Personal Loan Comparison | $500 - $5,000 | Get Started Today

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up to $5,000


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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

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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.

Competitive Personal Loan Comparison Rates. Find Out About this and Nifty Personal Loans Today

If you have unexpected expenses, apply with Nifty for loans ranging from $500 to $5,000. We’ll have an outcome for you as soon as possible. You could even get a fast money loan today! But before you apply with Nifty, you should always have a look at personal loan comparison rates.

Competitive Personal Loan Comparison Rates

What Is A Personal Loan Comparison Rate?

A personal loan comparison rate is a figure that helps people compare the overall costs of different personal loans. A comparison rate reduces the interest rate and most of the fees and charges down to a single percentage figure. This allows borrowers to compare personal loans from different lenders.

So, if you’re in the market for a loan, pay attention to the lender’s personal loan comparison rate. It’s a quick, easy way to get an idea of which loans may be cheaper.

What Is A Personal Loan Interest Rates Comparison?

An interest rate is an amount charged by the lender to a borrower. Additionally, interest rates are usually expressed as a percentage of the principal amount.

A personal loan interest rate is simply the interest rate on a personal loan. In other words, this is the amount extra you will pay on top of the principal of your loan. When shopping for loans, always keep an eye on the personal loan interest rates comparison rate.

At Nifty, we’re confident we have some fairly competitive interest rates on our personal loans in the small amount loan space. Interested? Well, why don’t you check out our personal loan comparison rates.

Unsecured Personal Loan Comparison

An unsecured loan is generally referring to a small personal loan (often under $2,000), that does not require an asset to be attached as security. Nifty’s unsecured personal loans can be repaid over a period of up to 9-months.

In some situations, an unsecured personal loan may be ideal. So, if an unexpected expense has come out of the blue, and you have a temporary cash shortfall, consider a Nifty unsecured loan. If you apply during normal business hours, you could have an outcome within 60-minutes.

If you are shopping around for small loans, be sure to pay attention to the unsecured personal loan comparison rate.

Secured Personal Loan Comparison

A secured personal loan differs from an unsecured loan in the fact that an asset is required to be attached as security. Securing a loan with an asset greatly reduces the potential risk for the lender. Therefore, you can often apply for a larger personal loan if you have security to attach.

Nifty can accept your car, motorbike, caravan or boat as security. However, borrowers must be the registered owner of the vehicle to attach it as security.

Shopping around for secured personal loans? Why not check out Nifty’s secured personal loan comparison rate? You may be pleasantly surprised.

What If I Default On My Secured Personal Loan?

If a borrower continually misses repayments on their secured personal loan, despite the lender’s efforts, the lender may need to consider repossession. When a lender orders a vehicle to be repossessed, they are able to recoup some of their losses.

At Nifty, repossession is only an option if every other alternative has been exhausted. In short, Nifty would much rather come to a resolution than go down the path of repossession.

So, if you do feel like you may be unable to meet your repayments, please get in contact with us. If you give us at least a business day before your next repayment, we should be able to reach an alternate payment plan.

Eligibility Criteria

Do you like the sound of Nifty’s personal loan comparison rate? Are you interested in apply? Before you can apply, we just need to make sure you meet all of our eligibility criteria. So, before applying with Nifty, just make sure that you:

  • Are at least 18-years old;
  • Are an Australian citizen or permanent resident;
  • Have a valid contact number and email address;
  • Possess a personal bank account with internet banking set up.

If you meet all of that, you’re one step closer to applying for a Nifty personal loan.

What Do I Need With Me When I Apply?

When you apply for a Nifty loan, we’ll ask you a few questions. We do this to get a better understanding of you as a borrower, and what type of loan will suit you. So, if you want to fly through our application, there are a few bits of information you should keep handy:

  • Bank account details;
  • Personal contact information (mobile number, active email address etc);
  • Your reason for applying;
  • You must be able to prove you are an Australia citizen or permanent resident;
  • Employment information.

If you have all of these details close by, you’ll complete our application in no time. Alternatively, if you have any further questions about what you’ll need to apply, send us an email at

How To Apply For A Nifty Personal Loan

If you’re happy with Nifty’s personal loan comparison rate, you can apply for a personal loan in minutes. Here’s how:

Step One: Apply

To get started, scroll up to our loan calculator. Next, select the amount you’re thinking of borrowing, as well as your ideal repayment terms. Finally, click the ‘apply now’ button. You’ll now be taken to our application form.

Step Two: Assessment

Once you have completed the application, our assessment team will get to work reviewing your information. Keep in mind, that if you apply during normal business hours, we should get back to you within an hour of applying. Alternatively, if you apply outside of these hours, we’ll get to your application as soon as we’re back in the office.

Step 3: Cash!

Once your loan is approved, and you accept your contract, most customers will have their funds instantly (when you have an NPP enabled bank account)! If we can’t send your funds via the NPP, it will be processed as a normal bank transfer. In these cases, if you sign your loan contract during normal business hours, we’ll aim to transfer the funds in the next round of banking. Generally, you should be able to access your loan within 24-hours of signing your contract. This does, however, depend on the time of approval, and inter-bank transfer times.

Nifty’s Benefits

If you’re in the market for a loan, looking at a lender’s personal loan comparison rate, you’ll notice one thing. Put simply, every lender thinks they’re the best, and that they’ve got the best product in the market.

Well, at Nifty we are no different. Except, we don’t have to pretend. We know that our loan products are awesome, and here’s why:

Same Day Response

We’ve made applying for a Nifty loan as simple and as efficient as possible. If you lodge an application during normal business hours, we’ll try to get back to you with an outcome within 60-minutes. On the other hand, if you apply outside of these hours, we’ll get on to it as soon as we’re back in the office.

No Fees For Early Repayments

We understand why some people like to pay their loans back early. After all, if you can save a few dollars, why wouldn’t you? Therefore Nifty will never charge you a cent for paying your loan off early.

Got Your Personal Expenses Covered

Nobody understands your situation better than yourself. That’s why you can use a Nifty personal loan on a huge variety of personal expenses. So, if you need a bit of extra cash for car repairs, new furniture, holiday spending money or medical expenses, Nifty has got you covered.

Upfront & Transparent

We pride ourselves on being upfront, and transparent about all our fees and charges. Therefore all the payable fees and charges on your loan will be included in your loan contract. Additionally, if you have any questions about your contract, you can always email us for more information at

Easy Repayments

Nifty makes paying your loan back easy! First, we’ll set up a direct debit from your account on a day you nominate, either weekly, fortnightly or monthly. Next, all you need to worry about is having enough money in your account when your repayments are due. Once you’ve repaid the loan, the direct debit will automatically stop. Pretty easy, right?

Personal Loan Comparison

Nifty helps people all over Australia get the finance they’re looking for. Below are some examples of search terms where we’ve managed to provide loans to everyday Aussies, just like you.

Search Term Amount Approved
Fast loans online AUD ($)700
Instant cash online AUD ($)2,200
Cash loans for bad credit AUD ($)4,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Additional Fees And Charges

Additional fees and charges may be payable on your loan. These will all be outlined in your loan contract, however, if you have any questions regarding the terms and conditions of your loan, don’t hesitate to get in contact. Our team of loan experts is happy to answer any and all questions you may have.

Get In Contact

Do you have any questions about anything you’ve just read? If so, head on over to our FAQ section. Otherwise, send us an email via the form on our contact us page. Or, alternatively, give Nifty a call on 1300 471 328.

Want to know more? Read more about how you could get a home improvement loan, quick money loan, IVF loan, truck loan, or even a cosmetic surgery loan!


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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

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 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.