Need A Loan? $2,500 to $10,000 | 100% Online | Apply Now!

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*.

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In need of a loan? How much can I borrow from Nifty?

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.

Top 9 reasons why you might be looking for a loan

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Car repairs
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Unexpected vet bills
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Medical costs
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Surprise travel plans
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Debt consolidation
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Relocation costs
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Home improvement
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Dental costs
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Car registration
How can I apply for an easy loan?

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:

  1. At least 18-years of age;
  2. An Australian citizen or permanent resident;
  3. You will also need a consistent source of income deposited into a personal bank account for 90-days, at least;
  4. An active mobile number and email address.
What information do I need to apply for Nifty Loans?

When you apply with Nifty, you will need to provide us with a few pieces of information to help us process your application:

  • Your internet bank details;
  • My Gov details (if applicable);
  • Your mobile number and email address;
  • If you are borrowing between $5,000 and $10,000, you must also provide details about your security asset. This will include information about the make, model, year of the car and its registration number, if your security is a car.

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.

Things to do before you get a loan

Have you met the eligibility requirements?

Before you apply for a loan, check that you have met the eligibility requirements. Otherwise, you may have trouble completing our application.

Do you have a specific purpose in mind for the loan?

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.

Responsible lending

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.

Frequently asked questions

How much does it cost to borrow Nifty Loans?

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.

How do you get a loan with bad credit?

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.

Do we offer no credit check loans?

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!

Do we offer unemployed loans?

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.

Ready to apply?

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.