Interest-Free Loans | $2,500 to $10,000 | 100% Online | Apply Now!

Have you been googling interest-free loans?

Are you looking for interest-free loans? In this article, we are going to be looking at some options for no and low-interest rate loans, as well as Nifty’s products. While Nifty can’t provide interest-free loans, we do, on the other hand, offer competitive rates for small loans, great service, and fast outcomes on cash loans. Read on to find out more.

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Nifty Loans

If you’ve been looking for an alternative lender to provide you with a fair go, then you might have found the ‘guy for the job’. Nifty Loans could provide you with the cash you need today. We are 100% online. That means you can apply for a loan wherever you are and whenever you like. You could even do it from the comfort of your own home.

We are proud of the fact that we give all Aussies a chance. So, regardless of your current or past financial history, you could be eligible for a loan with Nifty. We don’t do interest-free loans, however, we do guarantee you will get a fair rate for small loans when you choose a loan with Nifty.

Who Are We?

Nifty is a trusted name in lending. We have a successful history in providing applicants of all different circumstances with reasonable rates when it comes to personal loans. We can’t provide interest-free personal loans, however, we know you will get great service when you apply with Nifty.

Who Can Apply For Personal Loans?

At Nifty, we keep our application criteria pretty simple:

  • You must be over the age of 18
  • An Australian citizen or permanent resident
  • All applicants must have received a steady income for the last 90-days into your own bank account
  • An active email address and mobile phone number
What You Will Need To Apply?

We keep the application process super simple. That means you could complete it in a matter of minutes. If you want to make it even easier, we suggest having these things with you when you apply…

  • Your personal details (name, D.O.B etc.)
  • Online banking logins (so we can access read-only copies of your statement)
  • You will be asked to provide the reason why you are applying for a loan
  • We will need your MyGov details (only if you are receiving Centrelink benefits)
  • You must be able to prove that you are an Australian citizen or permanent resident

Keeping Things Easy!

Fairly simple and straightforward, isn’t it? That how we like it. Unlike traditional lenders, we won’t ask you lots of unnecessary questions. We don’t even do paper forms. Everything is 100% online.

You can apply for a loan where and when it’s convenient for you! If you’ve got any questions regarding the process you can always send us a message.

What Are You Waiting For?

So, what are you waiting for? You could apply for a loan right now! 100% online, super simple! There’s nothing holding you back.

Want to know more? You could be eligible for a renovation loancosmetic surgery loanIVF loan or even a funeral loan with Nifty. While we do not offer interest only loans, we can provide you with the information you need.

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.