Small Loans | $300 - $10,000 | Speedy Outcomes | Apply Today!

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Fast Personal Loan

up to $5,000


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

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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 up to $10,000. Apply Now!

Small loans for small hurdles

At Nifty Loans, we are determined to help Aussies with small loans and quick outcomes. We assess every applicant on an individual basis and aim to give everyone a fair go when applying for loans. The best of all – apply during our business hours and we may be able to provide you with a one hour loan when you need cash fast! Our application process is fast, easy and 100% online. So, when you need quick cash loans, think Nifty! 

Small Loans

What’s the best way to get a loan?

Nifty can help give you a boost to improve your cash-flow or help you secure that awesome deal. If you apply during our business hours you may be able to get a one hour loan when you need cash fast. Skip the paper forms and trips to the bank. With Nifty, you can apply for small loans online. Nifty specialises in providing speedy loans online. We’ll assess each and every application individually and can guarantee every applicant will get a fair go at applying for the money they need. 

We want to empower every Aussie who is in need of financial services with easy access to a simple loan application. We’ve made borrowing easy, so you have time to do what you do best.

What are small loans?

Microloans or small loans are personal loan amounts between $300 – $2,000 and usually repaid over 6 to 12 -months. Our small fast loans are customizable and flexible. To begin your application, simply propose your own repayment terms by using the repayment calculator at the top of the page, once that’s done, click apply! With Nifty Loans, you are in the driver’s seat. We give you flexible options, so you can see what suits you.

What are Nifty’s loan types?

Nifty offers smaller loans from $300 to $2,000, with a repayment period between 6 to 9 months. Our medium loans are secured, meaning you have to provide an asset as collateral. Medium loans range from $2,001 to $4,600 and have a repayment period of 9 to 24 months. Large loans are up to $10,000 and are also secured. 

Nifty’s personal loan can be used for a variety of expenses and must be stated in your application. Regardless of what you want to spend your loan on, Nifty aims to help you out. 

Nifty loans could be the solution when you need access to cash loans, fast. You may be thinking, “but I need money now!” Well, don’t fret, our application can be completed within minutes and, once received, our loan specialists will aim to have an answer within 60-minutes (during business hours). Our loan process is 100% online, so you can apply anytime anywhere. If approved, your cash will be on its way to your nominated bank account. Nifty, huh? 

To summarise, Nifty offers: 

Loan TypeSecured OptionsLoan amountLoan term
Small Bad Credit LoanUnsecured$300 to $2,0009 to 12 months
Medium Cash LoanCan be Secured$2,001 to $4,6009 to 24 months
Large Personal LoanSecured$5,000 o $10,0009 to 24 months

Top 6 uses for small loans through Nifty

If you’re looking for finance but don’t know where to start, why not try Nifty? We can offer small loans to cover almost any expense. Don’t believe us? Take a look at the 6 most common uses for small loans with Nifty: 

  • Larger than normal bills: Been hit with roaming charges while overseas, or just gone over your plan in general? Want to just get it paid? We get it! That’s why many people do choose to take a loan for larger than normal bills.
  • Urgent Car repairs: We all dread it. That moment when we turn the key only for nothing to happen. When you need to get your car back on the road ASAP, people turn to Nifty. 
  • Unexpected medical expenses: While we are fortunate to live in a country where many of our health care expenses are either paid for or subsidised by the government, we do sometimes find ourselves in need of unexpected medical expenses.  
  • Impromptu Holidays: One of your friends decided to go to Fiji and elope? It happens! And when it does you won’t want to miss out, so a fast loan may be what you need!
  • White goods: Picture this. It’s the middle of a hot summer. You have all the family over. You open the fridge and notice the light isn’t turning on. Not only that, but your food also isn’t cold anymore. Sometimes, the food in your fridge might cost more than a new fridge itself! In these cases, a white goods loan is something people turn to.
  • Furniture: Had to move at short notice, but need some furniture? No one likes living in an empty house. So if it’s a furniture loan you need, Nifty is there to help!

These are just some common uses, so the list goes on. If you have any queries regarding what we can and can’t accept as a loan purpose, feel free to contact our friendly customer service team.

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Here's a Nifty question!

What was your last unexpected expense?

We’re different – we’re the experts

At Nifty Loans, we want to reach all Australians that are having financial difficulties. We want to make your experience borrowing from us as seamless as possible. Therefore, we use the latest technology to efficiently assess your application and give you the fastest outcome we possibly can. 

We can help give you a boost to improve your cash-flow and sort out some of those pesky bills and unexpected expenses. When it comes to small cash loans, Nifty Loans is your one-stop-shop! We offer a quick application, fast approval and easy repayments. It’s borrowing made simple.

Can I get loans with bad credit?

If you have bad credit or worried about your credit score, you may find yourself Googling ‘small loans no credit check’ – we get it. That’s why we look at more than just your credit score when assessing your application. If you need a service that is hassle-free and has zero paperwork, then we’ll do our best to help you. We understand that things can happen that affect your credit score. Therefore, we take a deeper look into your finances and assess your application based on your current relationship with money. 

When we assess your loan application, we look at your past and present finances, including your income and expenses. So, if you have bad credit – no worries! We do perform credit checks but don’t let that deter you from applying for small fast loans. 

Moreover, we are not like traditional lenders. We won’t determine your eligibility solely on your credit score or credit history. You can always apply for loans with Nifty! We encourage you to apply for the loan you need, and we’ll do our best to help. 

What loans for people on Centrelink are there?

At Nifty Loans, we understand that life sometimes doesn’t always work out as planned and you may need a helping hand to get you back on track.

When you apply with Nifty, we take a realistic look at your finances. If you’re receiving Centrelink payments, we can definitely assess your application. Our team will conduct a thorough and fair assessment to determine whether or not a personal loan is the right option for you. In fact, we could look at your Centrelink benefits as a form of income if you receive it regularly and into a personal bank account. 

Unfortunately, without conducting an assessment we can not give a direct ‘yes’ or ‘no’ answer as to approval. That being said, you can be guaranteed that Nifty will do their very best to match you with a loan product that is right for your individual circumstances. 

With us, you can always apply for bad credit loans and Centrelink loans

Do you do credit checks on your loan applications?

Yes, we do credit checks on loan applications! However, here at Nifty, we understand that life doesn’t always go to plan and sometimes unfortunate situations happen. We know that those situations shouldn’t define the rest of your financial life. So, if you meet our minimum requirements we can look beyond bad credit, and take a look at your current relationship with money.

What about loans for the unemployed?

At Nifty, we take our commitment to responsible lending practices very seriously. Therefore, if you’re not receiving a regular income, we cannot approve your application. However, as stated above, if you are receiving accepted Centrelink payments for at least 3-months, then we may be able to help! So, if you’re in need of financial pick-me-up chances are we can help, even if you have bad credit or receive Centrelink.

Loans for pensioners

Reached that coveted golden age of life and now you can finally relax! However, finances may still prove to be a struggle, even after a lifetime of work. That’s where Nifty comes in.

So, whether you want to take a cruise around the Whitsundays or take a trip to see the grandkids, look no further than small personal loans to help boost your funds.

As long as you have a regular income we are more than happy to consider an application from a pensioner. 

Being a responsible lender, it is our duty to ensure that any approved applicant can reasonably pay off the loan without any undue financial stress. So, if we conclude you cannot repay the loan, then we cannot approve your application. The Nifty team will, however, do their very best to get you the best possible outcome.

So apply today for a hassle-free loan experience, and submit an application without attaching pesky zero paperwork. We pull all the info we need to assess your application, electrically!

Nifty’s responsible lending practice

Nifty is proud to be a responsible lender. What does that mean? We adhere to responsible lenders practices, which means we will conduct a thorough yet fair assessment of your loan application. At Nifty, we want to see how you are going to repay your loan and if you can afford the repayments. Further, we want to make sure you can comfortably pay back one of our loan products.

How do I get a small loan fast?

We are very proud of our fast applications. If you want to give your application an extra boost, we can help! Before you begin your application, have this information handy and we promise you’ll be done in a jiffy:

  • Name, address and date of birth;
  • Reason for your loan;
  • Bank account details;
  • My Gov details (if applicable).

Furthermore, before beginning your application, you’ll need to check off our minimum requirements list, make sure you;

  • Are over 18-years old;
  • Australian Citizen or Permanent Resident;
  • Are receiving a regular income into a personal bank account for at least the last 90-days;
  • Have an active mobile number and email address are required

And that’s it! Just 4 little requirements – nothing major! Once you’ve checked off all these requirements you’re ready to apply for small unsecured loans.

How do I get a small personal loan?

Start your search for a fast personal loan by submitting our quick application. To apply for the loan you need, simply follow these 3 easy steps:

Step One: Submit An Online Application

To begin your application, find our loan calculator located at the top of each Nifty Loans webpage. Select how much you wish to borrow and for how long. Then, choose how often you would like to make repayments over; either weekly, fortnightly or monthly. Once you are happy with your loan terms, click the ‘Apply’ button to finish off the application.

Step Two: We Assess Your Application

During the application, we utilise the latest and safest banking technology to obtain read-only copies of your bank statements in seconds! With this information, our team conducts a thorough income and expenditure assessment to ensure you are able to afford the loan. Once this step has been completed, you will hear from us via SMS and email.

Step Three: Receive Your Funds!

If you are approved and you have reviewed and signed the contract, we’ll transfer your funds. The best part? If you have an NPP-enabled bank account you can receive your money within 60-seconds of signing your contract*! 

Additionally, fund processing times are subject to interbank transfer times. The latest you may receive your money is overnight

No hidden costs!

If your application is approved, all costs will be outlined in your contract. That’s why it’s important to have a good read through your contract before you sign it. To see some examples of our basic costs, head to the bottom of this page. Depending on what type of loan you apply for, other fees and charges may be payable. If you miss a repayment or default on your contract you may be charged additional fees. 

Further, if you are not clear on the fees and charges associated with your loan, please get in contact with our team of loan experts. They’re happy to answer any questions you may have.

How do repayments work?

Here at Nifty Loans, we like to make life as easy and simple as we can and it’s no different when it comes to repayments.

Your payments will be automatically deducted from your nominated bank account via either direct debit or manually transferred on agreed terms. If you wish, we can arrange these deductions so they are in line with your pay schedule. Once the loan is paid out the direct debits will automatically stop. It can’t get any simpler than that! The only thing you need to worry about is ensuring the funds are available in your account on your repayment day.

If you have trouble with your repayments or you can’t afford a repayment, make sure to get in touch with our friendly customer service team 24 hours in advance. We are more than happy to help you out. 

Committed To Quality Service

We’re always on hand during normal business hours to assist with any enquiry. Here at Nifty Loans, we believe we have some of the best lending services around. We are 100% online, so you can have a chat with us from the comfort of your living room! Say goodbye to long meetings with your bank manager and say hello to quick and easy conversations that get results.

Our specialist loan team is always on hand to help with any enquiry you have about your current or future loans. However, our loan specialists have to sleep, so if you apply or have an enquiry outside of AEST business hours, then we will get back to you first thing on the next business day.

Outstanding service is what the Nifty team strives for. We rank customer service very high on our priority list because we want you to feel comfortable with Nifty and happy to use our services if the need arises again.

Apply Today!

Need loans, bad credit loans or maybe a large loan up to $5,000? Apply now! It will take you less time than making a cup of coffee and you can do it from anywhere, anytime. 

Our personal loan application is lightning quick, you’ll be given a fair go and our repayments are automatic and affordable.

Have more questions? Head over to MoneySmart, to discover more info about personal loans.

Let’s be friends!

If you have unanswered questions about our service, you can head to the FAQs page and see if the answer is waiting for you.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Are you in need of fast payday loans now? Click here for more info!

Get on top of your finances with this Nifty guide. 

*Only available for NPP-enabled bank accounts

Apply Now

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

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment 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)
Establishment 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
Establishment 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.