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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.

Wondering How to Get a Loan? Nifty Can Provide Personal Loans Up to $5,000 Entirely Online!

If you’re unsure how to get a loan, look no further, Nifty’s online application makes personal loans quick and easy to apply for! With so many lenders out there, it can be difficult to determine which loan product is right for you. Nifty Loans is the trusted name in personal lending. We’ve helped Aussies across the nation gain access to fast finance when they need it most. So, don’t spend hours waiting in line at the bank. We can help you get the money you need – when you need it. Simply scroll up and use our online loan calculator to get started on your free application today!

How To Get A Loan

How do I get a personal loan?

To get approved for a personal loan you will need to fulfil a lenders eligibility criteria and demonstrate that you are financially capable of taking on a loan. All lenders will have certain requirements when it comes to who they can or cannot offer loans to. If you can fulfil these requirements, then you just have to show the lender you’re financially able to meet the repayments of a personal loan.

Not sure how to get a loan online?

If you’re wondering how to get a personal loan online with Nifty, it’s simple. Before you apply, all we ask is that you:

  • Are an Australian citizen or permanent resident
  • Aged 18 years or more
  • Receiving a regular income into your own personal bank account
  • Have an active email address and mobile phone number

If you can fulfil these requirements, then you’re eligible to apply for a personal loan with us! 

How much can I borrow?

Nifty offers three types of personal loans which allow you to borrow between $300 and $5,000. Our loans can be used to cover a wide range of situations, whether you need help with repairs, renovations or medical bills! At the end of the day, we’ll do our best to get you the finance you need.

Here’s a basic breakdown of our loan products:

Loan typeLoan amountLoan term
Unsecured$300 to $2,0006 to 9 months
Secured$2,000 to $4,6009 to 24 months
Secured$5,0009 to 24 months

What do I need to apply?

If you’re not sure how to get a loan or what information you will need to apply with Nifty, we’ve kept our application nice and simple. All we need from you is the essentials! When you apply for a loan with us, we ask is that you provide the following information:

  • Your personal details (e.g. online banking and employment info)
  • A reason for why you need the loan
  • Your myGov details (if you are on Centrelink)
  • Your employer’s contact details

Any information we collect from you is highly encrypted. If you’re not sure why we’d ask for any of the above information, refer to our FAQ page for further details. You can also reach out to us directly by contacting our team for help!

How long does it take to get a loan?

With some lenders, it can take a while to get your personal loan paid out. First, your application has to be assessed and then, if you’re approved, you’ll be sent a loan contract to sign and return. Only once a lender has received your signed agreement will the funds be released. Then, it’s usually up to your bank as to how long it will take for you to receive your money.

If you want to know how to get a loan fast, Nifty could be the answer! We’ve streamlined our application process to ensure fast outcomes for our clients. Should you be approved for a loan with us, we’ll transfer your funds as soon as we receive your signed loan agreement. Provided your bank has NPP-enabled payments, the money could be in your account and ready to use in 60-seconds!*

*You can find out if your bank has NPP-enabled payments and services here.

How to apply for a loan

  1. Select a loan amount

    Using the slider at the top of the page, select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’

  2. Submit an application online

    You’ll then be taken to our online application form. Fill out all the required fields truthfully and to the best of your ability. When you’re done hit ‘Submit’

  3. Get assessed

    Our team will then begin their assessment of your application. If you apply during our regular business hours, you could get an outcome in as little as 60-minutes.

  4. Review and sign your contract

    If you’ve been approved, you’ll be sent a loan contract to review and sign.

  5. Get your cash

    Once we’ve received your signed copy of your loan contract, we’ll transfer your cash directly to you. If you have an NPP-enabled bank account, you could have the cash in your account in less than 60-seconds.

How long does a loan take to get approved?

If you apply during Nifty’s business hours (AEST), we will endeavour to get back to you with an outcome in under 60 minutes. We can’t guarantee approval, but should you be approved we will send through a loan agreement for you to read and sign ASAP. It is important you read through your agreement carefully before signing to ensure you’re aware of all associated fees and charges. Once we receive your signed contract we’ll transfer your funds in 60 seconds*!

*For NPP enabled bank accounts.

Understanding ‘bad credit’

When it comes to how to get a loan, bad credit can often be one of the biggest barriers. ‘Bad credit’ typically refers to a person’s poor credit score. Your credit score is calculated by credit reporting agencies which keep records of your financial history. In Australia, there are three major credit reporting agencies:

Creditors, like banks, provide information about your previous and current credit accounts (e.g. credit cards, loans, mortgages, etc.) to these agencies. The agencies then use this information to calculate your score. 

Why is it hard to get a loan with bad credit?

Lenders look at your credit score as an indication of your credit risk. If you have a bad credit score it is often difficult to get a loan because some lenders may believe it is a little too risky. Even if you can still qualify for a loan, borrowing may be more expensive or you might only be able to take out a loan if you offer an asset as security. However, it is still possible to receive finance from certain lenders based on other factors. 

How to get a loan with bad credit

If you’re wondering how to get a personal loan with poor credit, it’s not impossible. You can find lenders online that take a fresh approach to bad credit history. Nifty is one of them! 

We understand that when it comes to your credit report, bad records can stay on your file for up to seven years – that’s a long time. A lot can change with your financial situation during that time, so that’s why we don’t just take credit scores on face value. At Nifty, we’ll also look at your spending habits, employment status and income whilst determining your eligibility for finance. 

Whether you’re wondering ‘how to get a personal loan with average credit’ or ‘how to get accepted for a loan with bad credit’ we could help you access the finance you’re searching for today!

Do personal loans hurt credit?

Personal loans will affect your credit score just as any other credit account would. Personal loan default listings are usually recorded on your credit report and can be detrimental on your ability to obtain credit in the future. Consistently meeting your repayments and paying your debt can help to improve your credit score. However, a credit default will likely negatively affect your credit score. 

Ultimately, if you want to stay on top of your credit you should always make sure you make repayments on time as outlined in your credit agreement. If you have a loan with Nifty and you don’t think you are going to be able to make a repayment, it is important to get in touch We will always do our best to make alternative arrangements if contacted the business day prior to the next repayment.   

Can I get a loan if I’m on Centrelink?

If you’ve ever wondered ‘how to get a pension loan’ Nifty could provide finance to people receiving Centrelink payments or a pension. This is because we could consider regular government benefits as an alternative form of income if they have been deposited into a personal bank account. The Nifty team will need to take a look at what percentage of your income if from Centrelink to determine whether or not a personal loan is right for your individual financial circumstances.  

If you’re on Centrelink or are receiving a pension and you’re unsure whether you might qualify for a loan with us, we encourage you to apply anyway. It costs nothing to submit an application and we’ll always do our best to find a loan solution that works for you!

How do repayments work?

If you’re approved for finance with Nifty your repayments will be made via direct debit. The Nifty team will do their best to align your repayments with your pay cycle where possible. This means you don’t have to stress about meeting your repayments on time as the money will be automatically deducted from your account on the nominated date. Should you wish to change your repayments at any time, you only need to contact our team!

One of the perks of Nifty is that we don’t charge any early exit fees. This means that you can pay off your entire loan sooner if you’d like, without any extra charge! In fact this will often save you money as well!

How can I increase my chances of getting a personal loan?

When it comes to how to get a loan, there are a number of things you can do to increase your chances of approval. Here are just four of the most important things we recommend you try to increase your chances of getting finance:

  1. Get your credit into shape. If you can see that your score is more than to be desired, work on getting it back into shape by paying off outstanding debts and ensuring all information is correct. 
  2. Don’t ask for more cash than you need. Smaller loans are often easier to get approval for because of the lower risk they pose to lenders. 
  3. Keep your income steady. A regular income is a strong positive indicator to lenders that you will be able to repay your loan. So keeping it steady will help your chances of approval.
  4. Do your research. It’s important that you choose a lender that’s suited to your needs. If your lender is well matched to the needs of your loan, you’re more likely to be successful in your application.

Is a personal loan a good idea?

A personal loan can be an effective way to finance a range of different expenses. Whether you’re looking to consolidate debt, pay off your dental bills or finance a wedding – personal finance can offer a short-term solution. 

That being said, the team here at Nifty are not financial advisors. If you’re unsure whether a personal idea is right for you, you should speak with a professional about your credit options.

Where can I find out more?

If you’d like to know more about how to get a loan with Nifty, check out our How it works page. We have also answered a range of common questions on our FAQ page that may be worth checking out. In the instance you can’t find the answer you’re looking for, you can always contact our team directly for information. We’re more than happy to help in any way we can!

Apply today!

Confident you know how to get a loan? Think you’re ready to apply? Scroll up now to get started on your online application!


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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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Large Loans

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$5,000 - $10,000

Loan amount:
9 - 24 months
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