No Paperwork Loans up to $10,000 | Borrow Money Online

Tired of paper application forms?

Have you been thinking about applying for a personal loan but you really can’t be bothered with all the hassle and paperwork? Does the idea of having to go and find a printer, trying to get your bank statements printed put you off applying for a cash loan? We understand! It would deter us, too. There’s nothing more frustrating than needing cash fast, but having to worry about finding all the relevant paperwork. That’s why Nifty Loans specialises in fast loans no paperwork loans! We’re on a mission to make a paper-free application process the norm! Fast loans, no paperwork – no problem!

Nifty fast loans no paperwork are loans that are 100% online. This means that there is no physical paperwork to hand to a branch or manager like a traditional lending institution. Not only does this mean that you don’t have to spend hours printing paperwork, but you can also rejoice in the fact that you can also make your application from the comfort of your own home! That’s right, no more standing in line at a branch, or trying to get there after work but before the branch closes (stressful, isn’t it). Think of Nifty Loans as your new happy place.

How do I apply?

The whole point of our cash loans is to make it as easy and simple for you as we can. All you need to do is scroll to the top of this page and hit the APPLY button and fill out our no-fuss application form! We’ll get some supporting (online) documentation from you during your application and then you’re done with the application!

And did we mention that you can make your application from almost any device? Yes, you read correctly. Whether you’re on the run and don’t have time to swing home to get to your computer, or you just really don’t want to leave your cuddly nook on your couch, you can apply from any device, from anywhere, as long as you have internet access. Are you on a tight schedule but need loan fast? No worries! Just make your application from your smartphone or tablet and you’re all set! See, we told you it would be easy.

It couldn’t be easier to apply for fast loans seeing no physical paperwork is required. Now, we must warn you that we do credit checks, but we work a little differently to other lenders. Although we’ll take a look at your credit history, good credit or bad credit loan applications are still put forward to our assessing team. They look at your current financial situation to make sure that you’re able to reasonably afford the loan and that you’ll be able to pay it back without hassles.

What’s the eligibility criteria for one of your no paperwork loans?

To be eligible to apply, we require the following:

  • You need to be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have a regular source of income being deposited into a personal bank account
  • Have an active email address and mobile number

You can scroll to the bottom of this page to verify your eligibility.

How are fast loans processed at Nifty?

We make it super easy and fast for you as our application and loan processing all happens online! Once you have completed and submitted your fast loans no paperwork loans application online, it will come straight through to the assessment team.

Once the assessment team has assessed your application (usually within 60 minutes*) you will receive an outcome for your application. Don’t panic if it takes a little longer than 60 minutes* as we may just require some additional information or documentation from you.

How will I know if my application has been approved?

If your fast loans no paperwork loan has been approved, Nifty Loans will email you a formal contract for you to electronically sign. No need to worry about printing, signing and sending your contract back to us as all of our contracts are signed digitally! Once you have digitally signed your contract it automatically comes back to us. How easy is that? Once we receive the signed copy back, your funds will be released to your bank account shortly after. Most of our customers have funds in their account instantly after signing!

What kinds of fees does Nifty Loans charge?

Here at Nifty Loans, we pride ourselves on the fact that our loan products are not only super responsible but that we don’t have any hidden fees or costs. Any costs associated with your loan will be clearly laid out on your contact.  We believe in being 100% transparent when it comes to all costs and fees. Put simply, what you see is what you get. So what are the common fees involved?

To get an idea of the costs for these types of loans, you can find some examples at the bottom of this page, or on our dedicated costs page. Depending on what type of loan you apply for, other fees and charges may be payable. You may be charged additional fees if you miss a repayment or default on your contract. If you have any questions about our fees, contact our friendly team.

Just remember, if you’re interested in applying for one of our larger short-term loans no paperwork loans of $5,000 – $10,000, you will need to provide collateral that we can use as security, as they are secured loans.

Should you have any more questions about how loans in Australia function, you might find your answer at the Australian Government website – Moneysmart.

Frequently asked questions

Can I get cash loans no paperwork loan on Centrelink?

Yes, you sure can! At Nifty, we consider most Centrelink benefits as regular income. So, as long as you meet the other application requirements, you will be welcome to apply if you’re receiving Centrelink!

Do you do credit checks for your no paperwork loans?

Yes, we do conduct credit checks. As responsible lenders who have your best interests at heart, we believe in looking at all the factors associated with your application. While credit checks are important, we also believe that everyone deserves a fair go and that credit checks aren’t the be-all and end-all. After all, sometimes things happen outside of our control that can negatively affect your credit report. That’s why we look at other criteria as well. This includes your current relationship with money and how you’re handling your current financial commitments.

So even if you do have bad credit in your credit history, we take into account how you have changed your banking habits for the better. How do we do this, I hear you ask? By looking at the most recent 90 days of banking history! If we can see that you’re back on your feet and handling your finances well, we may be able to help you out, despite your credit history.

Here at Nifty, you can be sure we have your best interests at heart. We are 100% compliant with legislation and are here to help you, not put you in financial distress.

How do my repayments work?

Repaying your no paperwork loan couldn’t be easier! We generally set up your repayments to be automatically direct debited in line with your income day. We do everything for you so you don’t have to worry about remembering any upcoming repayments. Just remember to leave some funds in your account for the direct debit after you are paid. Once your loan is repaid in full the direct debits will stop automatically, it’s that easy!

Will I be charged any fees if I pay out my loan early?

Not at all! Unlike some traditional lenders, we do not charge any additional fees if you pay off your loan early. And remember, the earlier you pay off your loan, the more you can save on monthly fees and interest! It’s a win-win situation.

So if you decide to pay extra towards your loan or pay your loan off early, that’s great! We’re here to help you, not hit you with a bunch of unnecessary fees that will cause your loan to drag on!

We also put a huge emphasis on awesome customer service, happy customers and fast loans! So if you have any questions or queries about a no paperwork loan or our application process please don’t hesitate to call our friendly customer service team here at Nifty Loans!

What if I can’t afford to make some of my repayments?

Nifty Loans is here to help you from the beginning of our journey together, all the way through to the end. We don’t run if things get a little tough.

We understand that sometimes things happen that can affect your ability to make your repayments. If this happens to you, the best thing to do is to get in touch with us as soon as possible. The more warning we have that you need to amend your repayments, the more we will be able to help you out. With at least 24 hours warning we may be able to adjust your direct debit repayments for you, to help you get back on your feet.

Our customer service team are here to help out any way they can and they’re incredibly understanding if this situation does happen to arise. After all, we’re human too and we know how these unexpected things can happen. So whether you’ve lost your job, had your hours cut or an unexpected expense or situation has arisen that will affect your ability to successfully make your repayments, give us a call. We’ll help out any way that we can. Our goal is to help you out by providing you with a loan, not put you in financial distress.

How do I know if this could be the right product for me?
Who is this product for? Those who are looking for a fast processing short term loan with no paperwork.
To be eligible to apply for a no paperwork loan you must be? A citizen or permanent Australian resident. Have a regular source of income. Over 18 Years of age. Have access to an active mobile phone and email address.
What repayment terms do you offer? Up to 24 months. Repayment terms will vary depending on each applicant’s financial situation.
Loan types available Fixed Personal Loans
Lender Nifty Personal Loans

Nifty Loans is a lender that you can trust!

At Nifty Loans, responsible lending is incredibly important to us. Not only are we compliant with all relevant legislation, but we also have our own set of strict lending rules. This criterion ensures that our loan products are right for you. If we don’t believe that one of our loans products is right for you or your current financial situation, we won’t approve you. It’s as simple as that. We’re here to help you, not make your financial situation worse. And if we are able to approve you for a loan, we won’t lend you more money than we think you can afford to repay. You can be confident that we have your best interests at heart.

We pride ourselves on being leaders in customer service. We have a dedicated team of customer service stars to help you out with any questions or queries you may have.

So, what are you waiting for?

If a no paperwork loan sounds like what you’re looking for, scroll to the top of this page and start your journey to success with Nifty Loans.

Wait, before you go – remember that if you’re looking for easy loans, you’re in the right place. We will do a credit check but will be able to look at so much more than just your past. Off you go, then. Apply now!

Not Sure Where To Get A Loan? Nifty Could Help You Access the Personal Finance You Need.

Wondering where you can get no credit check loans guaranteed Australia? Keep reading!

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.