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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.

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Short Term Loans From Nifty!

What are short term loans?

Short term loans are small loans of up to $5,000, repaid over 6 to 24 months. Customers are usually required to make payment installments in-line with the day they’re paid. Nifty Loans offers a simple online application with quick outcomes. Find out if you qualify now – apply to get started! It’s important to remember that a short term loan and payday loans are not always the same thing. Learn more about payday loans or see if you qualify.

Short Term Loans

Nifty’s short term loans

Nifty can offer the best short term personal loans based on your situation of up to $5,000, that can be repaid over a period of up to 24 months. Once your application has been assessed and approved, we will send you a contract outlining how much you’re able to borrow, what the repayment terms are and how much your repayments will be. From there, a direct debit will usually be set up in line with when you are paid. That’s just one thing that makes our small short time loans simple!

Where is the best place to get a short term personal loan?

Were to find the best personal loan will depend on many personal factors. You need to consider what you want your loan for, how much you need, the period that you need it and the fees and interest you are willing to pay. You also need to consider your own credit and loan history, and what your lender options might be. It is also a good idea to always seek independent legal and financial advice before deciding on what is the best short term personal loan for you.

If you need access to short term loans from $300 to $5,000, consider Nifty Loans. Our short term loans could be the funding option you need when emergencies arise. We are one of the fastest-growing non-traditional lenders in Australia. In fact, our clients recommend the short term personal loans Australia that we have to offer! Borrow money online with Nifty Loans, it’s free to apply.

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Here's a Nifty question!

Before applying for a short term loan, have you considered exactly how much you need?

What makes Nifty’s short term loans so good?

There are lots of online lenders around, so what is it that makes Nifty Loans so awesome? Well, for a start, we value all of our clients and take their needs seriously. We take pride in our transparent, easy to use, 100% online application form that helps every-day Aussies achieve their goals quickly without any trouble! Most of our applications have an outcome within 60 minutes, provided you apply in normal business hours. Not only that, but we offer instant banking! If you have an NPP enabled bank account, you can have your funds within 60 seconds of approval.

Customer service is key to us – we believe that everyone deserves a fair go. If you choose one of Nifty’s short term loans, that’s just what you will get!

How to apply for loans with Nifty?

Applying for one of our short term loans online is super simple and extremely quick. Click the APPLY NOW button and fill out Nifty’s easy loan application.

On average, it takes our clients about 10 minutes to apply for short term loans, meaning instant cash* could be just a few clicks away. If you apply during our business hours, we’ll do our best to provide you with an outcome of your loan application within 60 minutes.

*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.

Now that’s a Nifty loan!

Which short-term loans online are the best?

As we have already stated, there are a lot of things to consider when looking for the best shot term loans. There are so many different packages, fees and percentages that lenders plaster all over their websites, it’s understandable that people get confused. Honestly, who wouldn’t be? That’s why Nifty Personal Loans is committed to making fees and assessment processes transparent.

Have a question about our loans? Fire away! There’s no shame in needing help or wanting to ask questions. If you’re not quite sure about how our short term loans work, don’t worry. When you apply for a short term loan with Nifty Loans, you can ring our friendly customer service department and ask as many questions as you like! You’re also able to chat to you via email!

Our customer service department is based entirely in Australia and 100% made up of – wait for it – real people. If you call during our business hours, we guarantee that you’ll speak to a real person. Got a question outside of our business hours? No worries. Send us an email with your queries and we’ll get back to you the next business day. That’s the Nifty Loans customer service guarantee!


Here's a Nifty fact!

You can repay your short term loan early at any time, without any extra fees!

Do I need any paperwork to apply for a short-term loan?

Some lenders may require physical paperwork to be submitted during the application process. A big upside to Nifty’s short term loans is that they are 100% online, entirely paperless and, in most cases, same day loans! So while we don’t offer no bank statement loans, our process is completely online and seamless!

We do assess your bank statements as part of our responsible lending policy, however, you’ll be guided through an electronic statement retrieval step when you submit your application. Don’t worry, we use bank-level security measures and will be able to look, but not touch. We’re all for greenery so we aim to provide short term loans that don’t require physical paperwork to save you the stress and hassle – and a few trees, too.

Can I get a short term online loan?

You’ll need to meet our application criteria to be eligible for one of our short-term loans.
To apply, you must:

  • Be over 18 years of age;
  • Be an Australian citizen or permanent resident;
  • Have had a regular source of income for at least 3 months prior to applying;
  • Have an active mobile number and email address.

If you meet all these requirements, congratulations – you are ready to apply for your Nifty short term cash loan!

How do I apply for a loan?

If you meet our eligibility criteria, get started with our quick and easy online application process.

  1. Submit your application online: this part usually takes most applicants just minutes to complete! Fill it in online while having your morning coffee or after hours when you get a few minutes to yourself!
  2. Get conditional approval: based on your personal details we will determine if one of our loan options is suitable for you.
  3. Supply supporting data: We utilise the latest and safest banking technology that will obtain 90 days of bank statements in seconds! If we need any other information, we’ll contact you!
  4. At Nifty, we cannot offer no credit check loans, as we are committed to giving every loan application a fair assessment.
  5. We assess your situation: As responsible lenders, we want to make sure you can comfortably pay back one of our loan products. If you want to know more about Nifty’s policies, see our credit guide.
  6. Money transferred:After you have been approved the money will be transferred into your account.

Short Term Loan Comparison

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

Googling short-term loans Australia no credit check?

As a part of our responsible lending process, we do credit checks on each applicant. However, your credit history isn’t necessarily an accurate reflection of your current relationship with money. We also look at bank statements to verify that your current financial situation can support a short term loan and interest repayments. If you’ve got bad credit, don’t worry! You can still apply for bad credit loans with us. We don’t generalise and we understand that every person’s situation is different.

That’s why we assess every single application for fast easy short term loans online on a case by case basis. Although we do a credit check for all our loans, it’s not the only thing we look at. We consider a range of other factors to give you the fair go that you deserve! Here at Nifty Loans, we take our reputation as a responsible and trustworthy lender very seriously.

If you’re googling how to get a short term loan with bad credit, then we’ve got the answers you seek. You can apply for bad credit loans with us! Here at Nifty Loans, we believe your credit history is history. We’re willing to give you a second chance even if you’ve got bad credit. We understand that sometimes life is unpredictable and unfortunate things can happen that you can’t control.

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

Yes, traditional lenders may be less amiable when it comes to small loans for people on Centrelink, but don’t fear! If you’re looking for an upfront payment, there are some opportunities that Centrelink recipients can use, such as the Centrelink cash advance.

You are also welcome to apply for loans for people on Centrelink with Nifty Personal Loans. We won’t reject your application for one of our short-term loans just because you’re on Centrelink.

Although we do consider most Centrelink payments as a form of income, they must be consistent and reliable. So if you’re receiving a regular income from Centrelink into a personal bank account, you will be eligible for one of our short-term loans. Apply now at the top of the page!

Looking for short term loans bad credit?

Wondering if you can get one of our short-term loans even if you have bad credit? Absolutely! At Nifty Loans, we understand that life can sometimes throw you a curveball; sometimes several at once!

Everyone has made mistakes in the past – you shouldn’t be punished just because you made mistakes with money. We’re big believers in second chances, and we’d love to give you that opportunity!

That is why we are willing to see past your past and toward a brighter future. Apply for one of our short-term loans online and let your credit history stay history.

Begin the next stage of your life by building a future positive relationship with Nifty, so we can help you get back on the road to financial security and happiness!

I’m looking for short-term business loans, do you do those?

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

Nifty’s short-term loans are short loans of up to $5,000 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.

How do you pay back a loan?

We will outline your loan repayments in your credit contract. It’s important to read this before signing so that you know when your short term loan repayments will be due and how much you’ll need to pay.

Paying back what you have borrowed couldn’t be more straightforward. We can set direct debits to be deducted in line with your pay so you’ll never have to worry about being caught short of cash.

You can also make a payment via our customer portal or contact our office on 1300 471 328 to make a card payment.

Responsible Lending

In line with our responsible lending criteria, Nifty will never approve a loan if we believe the applicant cannot reasonably afford to pay it off. Just like our application process, we’ve made our repayment system simple, just for you! For more information on responsible lending at Nifty, check out our responsible lending policy.

Looking for other short term cash solutions?

Need money but don’t want to borrow it? There are always options for you to get ahead in no time.

  • Put in some overtime: If you work in an industry like customer service there are always jobs to be done but not enough hours in the day, make sure to get permission for overtime first. This is a great way to put in some extra work to get that extra money you need to pay that high phone bill or put some extra savings away. Not only that, but the boss will also be happy too.
  • Cut down on expenses. What bills do you have that you really don’t need? Is there a family account you could jump on for Netflix, Stan or Foxtel? Instead of paying for a gym membership, consider downloading a free app and working out from home. Do you have the best phone and internet plan for your needs? Are you paying too much for a service that you barely use?
  • When was the last time you took a holiday? If you aren’t taking your leave, why not look at cashing some of those days in.
  • Do you have investments you haven’t checked lately? Maybe you have dividends owed that haven’t been paid yet and can chase up.

Have you considered your other options, but decided a loan is what you are after? Then read on!

So where do you borrow money?

The number one place to get a loan – Nifty Loans. We’re a small, responsible neo-lender committed to providing 100% online, fast and easy short term loans to every-day Australians. Forget paperwork, queues or misleading fees. At Nifty, we strongly believe we provide the best short term personal loans. We could even provide an instant short term loan when you need cash fast!

Now that’s Nifty!

It’s our mission to make your Nifty experience a good one because we want you to be as happy with our customer service as we know you will be with our loans. If in the future you ever need another $5000 loan, we want you to feel comfortable applying for one of Nifty’s short-term loans again.

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!


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Andy Andy


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


Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
EEstablishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 weekly repayments
EEstablishment fee:
Total other fees:
Total payable:
Weekly installments:
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.