Small Loans | Small Cash Loans Online up to $2,000

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Get your cash within 60 seconds of approval*

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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.

Small Loans Australia

Small loans to cover the unexpected

Have you been hit with an unexpected expense that just slightly tips your budget? At Nifty, we understand that sometimes the unexpected happens. Small loans can be the solution you are looking for. At Nifty, we offer small personal loans up to $2,000 so you can get you the cash you need fast.

What are small loans? 

Small loans are unsecured personal loans that range between $300 and $2,000. Because the loan is unsecured, you do not need to attach an asset as collateral. These small loans online are as close to instant loans that you can find in Australia and can be repaid over a period of 6 to 12 months.

We understand that you need your cash fast. That is why we offer same day cash loans with our 100% online, paperwork free loan application process. You could have your outcome within just 60 minutes* (if you apply within our business hours). 

What can small cash loans be used for?

Not sure what you could use your small personal loan for? Here are some of the most common uses for small loans with Nifty:

Who is eligible? 

There are a few eligibility criteria all of our applicants must meet to be approved for a small personal loan. Before you apply, make sure meet all of our requirements:

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

Is it possible to get a small personal loan with bad credit?

Are you worried that your credit score may stop you from accessing a small personal loan? At Nifty Loans, we offer small personal loans bad credit. We will not make a decision solely based on your credit history. We will look at your recent bank statements using third-party encryption to get a better understanding of your current financial situation. 

While we must still conduct a credit check by law, in line with the responsible lending obligations by the ASIC, we will not deny you because of bad credit. If we believe you will have the means to make your repayments, we may be able to provide you with a personal loan.

FAQs

How much can I borrow?

You can borrow up to $2,000 with our unsecured personal loans. If you wish to borrow more, we offer medium loans and large loans up to $10,000. These loans are secured and repayment periods will vary.

How do I apply for a loan?

There are a few simple steps involved with applying online for a personal loan. (1) Apply online using our loan slider; (2) we assess your application; (3) review and sign your contract; and finally (4) you receive your money. 

We will aim to get back to you with the outcome of your application within 60 minutes (if you apply within business hours). If approved, you could have your money in your bank account within just 60 seconds**.

I’m on Centrelink, can I apply for a small loan?

We consider most Centrelink income a regular income. As long as you have been receiving your Centrelink payments for the last 90 days, we may be able to provide you with a small personal loan.

How do the repayments work?

We will set up a Direct Debit in line with your pay cycle. This way, the money will automatically leave your bank account without you needing to remember whether there is enough funds to cover your repayment. When the loan has been repaid, the direct debits will stop.

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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 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 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 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.