*During normal business hours.
Nifty Loans offers online loans from $300 to $10,000 for Australians searching for fast personal loans.
Online loans are a hassle-free and quick way to access finance. Nifty Loans offers quick online loans for personal expenses; we support instant transfers on approval.
The internet has made borrowing money easier than ever before. The days when credit could only be accessed by going into a branch seems like a thing of the past with online finance options so readily available. If you have been searching for loans online, Nifty Loans offers quick and easy online loans from $300 to $10,000 for eligible applicants.
Nifty Loans is a 100% online lender. This means that all aspects of the loan process are completed online, from application to approval. All you need to apply for an online loan is an internet connection, smartphone or computer and a few minutes to spare. Whether you have had unexpected bills, an urgent medical expense or need to replace your fridge, an online loan may be the financial assistance you need.
Fast online loans are personal loans that are processed completely online. Online loans take away the stress of physical paperwork and long queues; you can take a few minutes to apply and you could have your loan outcome within 60-minutes*. We offer three types of online personal loans: small loans, medium loans and large loans.
|Loan Type||Security||Loan Amount||Repayments|
|Small loan||Unsecured||$300 to $2,000||6 to 9 months|
|Medium loan||Secured||$2,100 to $4,600||9 to 24 months|
|Large loan||Secured||$5,000 to $10,000||9 to 24 months|
Nifty Loans offers online loans for any personal expenses you cannot reasonably manage. If you have multiple bills that have fallen due at once and you cannot reasonably repay them, an online loan can be used to cover your costs to be repaid over time. Not sure what you can use your quick cash loan for? These are some of the most common reasons we receive loan applications:
Nifty Loans is an online lender. This means that we don’t just deliver extremely fast online loans, we are also more lenient than traditional lenders in terms of our credit requirements. We provide loans for bad credit to eligible borrowers that meet our lending requirements. We conduct financial assessments on all of our loan applicants, regardless of their credit score, to ensure that they can manage their loan repayments. If we find that an applicant can reasonably repay their loan, even if they have bad credit, we may be able to provide them with one of our fast loans.
We are responsible lenders. We adhere to the responsible lending guidelines set by ASIC; this means that we must still conduct credit checks on every application we receive. We cannot provide ‘online loans no credit check’. However, a bad credit score will not be the only factor considered when approving your application.
The application process for an online loan is quick and easy. The online application form can be completed in just a few minutes and we will endeavour to process your loan within 60-minutes*. Once approved, we will transfer your funds straight to your bank account; you could have your cash within 60-seconds of approval**. Apply online for a short term loan by following these steps:
Step 1: Apply online
Step 2: Our team will process your loan as fast as possible
Step 3: We will let you know the outcome of your loan application
Step 4: If approved, review and sign your contract
Step 5: Receive your money
All of our loan applicants must meet our eligibility criteria before we can approve their loan. To ensure that we can process your application, please check that you meet these requirements:
We also require copies of the following supporting documents. So that we can process your loan as fast as we can, please ensure that you provide your supporting documents when you submit your online loan application.
Unfortunately, we cannot deliver you with an instant loan online as we must conduct an individual assessment of each application we receive. This is to ensure that our loan applicants can reasonably manage their requested loan amount. We will process your loan as fast as we possibly can and support instant transfers on approval.
The fees and charges on your loan will depend on the amount borrowed and your current credit score. You will likely be offered a higher interest rate if you have bad credit. Additionally, your loan may include a monthly fee; this will be clearly outlined in your loan contract. For more information about our fees and charges, please refer to our costs page.
We consider most forms of Centrelink income as regular income. If we find that you can manage your loan and meet our eligibility requirements, we may be able to provide you with a same day loan if you receive Centrelink benefits.
We use copies of your bank statements as a part of our financial assessment process. We will analyse your income and expenses to ensure you can currently manage a loan.
*If you apply within our AEST business hours
**If you have an NPP-enabled 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.