*During normal business hours.
Nifty Loans offers mini loans from $300 to $10,000 to Australians in need of credit.
Mini loans can be used to cover personal expenses up to $10,000. We are one of Australia’s fastest-growing online lenders that specialises in delivering quick personal loans.
A mini loan online can be used to cover any personal expenses you cannot reasonably manage without financial aid. Nifty Loans offers mini loans from $300 to $10,000 for eligible Australians in need of a short term loan. Whether you need urgent medical attention or your car has broken down and needs to be fixed, a mini loan can be used to alleviate some of the stress involved with sourcing the money to cover your costs.
Nifty Loans is an online lender which allows us to specialise in delivering fast and efficient loan outcomes. It also means that you can apply for a mini cash loan online form anywhere in Australia; all you need is an internet connection and mobile phone and you can apply for a small loan online.
A mini cash loan is a personal loan that can be used to cover small expenses. We offer three types of personal loans: small cash loans, medium loans and large loans.
|Loan Type||Security||Loan Amount||Loan Terms|
|Small loan||Unsecured||$300 to $2,000||12 months|
|Medium loan||Secured||$2,100 to $4,600||13 to 24 months|
|Large loan||Secured||$5,000 to $10,000||13 to 24 months|
You can find a more detailed breakdown of our loans on our costs page. We offer both secured and unsecured personal loans. Our medium and large loans are secured loans which means that an asset must be attached to the loan as security.
We receive thousands of loan applications from everyday Australians in need of a short term financial solution. These are some of the most common reasons we receive loan applications for a personal loan:
Applying for a mini loan is simple and easy with our online application form. If you are searching for an instant mini loan, Nifty Loans processes applications at lightning speed. We often deliver outcomes within just 60-minutes* and deliver instant transfers on approval. That means you could have your cash ready to use within just 60-seconds**. If you are ready to apply online for a mini cash loan, follow these straightforward steps:
Step 1: Complete your online application form
Step 2: Our team will process your mini loan as fast as possible
Step 3: We will contact you to let you know the outcome of your loan
Step 4: If approved, we will send you a copy of your electronic contract to review and sign
Step 5: Receive your money
We have standard eligibility criteria all of our applicants must meet before we can process their small personal loan online. Please ensure you meet the following eligibility requirements before you apply:
While we do provide no paperwork loans, we must still receive electronic copies of your supporting documents in order to process your application. Please ensure that you provide the following documents when you submit your application to receive the fastest loan outcome.
If you have been searching for “mini cash loans no credit check”, you may have bad credit. Nifty Loans is an online lender which allows us to be more lenient than traditional lenders with our credit lending requirements. We provide bad credit personal loans to eligible applicants in need of credit. We conduct a thorough financial analysis to ensure that each of our applicants can manage their loan repayments. If we find that you can currently manage a loan even if you have bad credit, we may be able to provide you with an online loan. We have helped thousands of everyday Aussies with bad credit histories access quick finance.
We are required to conduct credit checks on every applicant in line with the responsible lending guidelines set by ASIC.
Unfortunately, we cannot guarantee an instant mini loan online as every application we receive is subject to an individual assessment. However, we endeavour to process our loans within 60-minutes* so if you need cash now, we can provide you with a quick loan.
You can apply to borrow money from $300 to $10,000 and our team will conduct an assessment of your situation to ensure you can manage your loan. Your repayments will depend upon how much you borrow.
Your personal loan contract will include all fees and charges that may apply to your loan. Interest rates offered to you will be highly influenced by your current credit score. You may also be charged other fees like an establishment fee or monthly fee; this will clearly be outlined to you.
We do not charge early payout fees on our same day loans. This means that you can repay your loan at any time without incurring early settlement fees, which can range up to $800. Paying off your loan early can save you money on interest and monthly fees.
*If you apply within our standard AEST business hours
**If you have an NPP-enabled bank accountApply Now
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.Read More
$5,000 - $10,000
$2,001 - $4,600
$300 - $2,000
* 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.