Smart Loans | Speedy Loans from $2,100 to $15,000 Online
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What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

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.

About Us: Nifty Loans

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.

What exactly are ‘smart 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.

Who is eligible to apply with Nifty for smart loans?

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:

  1. Be over 18 years old
  2. Be an Australian citizen or permanent resident
  3. Have a regular income in your personal bank account for at least 3 months
  4. 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.

What to have handy when you apply for a smart loan

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
Employment information

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.

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.

Why borrow a smart personal loan?

When you apply with Nifty, we require a reason for your loan, as we cannot approve an applicant without a valid reason for their loan. We think that’s smart, responsible lending. The list of possible reasons is almost endless, as long as our team deems it reasonable, we will likely be able to help. Here are a few popular reasons for applying for smart loans:


Looking to take the family on vacation or take advantage of a stellar sale and organise a trip with your mates? However, is that pile of bills on your bench putting you off? Don’t sweat it. Just apply for holiday loans to sort out your travel expenses. Holiday loans can help cover airfares, accommodation, car rental, or extra spending money. So, if you’re looking to take a trip, and need a bit of extra cash, apply with Nifty Loans!

Medical bills

If you or a family member suddenly falls ill, you can always apply for medical loans with Nifty Loans. When emergencies strike, you typically need a quick solution. And we also know that when it rains, it pours. So, you can apply with Nifty if medical bills become a problem.

Car rego

Car rego is that one thing you always forget about. And we know it. That’s why we offer car registration loans. You know when you design the perfect monthly budget, but then you get the dreaded rego bill and your budget is thrown out of whack? That’s when you can apply with Nifty Loans, for cash you need quickly. You can trust Nifty Loans to give you a fair go, no matter your credit score. So, if you’re after cash to cover your car repairs or car rego, just scroll up to find our loan calculator tool.

Renovation/relocation costs

Looking to spruce up your bathroom, but need a helping hand, cash-wise? You can apply with Nifty for renovation loans. Or if you’ve found your dream home but need a hand with moving costs, Nifty is right in your pocket. Just apply for relocation loans, and we’ll do our best to say ‘yes’.

Visit us anytime!

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.

Let’s be friends

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.

Want more of Nifty Loans? Great! Follow us on FacebookInstagramTwitter and Google + to keep up to date with the latest personal finance and latest events via our blog.

Ready to Apply?