- Market leading customer service
- 60-Second Transfers once approved3
- Fast Loan Outcomes1
- Simple & Easy Application
We're now becoming part of the award winning Jacaranda Finance group.
Here's what you can expect:
Want to know something Nifty? You can apply for smart loans online in minutes and get a direct loan straight to your bank account. Pretty Nifty right? Well, that’s Nifty Loans. We’re an online lender, with a difference. We care about your time and certainly don’t want to waste any of it. That’s why we offer cash loans today from $2,100 to $15,000, and the repayment period will depend on how much you choose to borrow. So, if you’re looking for a direct loan, we know exactly where you could find it. But before we dive into the nitty-gritty of personal loans, we’d better introduce ourselves.
We are a small online lender that’s ready to say ‘yes’ to your loan application and get you the cash you need, quickly. Nifty Loans offers smart loans from $2,100 to $15,000. So, whether you’re after a small, medium or large smart loan, just apply with Nifty – it only takes a few minutes!
Not only do we offer quick cash loans that will save you tons of time, but we also have a fresh take on bad credit. When we assess your application, we look at more than just your credit score. We also look at your current relationship with money. So, if you’re looking for a smart take on quick loans then apply with Nifty Loans.
Smart loans are simply personal loans, without all the fuss. Nifty Loans offer no-fuss lending and we apply the latest in secure technology to fast-track the application process. At Nifty Loans, you can apply for smart loans Australia in minutes. All you really need is an internet connection and a couple of minutes (and a cozy cuppa doesn’t hurt) to complete an application for quick loans. You could even be eligible for an instant cash loan online with Nifty!
You can get fast loans by simply applying with Nifty Loans! All our personal loans are smart loans because our team works quick-smart to deliver quick outcomes and quality service. So, if you’re after some quick cash and want it fast, then just scroll up to get started now.
At Nifty Loans, we’re here for all Aussies – we want to do our best to help. However, we do have a few requirements to meet before you can apply for quick loans.
To apply, you must:
- Be over 18 years old
- Be an Australian citizen or permanent resident
- Have a regular income in your personal bank account for at least 3 months
- Have an active mobile number and email address
That’s it! So, before you apply, just tick off all these requirements and you’ll be ready to complete your quick application.
When you apply for super speedy loans, all you really need is a spare few minutes of your time and an internet connection, but it doesn’t hurt to have a few details by your side.
To help you complete your application, have these details handy:
|Contact details (Mob. Email)
|Reason for the loan
|Internet baking details
That’s it! Just have these details handy and you should breeze through your application. If you have any questions about why we ask for sensitive details like employment info and internet banking, don’t hesitate to contact the team via our Contact page.
Nifty is a team that cares
At Nifty Loans, we think quality customer service is pretty important. So, even though you can’t meet our team, you’ll find them just behind your screen. We have a trusted team that is ready to handle your enquiry or put your mind at ease. Some may think that fast smart loans would mean cutting down on customer service, but our team is ready to help. So, whether you’d prefer to send off a quick email or give us a call, you know that the Nifty team is right in your pocket, ready to help.
How to apply for smart financial loans?
We think applying for loans is pretty easy, in fact, you can work through our smart loan service in three simple steps!
Step 1: You apply online
To get started with your application, just scroll up and have a play with our loan calculator. Firstly, select how much you wish to borrow and for how long. Then, you’ll see a calculation of your possible repayments, either weekly, fortnightly or monthly. Once you are happy with your proposed loan term, click the Apply button and you’ll be taken straight to an application. Once you complete all of the required steps, click submit!
Step 2: We assess your application
After you submit your application, our team will get straight to work. Using smart systems, our team do their best to deliver an outcome on the same day, if you apply during normal business hours. Whilst we do all the legwork, all you need to do is get back to what you do best. We’ll contact you if we need any extra info to assess your application.
Step 3: Cash straight to your pocket
If we approve your application, we’ll let you know straight away. Then we’ll send you over an electronic contract to review and send back. No need to print it out! Remember, with Nifty, you’re applying for loans online. Once we receive your signed contract, we transfer your new cash straight to your pocket! Of course, access to funds is dependent on inter-bank transfer times.
That’s it! Just three simple steps and you’ve applied for quick loans! With Nifty, you can have an answer to your loan enquiry in hours, not days. We know that time is money and we don’t want to waste any of yours. So, to get started, just scroll up to apply for fast loans.
Frequently asked questions
When it comes to online lending, it’s fair enough that you have a lot of questions. It’s a relatively new way to borrow money, and there’s a lot to consider, especially if you have bad credit. So, for your benefit, here are a few answers to our most frequently asked questions.
Do we perform credit checks?
The short answer is yes, we do perform credit checks, as part of our responsible lending policy. However, don’t let that deter you from applying for quick loans. We may conduct credit checks, however, we have a fresh take on bad credit. When we assess your application, we look at more than just your credit score. We also consider your current relationship with money, such as your income and expenses. So, if you have less-than-perfect credit, apply with Nifty Loans for a smart take on bad credit.
Can we provide fast bad credit loans?
Yes! We can certainly provide loans for people with bad credit. When you apply with Nifty Loans, get ready for a fresh take on bad credit. As part of our lending philosophy, we don’t think that your credit score tells the whole story of your financial situation. If you’re searching for quick cash loans with less-than-perfect credit, then you may be used to rejection. Well, at Nifty, we want your story to be different.
We don’t automatically reject customers with bad credit. That wouldn’t be smart. We know there’s more to the story, so we dig deeper. So, if looking for a smart loan for people with no credit history, then turn to Nifty for a fresh take on bad credit applicants.
Nifty Loans is 100% online for your convenience, so you can apply for quick loans around the clock. Of course, our loan specialists need their beauty sleep, so if you apply outside business hours, they’ll get your application by the next business day.
You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.