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Fast Personal Loan

up to $5,000

or

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

Estimated repayments:

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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.

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Wondering How to Get Money Fast? We Could Help!

What is the best way to get money when you need it?

There’s no right or wrong way to get money in today’s world. You might get money from an online lending service, a friend or family member or by visiting your local bank branch. Whoever you turn to will depend on your needs and what you’re borrowing money for.

Nifty is the online lender Aussies trust when they need fast, reliable and safe cash. We are a friendly hassle-free money lender like no other. So, if you’ve been googling ‘best place to get a money loan’, ‘how to get quick money’ or ‘places to get money loans’ you could submit an application with us in a matter of minutes. With Nifty, you can expect quick outcomes. If you apply during AEST business hours, you could see the cash in your account on the same day, if not instantly when approved! 

Get Money

Where can I get money fast?

You can get money from a variety of different sources such as online lenders, banks, and other creditors. Ultimately, the fastest way for you to get money will depend on how much you’re looking to borrow and for what purpose. 

If you’re looking for quick personal loans, Nifty Loans could be the money lender for you.

We’ve helped loads of Aussies get the cash they need without the fuss. This is because our application is 100% online and could take only minutes to complete. Best of all, it’s free to apply, so even if you’re unsure whether you qualify for a personal loan with us, it costs nothing to find out!

What is a personal loan? 

In a nutshell, a personal loan is money borrowed from a bank, online lender or credit provider that is repaid on a fixed weekly, fortnightly or monthly schedule. In most cases, a personal loan will accrue interest and may include other fees or charges. Small personal loans are often unsecured, whereas larger personal loans usually require collateral in the form of a car, motorbike, boat or caravan as security. Personal loans are an ideal choice if you need money to cover private expenses like bills or travel costs. 

How to get money loans with bad credit

It can be difficult to borrow money when you have a bad credit score, but it’s not impossible. Many lenders may still consider applicants with a bad credit history, provided they fulfil other requirements.

At Nifty, we know that bad credit scores can hang around for a long time. As a result, we like to leave the past in the past. If we see that you’ve been working hard to stay on top of your finances, we will take that into consideration.

We will take a look at your credit score, but it’s not the only thing we will consider. We also look at things like income and expenses when assessing suitability. So, if you’ve been googling ‘how to get a money loan with bad credit’ you could scroll up and apply with Nifty. 

Which size loan can I get?

If you’re interested in applying for finance with Nifty, there are three loan sizes you can choose from:

Small loans

We offer small loans valued between $300 and $2,000. These loans can be repaid over 6 – 9 months. Small loans are unsecured, meaning that they do not need to be attached to a piece of equity. 

Medium loans 

We offer medium loans valued from $2,100 up to $4,600. A medium loan can be repaid over a period of 9 to 24-months. Medium loans might need to be secured to an asset. This could be your car, motorhome or boat. We will let you know if you’re required to secure these loans.

Large loans

Lastly, we offer loans valued at $5,000. This is the largest amount that we lend. Like medium loans, you will be given a period of 9 to 24-months to pay off the loan. Larger loans usually require collateral as security. 

How do repayments work?

The repayments will be deducted from your account either weekly, fortnightly or monthly. You will be able to select this option when you apply. The easiest way to repay a small loan is to set up a direct debit aligned with your income, which we do for you. This way as the money comes in, it automatically goes towards your repayment without you having to think about it. Don’t worry, once you have completed the repayment, the direct debit will be automatically stopped.

What Can I Use My Money For?

It’s up to you how you use the money you borrow. We’re aware that all of our customer’s situations are unique. Therefore, we ask you to give us a short description of why you need your loan. Here are a few examples of how we’ve helped Aussies in the past:

Car repairs

These loans are for those emergency situations. Those moments that really test our patience. Like when your car breaks down during a school week or your window is smashed. Nifty’s fast outcomes can get you the cash you need to get your car back on the road in no time. 

Medical bills 

Have you been hit with a big hospital bill from an unfortunate turn of events? With the help of Nifty, you no longer have to stress about covering the costs of your recovery. Get yourself back to good health so you can get back to work. 

Vet bills 

A trip to the vet can incur some hefty fees. If you don’t have pet insurance or haven’t created an emergency fund, you may not be able to afford the treatment costs. That’s where Nifty comes in. If you’re looking for a fast way to get money you could apply with Nifty today.

3 Reasons to Choose Nifty

1. We Use Instant Banking

Want to know how to get money fast? If you’ve been Googling ‘get a money loan online’, then you might be in luck. We use instant banking to allow customers to get money with a fast loan today, so you can get on with your business, instantly! Basically, this means that if you’re approved for a loan the funds could be in your account and ready to use in just 60 seconds after release.* 

Above all, we are committed to providing a service for our customers that is fast, safe and affordable. To find out more about our instant banking services, click here.

2. Your security is our priority

Nifty doesn’t exist without people like you. That’s why we prioritise your privacy and security. Our team of professionals are experts when it comes to inter-bank transfers – so there is no need to be concerned about safety. Instant banking is as safe as a regular bank transfer. We use the same level of security as the banks do. So, you can rest easy knowing that your information and cash is safe with us. 

3. No hidden fees

That’s right. Nifty is changing the lending game. We pride ourselves on being 100% transparent with any fees and charges. All of the fine print that’s easy to miss will be clearly outlined in your contract. Our team is here to help and we will do our best to make sure you understand everything fully. However, it is the applicant’s responsibility to ensure that they are aware of any fees that could incur from late or failed payments.

Am I eligible to get money?

We like to keep our application criteria as simple as possible. In fact, if you can meet the following criteria, you could apply right away:

  • Aged 18-years or older;
  • Holds an active online banking account;
  • Receives a regular income into a personal bank account;
  • An Australian citizen or Permanent Resident;
  • Holds an active email address and mobile number.

To find out more about the type of loans we offer. Scroll down to the bottom of this page to see what a loan with Nifty could look like for you.

How can I apply to get money?

Applying for a loan with Nifty could take you just a few minutes. All it takes is four simple steps:

Step one

Apply online using our loan calculator to enter the amount of money you wish to borrow. At this stage, you can also choose how often you would like to schedule your repayments. When you’re happy simply click ‘apply now’.

Step two

If you choose to proceed with your application, you will be directed straight to our full application form. You are likely to need only a few minutes to complete the form. If you submit your application during AEST business hours, our team will get straight to work. We could even have an outcome for you within 60 minutes, provided we do not require any more information from you.  

Step three 

Keep an eye on your phone and emails as we will then be in touch with an outcome. If your application is approved, you will be sent over a loan contract to review and sign. It’s important to thoroughly read through the conditions of the contract. If you have any questions, this is a good time to ask them before you finalise things. So, just shoot our team a message if you’re unsure of anything. 

Step four

Once we receive your signed contract, we will transfer your funds immediately. So, the money could be in your account and ready to use in just 60 seconds!* However, if your bank does not have NPP-enabled transfers, then it may take longer for you to receive your funds. Check with your financial institution if you’re unsure of inter-bank transfer times.

Learn more 

Whether you’re looking for a home improvement loan or a white goods loan, we could help you access the quick cash you need today.

For more on the latest in finance, lifestyle and travel – check out our blog

*Only available for NPP enabled bank accounts

 

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Andy Andy

AUTHORITATIVE SOURCE

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 Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.