Short Term Loans | Quick Personal Loans up to $15,000
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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.

Short-term loans to avoid long-term worries

Sometimes, unexpected expenses come out of nowhere. If you don’t have the cash ready to settle your expenses, Nifty offers short-term loans online for eligible applicants. Nifty offers quick cash loans from $2,100 to $15,000 to be repaid over 9 to 24 months. Whether you have urgent medical expenses or a large dentist bill, Nifty Loans may have a loan to suit you.

Nifty Loans is a 100% online lender. We offer one of the fastest loan services in Australia, with instant transfers available upon loan approval. This means you could have your money ready to use within 60-seconds**. We endeavour to deliver you with the fast loans you need.

What is a short term loan?

Short term loans Australia are a form of personal loan used to cover expenses from $2,100 to $15,000. We offer two types of short term loans: medium loans and large loans.

Medium loans are secured personal loans from $2,100 to $4,600. These loans are secured, meaning that an asset must be attached to the loan as security, and can be repaid from 9 to 18 months. Our loans over $2,100 are secured as there is more risk involved for the lender.

Large secured loans range from $5,000 to $15,000. These loans can be repaid over 12 to 24 months and can be used to cover any large personal expenses.

What can I use a short-term loan for?


Before we can approve your application, we must ensure that you meet our eligibility criteria. Please ensure that you can say ‘yes’ to the following before you apply:

  • You are at least 18 years old
  • You have had a consistent income into your bank account for at least 90 days
  • You are an Australian citizen or Australian permanent resident
  • You have an email address and mobile number
  • You have internet banking set up
Supporting documents

For our team to quickly process your loan application, we must have the following supporting documents.

  • 100 points of ID
  • Your basic personal information (name, D.O.B, address etc.)
  • The reason for your loan
  • Your online banking details (to access copies of your bank statements)
Getting a short-term loan with bad credit

Bad credit can make finding a suitable loan difficult. We are an online lender, which means that we are able to take a more inclusive approach to lending. We use bank statement technology to access read-only copies of your bank statements; we do this to assess your income and spending habits. If we determine that you can afford your loan repayments, even with bad credit, we may be able to offer you a bad credit personal loan.

We are guided by responsible lending principles set by ASIC. We may be able to offer you a bad credit loan; this will be completely subject to our thorough individual assessment. We conduct credit checks on every loan applicant in line with responsible lending.

Frequently asked questions

How much can I borrow with a short-term loan?

We offer loans from $2,100 to $15,000, so you can apply to borrow any amount within this range. We will assess your affordability to ensure that you can manage your loan; if we do not find that you can afford the amount you apply for, we may offer you a lower amount.

Can I get a short-term loan if I have bad credit?

Nifty Loans has offered thousands of Australians bad credit personal loans. We will conduct a credit check and thorough financial assessment to ensure that you can afford to take out a personal loan with bad credit. If we determine that you can manage your loan comfortably, we may be able to provide you with a bad credit loan.

How do I repay my loan?

We will set up a direct debit from your nominated account in line with your pay cycle. This is to ensure that the money for your repayments will be in your account on your payment date. When your loan has been fully repaid, these direct debits will stop.

Do you offer short-term business loans?

Unfortunately, we do not offer short-term business loans. Nifty’s short-term loans are designed for personal use. Short-term business loans are supplied to businesses by lenders that usually start at a minimum of $5,000. Our loans will need to be registered to an individual’s name, not on behalf of an entity or business.

Ready to Apply?