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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.

Get a Loan Today up to $10,000. 100% online. Apply now!

Come across a deal you want to take advantage of but a little short on cash? No problem! Nifty Loans could have your loan outcome in your inbox within 60-minutes (during business hours). No lengthy bank appointments, no fuss, just a yes or no answer, fast! Thinking you need to get a loan today? Keep reading!

A woman flexing her arms with a hooded jacket on. She is facing the sunset.

Unfortunately we do not offer Nifty instant loans, however, our 100% online application process lets us give loan outcomes pretty damn fast. There is no need to make any appointments, as you would with traditional lenders. In the past, you had to had to go to a bank and make an application with a bank manager to get a loan. These days, you don’t even have to leave your house! Just apply online and you could receive a small loan fast!

We offer small short-term loans from $500-$10,000. If approved, we transfer the cash to your bank account, which can even be done instantly! If this sounds good to you, keep reading, and we’ll tell you what you need to know!

How do I get a personal loan with bad credit today?

Fortunately, at Nifty Loans, your bad credit history is not the only thing we will look at. We understand that sometimes, in life, things don’t always go as planned. So when we assess your loan, we will also look at your bank statements and your current relationship with money. We promise to give every applicant a fair go, and not to string you along. If we can’t help you, we’ll let you know quickly.

So, if you’ve got a bad credit history, all you need to do is go to the top of the page, hit the Apply button and fill out the application form. Once your application has been lodged, our friendly customer service team will assess your application and get the ball rolling so you can get a small loan today!

Will you perform credit checks on my application?

Here, at Nifty Loans, we do perform credit checks. We take our responsibility as lenders very seriously, meaning that we are required to conduct credit checks and suitability assessments on all loan applications to ensure that we’re offering a product that is right for you. But, in a nutshell, even if you have bad credit it’s still worth applying since we assess everyone on a case by case basis.

In fact, we look at not only credit history but your income and spending habits too. We believe this gives a better indication of your current relationship with money and the ability to repay your loan. We’re not ones to dwell on the past so, bad credit or not, apply now and let’s see if we can help!

Can I get a loan today?

You certainly could! One of the great things about Nifty Loans is that our application process is straightforward and quick. This means that, if you’re approved and you sign your contract quickly, we’ll transfer cash to your account! You’ll just need to make sure you apply and have your contract signed within our regular business hours. Once you’ve accepted your loan terms, we’ll transfer your funds to you on the next round on banking. How quickly you get your funds may depend on what bank you are with, the very latest you would receive them would be overnight when you accept during business hours. If you have an NPP enabled bank account, you could even get the funds instantly after signing!

How to apply if I want to get a loan today?

If you want to get a loan today, the first step is hit the Apply button at the top of the page! Follow the prompts and answer the questions. Then, submit your application which will arrive in our approvals team’s inbox and your loan assessment will be on underway.

Make sure that you meet these eligibility requirements to get a loan. The following is a list of the requirements that you must meet in order to be eligible to apply for a loan with Nifty Loans:

  • You must at least 18-years of age;
  • Need to be receiving a regular income for at least 90-days prior to applying;
  • Must be an Australian citizen or permanent resident;
  • Need to have a mobile and email address so that we can contact you about the status of your loan application.

If you meet those criteria, the rest is pretty easy! Apply, and we’ll get you an outcome for your application.

Where should I go to get a quick loan today?

The great thing about Nifty Loans is that, since we are 100% online, there is no paperwork to physically hand in! That means there is no need for you to go anywhere to get a Nifty personal loan. You can simply apply from the comfort of your own home, or where ever you are! All you need is access to a device that connects to the internet. Now isn’t that Nifty?

How much can I borrow with Nifty Loans?

At Nifty Loans, you can borrow a small personal loan from $500 up to $2,000 repaid over 6 to 12-months. Alternatively, you can borrow a medium secured personal loan from $2,100 to $4,600 repaid over 9 to 24-months. Or you can apply for a large secured loan of $5,000 to $10,000 that you can repay over 9 to 24-months.

Why do people need to borrow money on the same day?

There are many reasons why people may need quick cash now. Here is a list of some of the reasons people borrow loans from Nifty Loans. One of them might be the reason you need one too.

  • Rental bond;
  • Car registration;
  • Car repairs;
  • Home renovations;
  • Household items (fridge, washing machine, television);
  • Wedding expenses;
  • Planning a holiday.
  • IVF loans.

If the reason you need a loan is in the list above, then maybe you need to get a loan today!

If not, don’t stress! Nifty can offer loans for a variety of reasons, simply submit a brief explanation during the ‘reason for loan’ section of the application.

What if I’m receiving Centrelink benefits? Can I still apply?

The answer is yes! Even if you receive some of your income from Centrelink, you can still apply. We do consider certain Centrelink Payments as regular income so if you fall into the above category then we will be more than happy to help you get a loan today!

What are the possible costs?

Since we have both small unsecured personal loans and medium and large secured personal loans, our cost structure varies slightly between the them. So, to get an idea of how much our loans may cost, simply scroll to the top of the page and use our loan calculator, or visit our costs page.

How do I make my loan repayments?

Making your unsecured loan repayments couldn’t be easier! No, really, you don’t have to do anything! When you apply for a loan you won’t have to start making your repayments until after you receive your money.

Once your loan has been approved we will set you up with a direct debit that will come straight out of your bank account on a nominated day (we will never set your repayments at a higher rate than we think you can afford). Once your cash loan has been paid back in full, then the direct debits will automatically stop. It couldn’t be easier! No bills to remember, no heading to the post office. It’s all done for you!

Why should I get a loan today with Nifty Loans?

There are several great benefits you can enjoy if you want to apply with Nifty Loans. We take pride in the positive attributes we’ve got to offer our clients. So, here’s why you should apply with Nifty Loans:

Our application process is quick and simple!

Because everything is 100% online, there is no paperwork required to physically hand in. That means our application form can take only minutes to complete. In addition, it also means that you can complete it right from the comfort of your own living room, or anywhere that you have access to a device that connects to the internet. Furthermore, you can even be on the go and apply for a loan. That’s how easy it is!

Fees are completely transparent

Another great thing if you want to get a loan today with Nifty Loans is that we are upfront with our fees. All fees and charges associated with your loan will be laid out for you in your loan contract in an easy to read manner. What’s more, if you’re still unsure about the fees and charges on your loan, all you need to do is get in contact with our team of loan experts. They’re great at what they do and are more than happy to answer any questions you may have.

Depending on what type of loan you apply for, other fees and charges may be payable. You may be charged additional fees if you miss a repayment or default on your contract.

If you know that you’re having a tough week and you’re not going to be able to make a payment, get in touch with us as soon as possible. We’re always happy to work with you to come up with an alternative arrangement that’s suitable for everyone. However, we can only do this if you let us know within 1 to 2-business days before the next payment is due.

Repayment process that is hassle free

Fortunately, our repayment process is super easy. We do this by helping you to set up a direct debit so that your repayments come out of your account automatically. That means you won’t have to worry about making your payments on time as they will just be debited from your account when they’re due. You won’t even notice a thing! Just remember not to pull out all of your funds out of your account after you have been paid.

We have an amazing customer service team

One of the things we are proud of here at Nifty is our amazing team of loan experts here to help you whenever you need us. We’ll help you if you have any problems throughout the application process, and we’ll also be there through your loan term if you ever need us!

Loan Terminology

Navigating the realm of digital lending can be confusing, especially when there is so much lingo out there. That’s why we’ve come up with this list of loan terminology: to help you become savvy when you want to get a loan today.

Establishment fee This is the fee that you have to pay to borrow the loan. It is a set fee that everyone must pay for the cost of borrowing money, but it is factored into the total repayment amount.
Borrower That’s you! It’s the person who borrows the money and repays it to the lender.
Lender That’s us! We lend you the money, which you then repay to us at a later date. Banks are also considered lenders.
Unsecured loan This type of loan means that you can borrow money and it does not require an asset to be tied to the loan.
Secured loan This is when you provide lenders with an asset to be tied to the loan. It is usually a car, motorbike, boat or caravan. It is security for the lender in the event that you were unable to repay the loan.
Asset An asset is defined as something of value. In loan terminology, we use the term asset because it is necessary when we are talking about providing a security to borrow a loan.
Credit check A credit check is something that lenders do when they want to see what your credit history is. They do this to decide whether to lend to you or not.
Loan contract This is what we will send you when we extend you an offer to borrow a loan. The loan contract contains all the information that the borrower needs to know, and they can choose whether to accept or decline the contract.


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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 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.