Instalment Loans | Quick Cash from $2,500 to $10,000

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 loansfuneral loans, even IVF loans! 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 $2,500 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 $2,500 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.

What to have handy when you apply

To apply with Nifty Loans, all you need is a spare few minutes and an internet connection. However, we’re 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

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.

Can We Offer Online Cash Advance Instalment Loans For Centrelink Recipients?

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.

Ready to apply?

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?

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.