After A Secured Personal Loan? Apply up to $15,000 Online
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

secured personal loan is right for you if you are: Hunting for a new car? Or turning your hobby into a side hustle? Go for Nifty. You can apply for secured personal loan with Nifty from $2,100 up to $15,000 and repay it over 9 to 24 months. Sounds perfect, right? It’s just what some people need to get a head-start on their latest venture, whether it be for business or pleasure!

Introducing Nifty Loans

We are a neo-lender that is dedicated to providing easy finance for all Australians. We think finance should be accessible, not privileged. That’s why we offer easy finance to anyone who is looking to boost their funds. Whether you’re looking for a small investment into a side hustle or maybe an upgrade to your bathroom; we can provide the finance. Our loan process is 100% online and has zero paperwork! And more good news, our loan application only takes minutes to complete. That’s it! Easy, right?

What is a secured personal loan?

secured personal loan is a personal loan that is backed by equity such as a motorbike, car (new or used), caravan or boat. Our medium and large loans range from $2,100 up to $15,000 and you repay secured loans over 9 to 24 months. All personal loans above $5,000 are considered secured and must be backed by security, while medium loans between $2,100 and $4,600 can be unsecured or secured. We are upfront about all loan costs because we don’t want you to apply for a secured loan if you cannot risk the security. So, if you’re looking for a smaller loan, we offer those too!

What is an unsecured personal loan?

An unsecured personal loan is a personal loan that doesn’t have to be backed up security. Are you a bit of a commitment-phobe? Then, unsecured loans might just be your perfect match. Without a need for security, our unsecured loans are easy to repay with flexible loan terms. When it comes to the unexpected, Nifty Loans is prepared to help get you back on track.

Who is eligible for a secured personal loan?

As it happens, those who qualify are also eligible for an unsecured loan! We’d love to provide easy finance for all Australians; however, we also adhere to responsible lending practices, so we have a few requirements to meet before applying for a secured loan:

  • Be at least 18-years of age;
  • Be an Australian citizen or permanent resident;
  • Have an active mobile number and email address;
  • Have been receiving regular income for the past 90-days.

It’s that easy. So, if you’re looking for a helping hand, scroll up and apply for our secured loans!

What to have handy when you apply

We want to give our clients every tool so they can succeed. That’s why we provide flexible loan terms, accessible customer service, and all the right info to have handy to fast track our application process. If you have these details handy, your secured loan application will fly by:

  • Personal contact details, e.g. mobile number and email address
  • Reason for your loan
  • Bank account details
  • Employment info

If you have these details handy before you begin your application, you will be able to fly through the application! Scroll up to find out.

No hidden costs

We believe that honesty is the best policy, so all our costs will be clearly laid out in your contract. You can find our main costs on our website, however, you can also find them again at the bottom of this page for the following loans:

  1. Medium personal loans: $2,100 to $4,600
  2. Large personal loans: $5,000 to $15,000

Don’t forget that large personal loans must be backed by security, such as a motorbike, boat, car or caravan.

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 fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.

Easy-peasy repayments

After some simplicity in life? Well, you’re in luck as our secured loan repayments are easy and hassle-free. We use the latest in safe banking technology to set up automatic repayments via direct debit. Yes, you read that correctly. Our repayments are 100% automatic! No need to set hundreds of reminders only to forget to make your repayments. Just make sure you have enough money in your nominated bank account. Otherwise, you may be charged a dishonour fee.

Frequently asked questions

Why do we ask for your bank account details?

Good question! We ask for your bank account details when you apply for a secured or unsecured loan to assess your suitability. Instead of purely looking at your credit score or credit history, we look at your current income and expenses. So, using the latest in safe banking technologies, we access a read-only copy of your bank statements and expenses. We value your privacy, so we don’t mess around with your details. Want it in writing? Have a read on our privacy policy.

Do we offer secured bad credit personal loans?

Yes! We sure do. We don’t believe that bad credit is the only indicator of suitability. That’s why we look at your current income and expenses to assess whether you are suitable to apply with Nifty Loans. We can look past previous financial mistakes and give you the ability to apply for the finance you need. At Nifty Loans, we know that sometimes the unexpected strikes and quick finance is your contingency plan. So, we want to help! If you have bad credit, apply today, and we’ll see if we can help.

Do we perform credit checks on secured personal loans?

On the subject of bad credit, you may be wondering, “do we perform credit checks?” Well, the short answer is yes, we do perform credit checks. However, a credit check is not all we look at. As mentioned before, we mainly look at your current income to determine your ability to repay your loan. We also conduct credit checks because we adhere to responsible lending practices. Nifty Loans aims to provide all Australians with easy and simple finance; however, we won’t approve anyone that cannot afford their repayments.

What happens if I cannot make my repayments to my secured personal loan?

Sometimes life hits you with the unexpected and our team of loan specialists understands that. So, if something happens that hinders your ability to make your upcoming repayment, give our team a call. Remember, they are humans too. And understand that life doesn’t always go to plan. Just make sure you give us 24 business hours notice before your repayment is due.

Let’s be friends

So, now that you know everything there is to know about secured personal loans, perhaps it’s time to put your knowledge to the test and scroll up to apply now!

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

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Let Nifty tell you a little more about bank loans.

If you need a boost in your funds, a secured personal loan may be the ticket. Our 100% online loan service is what you need for hassle-free finances. If you have any questions about our loan service, you can email our team at or call us on 1300 471 328. So, don’t wait – scroll up and apply today!

What are you waiting for? Apply Today!