Instalment Loans | Quick Cash from $500 to $10,000

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Fast Personal Loan

up to $5,000


Car Loan

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.

Have You Been Searching For An Instalment Loan?

Have an unexpected expense that’s threatening to throw your monthly budget out of whack? Well, we’re glad you found us. We can offer quick personal loans, when you need to borrow cash, without hassle. At Nifty Loans, we offer a myriad of cash options, including instalment loans, cash loans for bad credit, and personal loans for people on Centrelink. We could even offer cosmetic surgery loans, funeral loans, even IVF loans! And the list could go on. If you’re looking to borrow, quickly, we want to give you a fair go at getting the loan that’s right for you. You could even be eligible for an easy approval loan with Nifty today! Why not take a break and apply for an instalment loan today… you never know where life could take you with a loan from Nifty.

About Us: Nifty Loans

Nifty Loans is an online lender that is ready to give Aussies a fair go at finding the finance they need. Whether it’s an unexpected expense, or you’re looking to treat yo self and you need a little extra cash with a quick money loan – we can help. You could get a loan today with a little help from Nifty!

We offer small, medium and large loans from $500 to $10,000, and the repayment period depends on the amount you choose to borrow. At Nifty Loans, we want the flexibility to be at the heart of our service. That’s why, when you can apply with Nifty, you can apply at any time anywhere. Our loan service is 100% online, so if you are after online only instalment loans, we’ve got you covered. To apply all you really need is a few minutes of your time, an internet connection and of course coffee (we all know every task is easier with coffee!).

What Exactly Are Instalment Loans?

Instalment loans are personal loans with a set number of scheduled payments over a set period of time. We offer fast easy instalment loans from $500 to $10,000, and you can apply from the comfort of your living room! If you’re looking for a quick cash solution, then give Nifty a go. Our team will do their best to approve your application, and give you the cash you need.

At Nifty, we’re committed to delivering fast service, without the hassle of the big banks. There is no waiting in endless lines, pointless meetings and waiting days to receive your loan. Skip all the fuss and opt for an application you can complete in minutes, and an outcome you could receive in no time! That’s Nifty.

Who Is Eligible To Apply?

To be eligible to apply with Nifty Loans, simply respond ‘yes’ to all the  questions below:

  • Are you over 18 years old?
  • Are you an Australian Citizen or Permanent Resident?
  • Have you received a regular income in a personal account for at least the last 3 months
  • Do you have an active mobile number and email address?
  • Do you have internet banking setup?

If the answer is yes, then you are eligible to apply with Nifty! It’s that easy. We like to make life that bit easier for you. We know life is busy, so let us simplify it. Apply for the quick cash you need, entirely online and have it your pocket by sundown.*

*If you apply during business hours.

What Have Handy When You Apply?

To apply with Nifty Loans all you really need is a spare few minutes and an internet connection. However, we’ll all about making life that bit easier, so here are a few details to have by your side when you complete your application:

  • Personal contact details (e.g. active mobile number and email address)
  • The reason for your loan
  • Internet banking details
  • My Gov details (if applicable)
  • Employment info

If you have these details by your side, you can complete our application in one sitting, without having to rummage through your records to find what you need. If you have any questions about why we require certain details for our application, please email the team at You could even make your summer dreams come true with a swimming pool loan from Nifty – the possibilities are endless!

How To Apply With Nifty Loans

Applying with Nifty is pretty easy. You can complete an application in minutes and have an outcome in no time. All you have to do is follow three steps:

Apply Online

To apply just scroll up and begin with our loan calculator, located at the top of each page. Select how much you wish to borrow and for how long. Then, you’ll see how much you could pay weekly, fortnightly or monthly.

Once you are happy with your proposed loan terms, click the ‘Apply Now’ button! Then, you’ll be taken to an application, just enter a few more details, then submit. Congrats, you’ve applied! Right, easy?

We Assess Your Application

After you submit your form, you can sit back and relax, whilst we assess your application. Our team get straight to work to assess your financial situation. If we need any more info to help us assess your application, we’ll let you know. Otherwise, get back to what you do best and we’ll aim to have an outcome for you in 60 minutes (if you apply during business hours).

Cash Straight To Your Pocket

If we approve your application, we’ll let you know straight away, and send you a contract to review, sign and send back. And it’s all electronic, no need to print out a bunch of papers – we care about your time and the trees! After we receive your signed contract, we’ll transfer your funds immediately. Of course, delivering times are subject to interbank processing times…

Do We Offer Unsecured Bad Credit Instalment Loans?

Yes, we do! At Nifty Loans, we have a fresh take on bad credit. We may conduct credit checks, however, don’t let that deter you from applying with us. Our team looks at more than just your credit score. They also look at your current relationship with money to see if you can afford to repay the loan. So, if the banks say no, apply with us and we’ll do our best to say yes to the online cash advance instalment loans you need.

Yes, we sure do! If you receive Centrelink, you may have been knocked back by traditional lenders in the past. Well, we’re glad you found us! Because we don’t just say no if you’re receiving Centrelink. So, depending on your circumstances, we can classify your Centrelink payments as a regular income. However, we understand that not everything is black and white, so we take the time to assess your application and look at the big picture. Nifty could even provide personal loans for bad credit!

So, if you’re receiving Centrelink and looking to borrow a quick cash loan, then don’t wait, apply today for a fair go.

Why Choose Nifty Loans

If you’ve been searching for instalment loans with monthly payments, then you’ll know there are plenty of online lenders out there. So, we have a few reasons why you should choose Nifty to borrow the cash you need.

We’re Dedicated To Quality Customer Service.

We may be 100% online, but our expert team is right behind your screen, and ready to answer any question you may have. At Nifty Loans, we take the time to make sure you have every detail you need to apply for a loan. So, if you have any burning questions, just send us an email at

No-Fuss and No Paperwork for Cash Instalment Loans.

As you complete our application, you’ll notice we don’t require any paperwork! What about bank statements? Well, that’s easy. We use a third-party system to securely pull read-only copies of your statements, so you don’t have to waste time digging through your old files. That’s why we ask for your internet banking details. But don’t worry, no one will ever see your login details – it’s all encrypted! Find out more about our commitment to privacy here.

We Know Your Credit History Is In The Past.

At Nifty Loans, our smart systems know that your credit history is exactly that, history. In other words, we look at more than just your credit score. Our team assess your current financial situation to see if you can afford to repay your loan. So, if you have bad credit, then we’re the lender you’ve been searching for.

Transparent About Fees And Charges.

In your contract, you’ll see all the possible fees and charges associated with your loan. However, we’re open and frank about our fees. Really! Just ask our team anything, and we’re happy to answer any question you may have.

We Believe Everyone Deserves A Fair Go.

When you apply with Nifty, you are guaranteed a fair go, regardless of your financial past. So, you can trust that we’ll give you a fair go at getting approved for the finance you need.

Instalment loans: What can you apply for?

You can apply for a quick loan for any number of reasons! Here are just a few:

Personal Loans For Unexpected Expenses

We all know the pain of unexpected expenses, you could be late to work, run an orange light and hey $500 fine! That can seriously mess up your monthly budget. That’s when you can apply with Nifty Loans for quick loans. Complete our application in minutes and have an outcome in no time. If you’re approved, you can have cash straight to your pocket.

Quick Cash For Vet Bills

You and your furry best friend share plenty of memorable moments. However, that time when they ate something they shouldn’t have and landed in emergency care was probably memorable for all the wrong reasons. And you’re left with a hefty bill. So, you can apply quickly with Nifty for the cash you need to soften the blow of unexpected vet bills.

Finance For Car Repairs

There is no convenient time for your car to break down. However, when money is tight and there is no room in your budget, it’s especially inconvenient. When times are stressful, the last thing you need is more mess and stress. At Nifty, we like to make life that bit easier. So, just apply with Nifty for car repairs loans up to $5,000.

Unexpected Bills
Vet Bills
Car Repairs

Ready To Apply?

Then, just scroll up and get started with our loan calculator. So, if you’re looking for approval online instalment loans, then just apply with us. Apply for a loan in minutes, and we’ll deliver an outcome quickly. No fuss, just loans without the hassle. Want to know more about how it works?

Let’s Be Friends

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.


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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.