Short Term Loans | Fast Online Loans From $300 to $10,000

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Fast Personal Loan

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.

Short Term Loans From Nifty!

Short Term Loans

Looking for a loan without the long-term worries?

We live in a fast-paced world, so it makes sense why so many of us look to quick and easy online options to tackle our everyday tasks. From ordering our favourite foods to streaming our favourite movies, the world is now at our fingertips. This is no different to short term loans. 

The good news is that we’ve done the hard work for you. So, if you’re someone in need of fast cash loans, why not let Nifty lend a hand?

Who is Nifty Loans?

Before we delve deeper into short term loans in Australia, we thought we should introduce ourselves first. Nifty Loans is one of Australia’s fastest-growing small online lenders. We offer personal loans up to $10,000 for everyday Australians – with repayment periods ranging from 6 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, if you’re looking for some of the best short term loans in Australia, keep reading to find out how we could help you.

Short Term Loans FAQs

What are short term loans?

Short term loans in Australia are just that, short term! They are small loans up to $10,000 and are repaid over 6 to 24 months. Customers are usually required to make payment instalments in-line with the day they’re paid.

If you need access to short term loans from $300 to $10,000, turn to Nifty Loans. Our short term loans could be the funding option you need when emergencies arise.

Can I get a short term loan If I have bad credit?

Does the phrase ‘credit check’ make you cringe? Don’t worry, you’re not alone. Lots of Aussies are afraid their bad credit score automatically rules them out from getting a loan. Fortunately, Nifty has provided thousands of Aussies with short term loans bad credit, which is why we put more focus on your current finances to look at how you’re going to repay the loan. If your financial history is solid, then we see no problem approving your loan application. 

At the end of the day, we’re not your average lender. We welcome clients with bad credit and believe that a bad credit score doesn’t come close to telling your full story!

Can I get a short term loan with no credit check

There are a lot of online lenders out there who will entice you with promises of ‘no credit checks’. If you ever do come across an offer that sounds too good to be true, then it probably is. Which is why your first step should be to look for a lender who adheres to the code of responsible lending. As part of this commitment, Nifty conducts credit checks on short term loan applications. 

Can I get a short term loan if I’m on Centrelink?

Yes! We believe in inclusion for all Australians which is why we encourage all eligible Aussies to apply. If your loan repayments will comfortably fit with your Centrelink income, you stand a chance at approval.
Our team will assess your application and do their best to understand your financial situation and match you with a loan. So, while this doesn’t mean you’re guaranteed to get a loan, we can guarantee you will be given a fair and just assessment. 

How do I repay my loan?

With Nifty, our repayments work by setting you up with a direct debit. This means your repayments come out of your account automatically, without you having to worry. The dates that your direct debits will come out of your account will be outlined in your contract. These will generally be set up to match your pay cycle, so that you know you will never have to worry about missing a payment. 

You can also make a payment via our customer portal. If you run into issues, contact our office on 1300 471 328 for assistance.

Do you do short-term business loans?

Unfortunately, we don’t offer short term business loans.

Nifty’s short term loans are short loans of up to $10,000 designed for personal use. Short term business loans are quick funds supplied to businesses by lenders to cover any unexpected costs, such as emergency repairs.

They might even be used to take advantage of a sudden opportunity that would be a lucrative long-term investment. Short term business loans usually start at a minimum of $5,000.

Our loans are short term loans and need to be registered in an individual’s name, rather than on behalf of an entity or a business. If you’re in the market for short term business loans, you may want to look elsewhere.

Who can apply for short term loans?

We have a list of eligibility criteria that you’ll need to meet before you apply for our short term loans. To be eligible you need to:

  • Be 18 years or older;
  • Be an Australian Citizen or Permanent Resident;
  • Currently be receiving a regular income into a personal bank account for the last 3 months;
  • Have an active Australian mobile number and email address;
  • Have internet banking set up.

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

What information do I need to provide?

Our application is super simple and quick! 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 either. 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 short term loans?  

Submitting an application with Nifty is easy, stress-free and 100% online! You just need a few pieces of information handy and then you can get started at any time. We’ve provided you with some quick, simple steps on how to do this:

Step one: Apply online

To start your application, simply scroll up to use our loan calculator. After selecting how much you wish to borrow, you’ll need to consider how long you would like to take to pay back your loan. Finally, once you are happy with your loan terms, click the Apply button and you’re on your way! It’s that easy.

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 short term 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.

What can a short term loan cover? 

There are a lot of things to consider when looking for the best short term loans. With so many different packages, fees and percentages that lenders plaster all over their websites, it’s understandable that people get confused about what exactly short term loans entail and what they can cover. That’s why Nifty is committed to making this process as transparent as possible. 

Short term cash loans can be used for most personal expenses. Here’s an idea of how previous Nifty customers have used their loan:

Nifty LoanLoan TermLoan Amount
Car Registration Loans6 months$500
Rental Bond Loan9 months$1,500
Holiday Loans13 months$3,000
Wedding Loans24 months$5,000

Why choose Nifty?

We know there are plenty of online lenders around, so what makes Nifty Loans so awesome? In tough times, we understand that you’re looking 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 short term loans when those unexpected expenses come up: 

  • You won’t have to leave your home to apply and receive your short term 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 a personal loan with no credit? Nifty does conduct credit checks. However, we may still be able to help you access short term loans with bad credit.

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’re hoping you now have all the information you need to make an informed decision about whether or not a short term loan is right 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 and happiness with Nifty Personal Loans!

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.