Quick Loans up to $10,000 | Fast Outcomes & Instant Transfer

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

Apply now for:

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

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.

Nifty’s Quick Loans

Quick Loans

Need quick cash?

Had a health emergency? Gotten into a car accident? Or just can’t keep up with all those bills? Whatever your situation may be, we can all agree financial emergencies can get expensive, and unpredictable. So, when you find yourself struggling with an emergency expense, Nifty’s quick loans online could be your saving grace. 

Our quick personal loans are 100% online, paperless and fast all the things you want to hear when you’re in need of some cash, quick. Read on to find out how you could qualify for one today!

Who is Nifty Loans?

Before we delve deeper into quick loans, we thought we should introduce ourselves first. We are one of Australia’s fastest-growing small online lenders. We service online loans up to $10,000 for everyday Australians – with repayment periods up to 24 months. Our dedicated loan specialists work with hundreds of Aussies each and every day to identify the best loan for their needs.

More importantly, we are a committed, responsible lender. As such we comply with all the relevant state and federal legislation so you can trust that we will get you the best outcome every time. So, you need quick loans Australia and are ready to apply? Keep reading to find out all you need to know.

Quick Loans FAQs

What are quick loans?

Quick loans are just that, quick! They are essentially personal loans where you can borrow up to $10,000 and have the money sent to you on the same day of applying. The repayment period on these loans depends on the amount you decide to borrow.

Nifty specialises in quick loans. Our online application usually takes people less than 8 minutes to complete. From there, you could get an outcomes in 60 minutes* and have your cash in your account within 60 seconds of signing your contract.

What can I use quick loans for?

While we know quick cash loans can be the perfect solution to a financial emergency, some people don’t realise they can be used for other purposes. In fact, there’s a wide range of reasons you might qualify for a personal loan.

Our most popular loans you can apply for are car repair loans, rental bond loans and even medical loans. But we don’t stop there! To give you an idea of what other types of loans you can apply for, here is a small list of some of our other loans:
Holiday loans
Debt consolidation loans
Home improvement loans
Dental Loans
Emergency loans

Is your particular expense not listed here? Don’t worry! If you’re looking for a loan to cover any other expenses, just state that in your application, and we could give you the loan you need!

Can I get quick loans with bad credit?

Yes! At Nifty, we believe having a bad credit score doesn’t come close to telling us your whole story. We focus on the bigger picture. As a result, we’ve provided thousands of Aussies in all sorts of financial situations with bad credit loans. What makes us stand out is that we’re determined to assess every applicant equally and we don’t just look at your credit history to decide if you are eligible for a loan or not. We take a look at the bigger picture – your current relationship with money and your bank statements. 

Will you check my credit score?

At Nifty, we do conduct credit checks as a part of our responsible lending practices. However, don’t let that deter you from applying for our quick loans with bad credit. We aim to give every Aussie a fair go.

Can I get quick loans on Centrelink?

You sure can! At Nifty, we encourage all eligible Australians to apply for our online loans when they need them. If the loan repayments will comfortably fit with your Centrelink income, you could be considered for approval.

Our team will immediately assess your application and do their best to determine whether you’re eligible for one of our loans. So, while this doesn’t mean you’re guaranteed to get a loan, we can guarantee you’ll be given a fair assessment.

What’s the difference between secured and unsecured loans?

A secured loan requires you to provide an asset as security. This could be your car, boat or other assets with equity. By showing proof of any of these assets, you are providing a greater sense of security to the lender. With a secured loan you could also get a lower interest rate on your loan. However, if there’s a chance you are suddenly unable to repay your loan, the lender can take possession of the asset to cover the costs of the loan. Don’t stress though! This is only done as an absolute last resort.  

An unsecured loan, on the other hand, doesn’t require any asset as security. Without a need for security, our unsecured loans are easy to repay with flexible loan terms. The loan can be repaid over a 6 to 9 month period.

Who is eligible for quick loans?

Before you apply for a quick loan, we have a list of eligibility requirements that you’ll need to meet. To be eligible, you need to be:

  • 18 years or older with an active Australian mobile number and email address;
  • An Australian Citizen or Permanent Resident;
  • Currently receiving a regular income into a personal bank account (for at least the last 3 months);
  • All setup with internet banking.

If you meet this criteria, then you’re eligible to apply for a quick loan! 

What information do I need to provide?

The good news everyone wants to hear – our application is simple, quick and 100% online! That means no unnecessary documents and paper forms. You just need to fill out a few important personal and financial details, such as:

  • 100 points of ID (name, D.O.B, etc.)
  • Contact information
  • The reason for your loan
  • Internet banking details
  • Your MyGov account details (if you receive Centrelink benefits)
  • Employment details and employer contact information

Don’t stress about handing over your banking information. Our team will obtain a read-only copy of your bank statements to get a better understanding of your spending habits, income and existing financial commitments in order to determine whether or not you will be able to repay a personal loan. 

How do I apply for quick loans?  

More good news – applying for our loans is again, quick and simple. We’ve provided you with these simple steps on how to do this:

Step one: Apply online

To start your application, simply scroll up to use our loan calculator. Select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’  Next, you’ll be directed to our 100% online application. Here, you’ll need to provide some personal and financial details. Make sure you fill out the required fields as thoroughly and as honestly as possible. When you’re finished, hit ‘Submit.’

Step two: We’ll assess your application

That’s it from you! We’ll take over from here. Once we’ve received your application, our team of loan specialists will get to work assessing it. In other words, just sit back and relax while we assess your application. 

Step three: Review and sign your contract

If the Nifty team has been able to match you with a quick loan, congratulations! We’ll then send you an electronic copy of your loan contract for you to review and sign. We recommend reading the terms and conditions thoroughly to make yourself aware of any fees and charges for late or missed payments. When you’re happy, e-sign it!

Step four: Get your cash!

Finally, as soon as our team receives a signed copy of our agreement, we’ll transfer your cash. If your bank is NPP-enabled, you could have the cash in your account in just 60 seconds*. Of course, this is all provided your contract is signed before the close of business.

*If approved, most of the time we will transfer the money into your bank account instantly. This can take as little as 60 seconds depending on your bank. Read more about our instant banking feature here.

Why choose Nifty?

Nifty is a bit different, compared to traditional lenders – that’s what makes us so great, if we do say so ourselves. We won’t treat you like a number or a liability like a bank or credit union typically would. Whether you’re employed, get your income from Centrelink, or have bad credit, you are welcomed by Nifty.

In tough times when you’re hit with unexpected expenses, we understand you’ll be on the hunt for a trustworthy lender that can offer fast outcomes and even faster payouts. Here are a few reasons why you’re better off turning to Nifty for quick loans online when those unexpected expenses come up: 

  • You won’t have to leave your home to apply and receive your quick loan
  • Our application is fast and to the point. Some applicants will get a yes or no answer on their loan application within 60 minutes*.
  • Looking for quick loans bad credit? Nifty does conduct credit checks. However, we may still be able to help you if you have bad credit. Here at Nifty, we don’t only look at your bad credit, because we think that your credit history shouldn’t be the only thing considered when assessing your loan eligibility. 

Most importantly, at Nifty we understand that life doesn’t always go to plan and sometimes customers need a second chance!

Ready to apply?

We hope you now have all of the info to make an informed decision about whether applying for our quick loans is the right thing for you. If you still have more questions, check out our FAQ page or send us a message, here

We already have thousands of satisfied customers and we’d love for you to join our happy family! The emphasis that we put on awesome customer service, happy customers and quick outcome loans are what make us one of the best short term lenders around!

So what are you waiting for? Click the Apply Now button at the top of the page and start your journey to financial security with Nifty!

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.