Sometimes you need a loan when you least expect it. Life gets busy, and expenses pile up. Nifty understands no matter how organised you are or how much you budget – you can’t plan for everything and you may come up short. Don’t worry, there is no need to stress about money. You can submit a quick application with Nifty Loans for any unexpected expense.
So, if you need cash now, complete an application in minutes and we’ll do our best to deliver an outcome within the hour*.
Sometimes all you need is a small personal loan ASAP for a pesky car expense that’s dropped at your feet, or you may need a larger personal loan to cover a BIG whoops. Either way, Nifty is on hand to help.
At Nifty we provide two types of loans; medium personal loans are for amounts between $2,500 and $4,600, and can be secured or unsecured. Finally, large loans are between $5,000 – $10,000 and must be secured with collateral. With medium and large loans, you can choose to repay them over 9 to 24 months.
Here is a breakdown of the types of personal loans we provide:
| Loan type | Loan amount | Loan term |
|---|---|---|
| Unsecured or Secured | $2,500 to $4,600 | 9 to 24 months |
| Secured | $5,000 to $10,000 | 9 to 24 months |
So if you’re looking for a loan, you know that there are a couple of options to suit your financial situation.
When you need a loan fast, you can submit an application in minutes. Before you apply though, check below to see if you meet our these four basic requirements:
When you apply with Nifty, you will need to provide us with a few pieces of information to help us process your application:
With this information handy when you apply, you’ll breeze through your application. So, get started today by scrolling up and using our smart loan calculator.
There are several reasons people choose Nifty as their trusted online lender. Here are a few reasons our clients love Nifty Loans:
Nifty Loans is 100% online – When you’re looking for a loan, you can request anywhere anytime by simply completing the online application. Within business hours, our team can have your loan approved within 60 minutes* and have your money in your bank within 60 seconds**.
Our quality customer service team has won the Word of Mouth service award in 2016, 2017 and 2019! There are always on hand to help with any enquiry. So if you can’t get a link to work, don’t know how to apply from your smart device, need help to attach a document, or just want to ask a question – we are here to help.
Our loan team is good at what they do – so when your loan repayments are calculated, we will work with you to find out your pay cycle – to minimise the risk of failed transactions and additional fees on your loan.
Furthermore, all of your repayments will be set up as a direct debit – so you can focus back on living your life. You just need to nominate the preferred date that you would like your payments to come out of your account. This can either be on a weekly, fortnightly or monthly basis, but we generally set up your payments to come out of your account to match your pay cycle so that’s one less thing to worry about. The only thing you need to do is keep track of your repayments so you know how the loan is progressing.
Another great benefit of getting a loan from Nifty is that if you want to pay your loan off early, you can! Plus, we won’t charge you early exit fees. Then, if you’re looking to apply for a loan at another time, you can always apply again.
Before you apply for a loan, check that you have met the eligibility requirements. Otherwise, you may have trouble completing our application.
If you need a loan to pay for one thing in particular, then getting a loan is fine, however, if you don’t have any purpose in mind and are just borrowing money to pay for your day-to-day expenses then maybe getting a loan is not the best decision to make. Perhaps speak to your phone or utility providers about reducing your repayments.
As a responsible lender, you can trust that Nifty will only ever give you a loan that is suited to your situation. As responsible lenders, we will never approve a loan that you can’t afford to pay back, nor will we give you a loan if we deem a Nifty loan to be an unsuitable solution to your problem.
For a rough idea of what you could expect to pay on your Nifty loan, you can find examples of our basic costs for the loans listed on our costs page.
Depending on the type of loan you apply for, other fees and charges may be payable. You may be charged additional fees if you miss a payment or default on your contract. If you want to learn more about the allowable fees and charges for small loans visit the Moneysmart website. Additionally, get in touch with our customer service team for any and all questions you may have.
You apply with Nifty! We guarantee every applicant a fair go on the loan they need. If you’re googling ‘bad credit loans with no guarantor needed’ or ‘need a loan now please help’, then you may be worried about your credit score. Fortunately, you can stop the search because you’ve found a lender that can help.
If you need a loan but keep getting declined, we can say ‘yes’ to bad credit. We don’t believe a person’s past history with credit should always get in the way of their current relationship with money. Instead, we look at an applicant’s recent financial history via their bank statements as well. We find that this gives us a more accurate representation of your current relationship to finance.
If you apply for a personal loan, we will do a credit check. However, here’s why that’s not the end of the world. We also look at your current relationship with money. You see, we look at more than just your credit score and loan history. We look at your expenses and current relationship with money, too!
As part of our commitment to responsible lending, we cannot approve an applicant without a regular income. We do, however, guarantee every applicant a fair go, so if you receive Centrelink benefits, then we may be able to help. So if you’re googling ‘unemployed need money now’, then you’re welcome to apply with Nifty Loans.
To truly see why Nifty Loans is Australia’s fastest-growing short term money lender – Apply online now! You too could have up to $10,000 in your bank today!
Want to know more about getting a personal loan comparison? Click here.
