

Applying for direct finance with Nifty can take only a few minutes. Just follow these simple steps to apply for a loan with us:

Step 1: Fill the Online Application

To get started, simply scroll on up to the loan calculator. From here, enter in the amount you’re looking to borrow and your ideal repayment term. You’ll then be given an idea of what your weekly, fortnightly and monthly repayments will be. If you are happy with what you see, click on ‘Apply Now’, and be taken to our application.

Step 2: We Asses the Application

Once you have completed the application form, our assessment team will look over your ability to repay your loan. If you apply within normal AEST business hours, you could receive an outcome within 60-minutes of applying.

Step 3: We Transfer the Funds

If you are approved, we will send over your loan agreement. Once you have read and returned a signed loan agreement, we’ll get to work transferring your funds. Depending on how your bank handles these transfers, you could expect the money to appear in your account within 24-hours. Access to funds is subject to inter-bank transfer times. If you have an NPP enabled bank account, you could even have your funds instantly after approval!

If you are unsuccessful, we are sorry we couldn’t help you this time. Feel free to apply again on a later date. Hopefully, your circumstances will have changed, and we’ll be able to help with your future financial and loans direct.

Benefits Of Nifty’s Direct Line Loans

As we are sure you’re aware, there are so many benefits to applying for direct finance with Nifty. So, if you’re searching for ‘loans direct lenders only’, here’s why you’ll love Nifty:

1. Same Day Response

At Nifty, speed is of the essence with everything we do. Our whole process, from application to transfer, is designed to be as streamlined as possible. If you apply within our normal business hours, you should receive an outcome on your application within an hour. If you apply outside of normal business hours, we’ll get to your application first thing the next business day.

How fast is Nifty Loans? How many people does this apply to?
You can receive an instant outcome. 70% of applications!
Receive final outcome in 60 minutes (during business hours) This applies to most applicants if you didn’t receive an instant outcome.
Cash in your account within 60 seconds of approval! 88% of our customers have cash in their account within 60 seconds of approval.

3. No Fees For Early Payment

Some lenders will charge you a fee for paying out your loan early. Luckily for you, Nifty doesn’t share in this mentality.

We think it’s a positive thing when our customers want to make early repayments on their loan. You can rest assured you’ll never be charged a cent for wanting to get on top of your finances. In fact, you may even save money on interest and fees by paying your loan out early. Pretty cool, right?

4. Spend Your Loan On What Matters

You can spend your Nifty personal loan how you see fit. After all, who understands your situation better than yourself? So, whether you need cash for a medical procedure, holiday trip, home renovation or car repair, Nifty is happy to review your application.

5. We Are Completely Upfront

All our loan products are transparent. Any additional fees and charges will be outlined in your loan agreement. So, if you have any questions regarding your contract details, simply get in contact. Our team of loan-experts is happy to help you with any and all questions you may have.

6. Easy Repayment Options

We have a simple repayment system in place to ensure that you don’t forget making a payment. So, you’ll be set with a direct debit that’ll automatically come out of your account on the day you agree to our terms. However, once you’d repaid your loan, the direct debits will stop.

What are you waiting for? Apply Today!

So, if you have been googling ‘online loans direct lenders’, your search is over. Scroll on up to get started on your Nifty loan application, today!

So, what are you waiting for? You could scroll up and apply for a loan right now!


Apply Now

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.