*During normal business hours.
Nifty Personal Loans is an online lender that takes a fresh approach to lending. At Nifty we utilise the latest cutting edge technology to ensure we can assess and approve your application in the quickest time possible. Nifty aims to deliver a short-term solution to a short-term cash flow problem to thousands of Aussies across the nation. Nifty Loans come in all different shapes and sizes, perfect for any situation. We have some of the best small personal loans out there and they’re quick and easy to get. We want to give every Australian who is seeking easy finance a fair go!
Life is unpredictable and your perfectly planned monthly budget can be made redundant in a flash. So, if an unexpected event hits you, you may need extra quick cash to meet your demands.
For instance, if your car breaks down, you might not have enough cash on hand to pay for the repairs. At such a time, filling out mountains of paperwork or waiting days to have your loan application processed is not desirable. So, what you need is a quick cash loan with Nifty. When you apply for a quick cash loan from Nifty, you don’t have to deal with long queues and pesky appointments. Our quick cash loans are easy, fast and secure. You could even get a fast cash loan online today!
Regardless of financial situation, credit score or if you receive Centrelink benefits, we are determined to look beyond these factors and see the bigger picture. We do conduct credit checks, however, we look at more than just your credit score. We know that a bad credit score can be affected by past economic history, and we like to keep the past in the past and help you moving forward to a brighter financial future. We know that unfortunate situations happen and can lead to financial setbacks which can be stressful and frustrating. You can trust that we’ll assess your individual situation, verify your details thoroughly and only lend you an amount you can comfortably afford to repay.
Every application is assessed against our assessment matrix; we consider your income amount, income stability, loan and direct debit history, dishonour percentage etc. If you’re worried about bad credit, just know that Nifty gives everyone a fair go!
Apply for quick cash loans for people with bad credit today!
How does the application process work?
We take the stress out of applying for a loan. Simply submit an application online, which should take no longer than a few minutes. The loan application is paperless and in most cases, you could receive an outcome within 60 minutes if you apply within our business hours.
Nifty is an online lender. Therefore our application process takes places 100% online. We have made our application process as quick and easy as possible. As long as you have access to the Internet you will be able to apply for a Nifty Personal Loan on any device. You can apply for a Nifty Loan from anywhere.
Our digital application is smart, fast and very easy. This means you can still apply outside of business hours 24/7. Once we open, our loan specialists will aim to have an outcome within 60 minutes, however, this time can fluctuate depending on the number of applications. You can complete our application in minutes, with zero need for paperwork or headaches! If you have any queries, simply contact us and one of our friendly operators will be able to assist.
As responsible lenders, we have specific eligibility criteria that you must meet to be eligible for a personal loan. These are:
Do you meet our eligibility criteria? That’s great! Now, don’t hesitate to apply for a quick loan!
To optimize time and breeze through the application, we recommend you to have all your details and information handy. Providing us with as much correct information as possible means we can give you a fast outcome on the application. In order to get started, you will need the following information handy:
And that’s it. We use the latest in safe banking technology to assess your application quickly! Don’t worry, your personal details are safe with us.
Once we receive your signed electronic contract, we will release the money to your bank account (during banking days). Otherwise, the payment will be processed on the next business day. Thanks to the New Payments Platform (NPP) we can now offer instant bank transfers to customers with NPP-enabled accounts. This means you could see the cash in your account and ready to use in just 60 seconds!
Access to your money is subject to your financial institution. To find out if your bank offers NPP payments click here. It’s that easy! If you have any questions about your payment, don’t hesitate to email our customer service team at firstname.lastname@example.org or give us a call on 1300 471 328.
If you have submitted an application and it is passed to our assessment team, they will conduct a full income and expenditure assessment and request any required documents (payslips, loan statements etc). So, sit back and relax whilst our loan specialists get to work assessing your loan.
From here, you should receive a decision within 60 mins (during business hours). So, keep your emails open, your phone handy and we will be in contact with you!
In addition to credit checks, we also assess your financial suitability by looking at your current income and spending habits. We are required by law to obtain the past 90 days of your most recent bank statements. We use these both as a form of identification and a platform to assess your financial suitability. Please be aware that we may request bank statements from any account you have previously owned (open or closed), this is to ensure your income and expenditure assessment is as accurate as possible. We use the latest in safe banking technology to deliver the fastest results and at the same time safeguard your information.
We access your recent bank statements through our trusted partners, who use the same technology used by a number of other financial services companies. This means you can avoid all the messy and time-consuming work of getting your bank statements to us. It is not possible for anyone at Nifty to see or access your online banking password.
Nifty Personal Loans’ fees are competitive with other short term lenders. If you do not make the repayments on your loan, additional fees may apply. We will outline these fees in your loan contract. So, make sure you read your agreement carefully before signing. For more information on the costs of a Nifty Personal Loan, please see our costs page.
Repayments are made by direct debit in line with your pay cycle. This takes the hassle out of making repayments as the money is automatically deducted from your account when nominated. For the most part, repayments are aligned with your pay cycle.
There are no extra costs to pay out your loan early! In fact, paying out your loan early may save you money on monthly fees or interest! Isn’t that Nifty?
If you can’t make a repayment, you should contact us straight away. Our friendly customer service team will be happy to discuss your situation.
We understand your circumstances may change after taking out a loan. If you are experiencing financial hardship, you should contact us immediately, and we may be able to vary your contract. Contact 1300 471 328 or send us a message via our contact page.
You can contact us using the details on the contact us page.
Should you not be satisfied with the service you have received, please let us know. For more information on how we manage complaints, please see our dispute resolution policy.
You can apply for a loan at any time, whether you are an existing customer or not. We will assess each loan application to make sure it will be suitable for you in line with our responsible lending obligations.
If you need information about your account, such as statements or balances, you can check the status of your loan through our online portal. If you’re unable to find what you’re looking for or have any questions, just get in touch with our team.
Want to read more? Find out how Nifty could provide you with a consumer loan today!
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$5,000 - $10,000
$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.