Online Loans | Apply for a Quick Loan up to $10,000

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Get your cash within 60 seconds of approval*

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Fast Personal Loan

up to $5,000


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.

Searching For Easy And Fast Loans? Look No Further Than Online Loans

The internet. Oh, the wonders it has bestowed upon us. With the likes of Facebook, memes, cat videos, unbelievably adorable doggos. The list could go on. Apart from gifting us a platform for procrastination, the internet has also paved the way for online loans. And we, Nifty Loans, offer cash loans online for all Australians who are searching for easy finance. Whether you’re searching for IVF loans or vet bill finance, you can help!

Introducing Nifty Loans

Sorry, we are getting ahead of ourselves, so let’s start by introducing ourselves. Nifty Loans is a 100% online lender that provides quick online loans up to $5,000. We believe that every Australian searching for online finance should be able to apply. In addition, we are fast, easy and hassle-free. Our application is quick, with fast outcomes and seamless money transfers. There’s isn’t much you cannot love about Nifty Loans.

Why Nifty Loans?

You may be thinking, “there are plenty of lenders, why should I choose Nifty?” Well, we are glad you asked! Furthermore, there is a myriad of reasons to choose Nifty Loans for your quick finance needs. Here are just a few reasons to choose Nifty:

  • Quick applications;
  • Fast outcomes;
  • Speedy cash (you could have your money the day you apply);
  • No hidden costs;
  • Reviewed by 100s of Aussies (don’t trust us? Take a look at Trustpilot, Product Reviews and Word of Mouth);
  • Easy repayments;
  • No early exit fee.

And the list could go on! There are so many little details that make up the vision that is Nifty Loans. What really sets us apart, however, is our dedication to bringing easy finance to all Australians. Our loan experience is possible for anyone, whether you are on the go or at home with the kids; you can apply for quick loans. We want to give everyone a fair go, no matter their financial past. How, you ask? Well, let’s find out.

Are you eligible for online loans?

Firstly, before applying, it’s important to check if you’re eligible. Checking if you’re eligible before applying may save you the hassle of possibly being declined. So, check off these eligibility requirements before applying:

  • Must be over 18 years of age;
  • Have Australian citizenship or permanent residency;
  • Be receiving a regular income into a personal account for the 90-days;
  • Have an active mobile number and email address.

So, just four little requirements and you’re on your way to cash loans online!

How to accelerate your application!

Our speedy online application only takes minutes to complete. However, if you want to accelerate your application and really get ahead, have these ready before applying:

  • Mobile and Email address;
  • Reason for a loan;
  • Bank account details;
  • MyGov details (if applicable).

With these things handy, you’ll fly through your application. You may be wondering why we require a reason for your loan when essentially personal loans are flexible. Well, it’s all apart of our suitable test. We adhere to responsible lending practices. Therefore, we assess every angle of your application. However, we are more lenient than traditional lenders, so why not give Nifty Loans a go? You may be surprised.

How to apply for online loans

Step one: Apply online

It wouldn’t be online loans without our online application! Our application form is 100% paper-free and hassle-free. Put our application to the test by applying today.

Firstly, to begin our quick online loans application, use our loan calculator located at the top of our web pages. Select how much you wish to borrow and for how long. Then, select how often you wish to make your repayments; either weekly, fortnightly or monthly. Once you are happy with your loan terms, you can click the Apply button to take you directly to our application.

Step two: Instant communication

With the first step completed, your work is already done! All you have to do it is get back to what you do best, whilst we assess your online loans application. Then, whilst you’re Crushing your Candies, keep an keep on your emails or texts, because we will notify you if we need any extra info for your application.

Step three: Assessing your application

Now the real work begins. We dive into your application to assess whether our loans are suitable for your current financial situation. We adhere to responsible lending practices, therefore, we don’t approve an applicant that cannot afford to repay their cash online loans. To assess your application we use your bank account details to access a read-only copy of your expenses. You may be wary about handing over your bank details online, however, have no fear! You can trust us to use your information only as directed. Furthermore, we are dedicated to protecting the privacy of all our clients.

Step four: Collect your moolah!

If you hear the good news (that you’re approved!), all you have to do is review and sign the deal, from there, your moolah will be scheduled for transfer. It’s that easy. Access to funds is subject to inter-bank transfer times, however, your funds will likely arrive overnight at the latest (provided the contract was signed within business hours).

Just four little steps and then you’ll be all financed. That’s Nifty! The easy way. We work smart and hard to get you much-needed finance quickly. Are you all inspired? Why not apply now?

No hidden costs

At Nifty we think honesty is a fundamental pillar of any relationship. We don’t want to trick you into a situation to you can’t afford to get out of. That’s why we’ll list all the fees and charges associated with your loan clearly in your loan contract. While each loan may have different costs associated with it, you can find a general idea of what a Nifty loan may cost you at the bottom of this page for the following loan types:

Loan Type Loan Amount Secured Loan?
Small personal loans $300 to $2,000 Unsecured Loans
Medium secured personal loans $2,100 to $4,600 Secured loans
Large secured loans $5,000 Secured loans

Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about the fees and charges associated with your loan, please get in contact with our loan specialist team.

How do I repay my loan?

If you haven’t noticed already, every stage of our process is easy and fast. Our repayments are no exception. Using the latest in safe banking technology, we are able to automate your repayments. As a result, we simply debit your nominated bank account and that’s it! Say goodbye to the days of setting reminders, only to miss them anyway. Our repayments are 100% paperless. No need to dread the mailman, simply remember to keep enough money in the nominated account.

Have bad credit and searching for finance?

Well, good news, you’ve found us. We believe that bad credit shouldn’t hold you back from seeking a financial pick-me-up. Therefore, Nifty Loans adopts a positive credit reporting philosophy, where we look at the positives notes on your credit score. Not only the negative. We know that life doesn’t always go to plan, so that’s why we provide bad credit online loans. To assess our loans, we look at current regular income, not merely past financial mishaps. So, whether you’re looking for relocation loans or something to keep you grounded, apply with Nifty Loans for fast outcomes.

We do perform credit checks, however, don’t let that deter you from applying! We encourage anyone who is seeking finance to check whether they’re eligible and apply.

Receiving Centrelink payments and need a financial pick-me-up?

Then search no more, because we may be able to help! Similar to bad credit online loans, we also provide loans for people receiving Centrelink payments. If you’re receiving Centrelink payments you may have found it harder to be approved for a loan with traditional lenders. Well, not with Nifty! We consider most Centrelink payments as regular income as long as you’ve been receiving them for at least 90 days. Furthermore, we encourage every Australian who is seeking finance to trust in the Nifty difference and apply today!

Customer service that is here for you

At Nifty Loans, we may be 100% online, however, we are dedicated to bringing you top notch customer service at the touch of a button. That’s Nifty!

We want to provide our clients with a hassle-free online experience. Therefore, whenever you need help with your finances, give our loan specialists a call on 1300 471 328 or pop us a message.

Let’s be friends

Of course, our loan specialists require necessary beauty sleep, so if you apply outside of business hours, expect a response on the following business day.

You may be experiencing information overload, but don’t worry if you have unanswered questions about our service, you can head to the FAQs page at any time and see if your answer is waiting for you.

Check out how you could qualify for a loan with Nifty!

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and also keep up to date with the latest personal finance and lifestyle trends via our blog.


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Andy Andy


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:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.