Mini Loans from $300 to $10,000 | Fast Outcomes Online

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

Apply now for:

Fast Personal Loan

up to $5,000

or

Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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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.

Mini Loans

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.

Mini cash loans online to avoid mini headaches

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.

What are mini loans Australia?

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 TypeSecurityLoan AmountLoan Terms
Small loanUnsecured$300 to $2,00012 months
Medium loanSecured$2,100 to $4,60013 to 24 months
Large loanSecured$5,000 to $10,00013 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. 

Most common uses for mini loans

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:

  • Urgent car repairs
  • Car registration costs
  • Medical expenses
  • Dental/orthodontic bills
  • Unexpected bills
  • Travel costs
  • Engagement ring finance

How to apply for a mini finance 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

Eligibility

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:

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • You have had a consistent income into your bank account for the last 90 days
  • You have a mobile phone number and email address
  • You have internet banking set up

Supporting documents

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.

  • Your basic personal information (full name, date of birth, address etc.)
  • 100 points of identification
  • The reason for your loan
  • Your online banking details
  • Your myGov login details (if you currently receive Centrelink benefits)

Bad credit mini loans

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. 

FAQs about mini loans Australia

Do you provide instant mini cash loans?

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.

How much can I borrow?

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.

What are the fees and charges?

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.

Can I pay off my loan earlier than my agreed loan term?

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 account

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Andy Andy

AUTHORITATIVE SOURCE

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:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.