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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 A Lender To Provide Interest-Free Loans?

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.

activity-beach-bonfire-interest free loans ?

Looking for options?

Sometimes unexpected things throw a spanner in the works and you need to borrow money quickly to help get back on your feet, however, you may be struggling to make ends meet. This is where no interest loans or low-interest loans can help. Here are a few options for individuals and families on low incomes.

No interest Loan Scheme (NILS)

NILS provide fair and affordable credit with no interest. They often offer up to $2,000 repaid over 12 to 18 months to pay for essentials such as household items, medical, education, or car repairs. To receive this payment there are some eligibility requirements you will need to meet with the lender you go with.

Low Interest Loan Scheme (LILS)

LILS is a low-interest loan for individuals on lower incomes who may not be able to borrow from a bank. With these loans, you can often apply for between $500 and $3,000 with a low interest rate which is fixed. These loans allow you to pay them back over a longer period, up to three years. You will need to meet the eligibility criteria to be accepted for this.

You may be eligible to get part of your Centrelink support payment early by applying through the Centrelink website. If your request is accepted you will pay this back out of your regular payments. You are only able to apply for this advance once within 12 months and must not already be paying one-off. To be able to apply for this advance, you must be receiving at least one type of Centrelink payment such as Age Pension, Carer Payment, Disability Support Pension, Farm Household Allowance, Jobseeker Payment, Parenting Payment, Widow Allowance or Youth Allowance.

Nifty Loans Australia

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 Personal 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.

Why Trust Us?

At Nifty, we believe in honesty and transparency. That means we will never try to mislead you with hidden fees and charges. Put simply, we believe in being upfront.

Your loan agreement will clearly state any fees and charges you could incur over your loan period. We encourage you to ask questions. If it doesn’t make sense, just shoot us a message. We will do our best to get back to you as soon as possible.

How Do We Look At Credit?

Although we can not guarantee approval for every single applicant, if you’ve been googling ‘interest-free short term loans’ we can guarantee you a fair go. Our trusted team of lenders will do their best to match you with a loan product that suits your individual circumstance. That means, at Nifty, we look deeper than just your credit score.

We think you are more than just a number. We understand how stressful money troubles can be. That’s why we will always do our best to lend a hand when you need it the most.

100% Online Lender

The good news is we are 100% online. That means you can apply for a loan wherever you are and whenever you like. You could even apply using your smartphone. Our website is super user-friendly. The application process could only take you a few minutes – super easy and very simple.

What Will We Look At?

If you apply with Nifty you can be guaranteed that it won’t just be your credit score we focus on. Our team take a look at the bigger picture. That means we will have a look at your employment status and spending habits as well as major deposits into your account on a regular basis. But, no need to worry – our team of experienced lenders will never disclose any of your private information.

Responsible Lending

At Nifty, we are proud to be a responsible lender. What does that mean? Well, for starters we will never lend you any cash we don’t think you are capable of repaying. That is why we take a deeper look at your finances. We want to match you with the best loan product possible.

You can always trust in the fact that Nifty is different from traditional lenders. That means we will give you a fair go regardless of the circumstances. We won’t guarantee approval but we will guarantee you the consideration you deserve when it comes to personal loans.

So, if you’ve been googling ‘interest-free personal loans’, let Nifty show you the reasonable rate we could provide on a personal loan.

Searching for Interest-Free Loans For Bad Credit?

Have you been googling ‘interest-free loans for bad credit’, or maybe you’ve been searching for ‘interest-free student loans Australia’? Well, while we do not offer interest-free loans, Nifty does provide loans to applicants with poor credit scores.

Regardless of your history, our lending team will do their best to match you with a suitable loan product. If you’re a student with poor credit history you could be eligible for a loan with Nifty. We encourage you to apply. It doesn’t cost anything and we will do our best to get back to you with a decision within 60-minutes.

There’s no need for bad credit to hold you back anymore. If you’ve been looking for interest-free loan bad credit or interest-free student loan Australia today, Nifty could provide you with a fair rate on a personal loan.

Searching for Interest-Free Loans For Pensioners?

If you’re a pensioner in need of quick cash Nifty could be the lender for you. We don’t supply interest-free loans for pensioners, however, we could provide pensioners with a reasonable and competitive rate on a personal loan.

Searching for Government Benefits & Interest-Free Loans?

If you are receiving Centrelink, you may be eligible for a Centrelink interest-free advance payment. This is done through The Department of Human Services. A Centrelink advance allows you to get part of your Centrelink benefit early, which you then repay, interest-free, out of your future benefits.

If you do not qualify for a Centrelink advance payment, you could still apply with Nifty for a personal loan. Nifty regards regular Centrelink payments as a form of income, therefore, you could still be approved for your loan.

What Can I Use My Short Term Loan For?

At Nifty, we don’t provide interest-free loans. However, we could provide you with a fair and competitive rate on a personal loan. There are many different expenses that a personal loan could cover, including everything from a weekend trip to home improvements! If you’re unsure whether you could be eligible shoot us a message.

Looking for an Interest-Free Short Term Loans For Vet Bills?

Bet you weren’t expecting that. Yes, we could provide cash if your pet needs a sudden trip to the vet. As most of us know, pet expenses are hardly ever a cheap experience. Often there is no way of controlling when they could pop up. When you have to rush your puppy to the vet because he/she has consumed half a block of Cadbury Dairy Milk, reach for your smartphone and apply for a short term loan with Nifty.

We don’t provide interest-free loans, however, we guarantee you will get a fair rate on a personal loan. If you apply during normal business hours, we could even give you an answer within 60 minutes of your application and the cash could be in your account by the end of the day.

Looking for an Interest-Free Loans For Engagement Rings?

If you’re ready to pop the question don’t let finance stand in your way. Engagement rings can be very pricey, but Nifty could have the cash you need. Why compromise on what they really want? Make the moment special. A short term loan with Nifty could be the answer.

We can’t provide interest-free loans, however, we can guarantee you a fair and reasonable rate on a personal loan. You can apply right now and we will get an answer to you as soon as possible – it could even be within 60-minutes (during business hours). Need the cash fast? No worries. If you apply during regular business hours we may be able to transfer the cash on the same day. Access to funds, however, is dependent on inter-bank transfer times.

Looking for an Interest-Free Short Term Loans For Education Costs?

Maybe you’re heading back to Uni, or maybe you need some cash for expensive school uniforms? Whatever the education expense, Nifty could have the cash you need right now!

We do short term loans for education costs. A loan for education costs could be the difference between struggling with finance and having the freedom you deserve. The last thing you need to worry about when trying to study is cash.

At Nifty, we have flexible repayment options. Although we can not provide interest-free loans, we can assure you a fair rate on a personal loan. That means our lenders will do the best they can to find a loan product that will suit your situation.

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Here's a Nifty question!

Before applying for a loan, have you considered all your options?

What Type Of Personal Loans Can I Apply For?

At Nifty, we can’t offer you an interest-free loan – however, we can offer you a reasonable and fair rate on a personal loan. We offer three different types of loans based on how much you can borrow. These are small, medium and large:

Small Short Term Loans

At Nifty, our short term loans are between the value of $500 and $2,000. Small loans are repaid over a period of 6-12 months. Additionally, small loans at Nifty are unsecured. That means you don’t need to attach equity to your loan application. This is especially handy if you don’t own a car, motorbike, caravan or boat.

Medium Short Term Loans

Medium loans at Nifty are between $2,001 and $4,600. These loans are repaid over a period of 9 to 24-months. Security may, in some cases, be required for a medium personal loan.

Large Short Term Loans

Large loans with Nifty are to the value of $10,000. The repayment period on a large loan is also 9 to 24-months. Equity may be required to be attached as security.

You can always contact our team if you have any questions regarding your loan application.

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.

Apply Now!

With Nifty, the application process couldn’t be simpler. We like to cut straight to the chase. Depending on when you apply, you could have an outcome within the hour.

Step 1: What do you need?

Scroll up and use the loan calculator to find an amount and repayment period that suits you. You will then be able to see what the weekly, fortnightly and monthly repayments could be. Once you are happy, hit ‘apply now’ to start the application form.

Step 2: Application

When you’ve decided to ‘apply now’ you will be directed to our 100% online application form. You could complete this within minutes, as we only ask you to provide the basics.

Step 3: Assessment

Sit back and relax, our team of lending experts will assess your application form. If you apply during normal business hours, you should hear from us soon.

Step 4: Approval

If you are approved for a loan product we will contact you immediately. We’ll send your agreement straight through for you to read and sign. It is important that you read the agreement carefully so you are aware of any fees and charges you could incur for failed or late payment.

We encourage all applicants to contact us if they have any questions regarding their agreement. Once you have signed and sent the contract back to us we will get the funds straight into your account. This could even be on the same day – this will, however, depend on inter-bank transfer times.

Nifty Little Loans

We’ve helped people from all four corners of Australia get their hands on the fast finance they’re looking for. While we can’t offer interest-free loans, we can still provide great loan products with competitive rates and great service. Below are some popular search terms that have lead people to Nifty.

Loan SearchAmountApproved
Instant Cash OnlineAUD ($)700
Quick Cash Loans OnlineAUD ($)1,200
Fast LoansAUD ($)2,500

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

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 loan, cosmetic surgery loan, IVF 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.

At Nifty, we love helping our community. Read about our Murdoch University scholarship program here!

Apply Now

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.