Personal Loan Online | $300 - $5,000 | Apply Today!

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Fast Personal Loan

up to $5,000

or

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

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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.

Personal Loans Online With Nifty!

If You’re Looking For A Personal Loan Online, Nifty Could Be The Lender You’ve Been Searching For!

If you’ve been on the hunt for a trusted lender who could provide you with personal loans online, Nifty could be the lender for the job. The Nifty team could provide you with the cash you need right now. We are proud to be 100% online, making life much easier for you when you need cash right now! You could even apply from the comfort of your own living room with a coffee in hand. We understand that not many of us have the time to spend standing in line at the bank. That’s why we have revolutionised the way you could apply for quick personal loans online.

adolescence-bag-cute- Personal Loan Online

Who Are We?

Nifty is a lender with a difference. We are changing the lending game for the better. Our personal loan application process is 100% online and couldn’t be simpler. We have made getting the cash you need as easy as online shopping. So, as well as making the process extremely simple, we believe all Aussies deserve a fair go at getting a personal loan. That’s why we look at more than just your credit score. We dig a little deeper to get a better idea of the whole picture. Yes, we think you are more than just a number. That’s why we will do our best to match you with a suitable loan product.

We love the convenience of Nifty’s 100% online application process. You can apply for a loan wherever you are and whenever you like. You could even submit an application using your smartphone. At Nifty, we think that we offer the best quick personal loans online. So, what are you waiting for, apply today!

Why Trust Nifty?

We understand trustworthy lenders can be hard to come by. So, Nifty is crushing the stereotypes. We believe in honesty and transparency – that means we will be completely upfront with you. No hidden fees and charges and no hassle. All the details of your loan term will be clearly outlined in your loan contract. But, if you’ve still got any questions about the terms of your loan, you can always shoot us a message at info@niftypersonalloans.com.au. Our friendly team of loan experts are ready to answer any and all questions you may have.

What if I have bad credit?

If you apply for a personal loan online with Nifty you can be guaranteed that your credit rating will not be the only thing taken into consideration. Our lending team prefer to focus on the whole picture. That means we take a realistic look at your finances. We focus on how you are planning on paying back the loan, rather than dwelling on the past. Nifty will always take a look at your employment status as well as read-only copies of your bank statements to see how you are currently managing your finances. Our team does not claim to provide approval for every single applicant, however, we can guarantee you will receive the consideration you deserve.

Responsible Lending

At Nifty, we know the importance of responsible lending. Wondering what responsible lending means? Basically, it is our promise to do the right thing by our clients. We will never provide an applicant with a loan that we don’t think you’re capable of repaying. We take your entire financial situation into consideration. Our team will try and match you with the best possible loan contract for your individual financial circumstances.

At Nifty, we pride ourselves on how different we are from traditional lenders. Nifty takes a fresh approach to quick personal loans online. You might be wondering – is it safe to apply for a personal loan online? The answer is yes. You can rest assured knowing Nifty complies with all responsible online lending regulations.

Fast bad credit personal loans online

If bad credit has stood between you and a personal loan in the past, it doesn’t have to anymore. At Nifty we will do our best to match you with a fast bad credit personal loan online. We know that sometimes bad credit is unavoidable. Nifty is giving all Aussies a fair go at a personal loan, regardless of bad credit. It is important to remember that Nifty does not provide personal loans online instant approval with no credit check. Our team will always conduct a credit check when you apply for a personal loan online, however, this is not the only thing they look at.

Does Nifty do instant loans?

If you’ve been googling ‘personal loans online instant approval’ then it is important to note that Nifty does not claim to provide instant loans. Our team will conduct a thorough assessment of your loan application and this can not be done instantly. If you submit an application during AEST business hours a member of the team will do their best to get back to you with an outcome in just 60 minutes. It’s as close to instant as you can get!

What Can I Use My Quick Personal Loan Online For?

Online personal loans can be used for a variety of different expenses. Here are just some of the expenses you could sight on your application form:

Easy Personal Loans Online For Wedding Expenses

It’s no secret that most weddings cost a fortune, but you don’t have to sacrifice your big day if you don’t have the funds to cover it. So, don’t pass up on the dress of your dreams, apply for a small personal loan online and let Nifty take care of the cost. You could get up to $5,000 right now without the hassle. If approved, the cash could be in your account in 60 seconds**.

Quick Personal Loan Online For Car Repairs

Let’s be real. Car problems never seem to happen when you’re flushed with cash. If the credit card has taken a serious beating over the last couple of months, why not let Nifty take care of your finances? You could apply online right now. We take care of the tricky stuff so you can focus on finding a trustworthy mechanic. So, don’t suffer on the bus for the next couple of months when you could be back on the road with car repair loans from Nifty. We have flexible repayment options that could suit your lifestyle. Why not see what Nifty could do for you. After all, it costs nothing to apply!

Personal Loans Online For Holiday Expenses

We think you deserve a holiday. That’s right, Nifty could provide personal loans online for holiday expenses. Let us take care of the cash while you focus on the travel plans. Maybe you want to head on a big overseas trip, or maybe you’re just want to head for a relaxing holiday on the coast? Regardless of where you want to go, why not get the cash you need to make it happen today? Nifty could have a loan product to suit you and a repayment period that will fit in with your lifestyle. Wondering how to apply for a personal loan online? It could be done from the comfort of your own home.

Who Can Apply?

Have you been googling ‘where can I apply for a personal loan online’, or ‘how to get personal loans online’, or maybe ‘how to apply for a personal loan online fast’? Well, you’ve come to the right place. We are making it easier than ever. So, if your wondering who can apply, here is our criteria…

  • You must be 18 or over;
  • Have an active email and mobile phone number;
  • You must have had a steady income for the last 3-months into a bank account of your own;
  • You must be an Australian citizen or permanent resident.

What You Will Need To Apply?

At Nifty we try to keep the application process as simple as possible when it comes to personal loans online. So, we only need the basics from you. You can rest assured we will never ask you to provide us with information that is not essential. So, if you want to make the process even easier than it already is, have these things with you…

  • Your basic personal information (name, D.O.B, address etc.);
  • Online banking login details (so we can access read-only copies of your bank statements);
  • You will be asked to provide us with the reason why you are applying for a loan;
  • We will need your MyGov details (if you are receiving Centrelink benefits);
  • You must be able to prove that you are an Australian citizen or permanent resident.

The Easier, The Better

We think that keeping things simple is the best way to go. So, unlike traditional lenders, Nifty avoids unnecessary questions. Forget about gathering and printing mountains of paperwork. Our entire process is 100% online. If you apply for a personal loan online during business hours our team will do their best to get back to you with an outcome in just 60 minutes. If you apply outside of business hours, your application will be first in line the next business day. You can be guaranteed our lending team will do their very best to match you with a loan product to suit your lifestyle.

What Type Of Quick Personal Loan Online Can Nifty Provide?

Nifty offers three different types of personal loans:

Small Personal Loans Online

At Nifty, small personal loans can be applied for within the value of $300 and $2,000. These loans are usually repaid over a period of 6 – 9 -months. Small loans with Nifty are unsecured. That means you do not need to attach equity to your loan application. This is convenient if you don’t own a car, motorbike, boat or caravan.

Medium Personal Loans Online

Medium size loans with Nifty are between the value of $2,100 and $4,600. These loans are usually on a repayment schedule of between 9 and 24-months. Although equity is not always necessary when applying for a medium loan, there may be some circumstances under which it is necessary, generally with the higher loan amount.

Large Personal Loans Online

Large loans with Nifty are up to the value of $5,000 – this is the most we are able to loan. The repayment period on a large loan is also 9 to 24 months. For large loans, we require some form of equity to be held against the loan. Nifty accepts a car, motorbike, caravan or boat as equity.

How To Apply For Personal Loans Online Fast

The application is the easy part. Nifty is 100% online. That means you can apply wherever you are. We could even have an answer for you within 60 minutes (during AEST business hours). If approved the cash could be in your account in just 60 seconds (for NPP enabled bank accounts).

Step 1

Scroll to the top of the page and use our loan calculator to work out the amount you’d like to borrow and the repayment period. Once you’ve done that you’ll be able to see the weekly, fortnightly and monthly repayments that could be on the loan. When your happy, you can hit ‘apply now’!

Step 2

‘Apply now’ will take you straight to our super fast and easy application form. We just need the basics from you. No complicated questions, just the essentials. You could even have it completed within a few minutes.

Step 3

You’ve done your part, let us do ours. Once you’ve completed your application there’s nothing more you need to do. We will review and assess your application then get back to you as soon as we have an answer. During business hours, this could even be within 60-minutes of application. How fast is that?

Step 4

If you’re approved we will be in touch immediately. One of our team will send you over a copy of your loan agreement via email. We will need you to review this carefully and contact us with any questions you may have. Once you have signed the contract it will be automatically returned to our lending team and the funds will be scheduled for transfer. Access to funds is subject to inter-bank transfer times. Depending on your bank, the money could even reach your account on the same day!

Apply Now!

So, what are you waiting for? You could get the cash you need right now! Don’t wait, jump on your phone or computer wherever you are and whenever you like and apply for a personal loan online! Nifty is here to help.

***Only available for NPP enabled bank accounts

 

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

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 Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.