Smart Loans | Speedy Loans from $500 to $10,000 Online

No fuss.
Just nifty loans.

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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.

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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.

Are You Looking for Smart Loans?

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 $500 to $5,000, 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 $500 to $5,000, all loans over $2,000 must be secured by equity, such as a car, motorbike, boat or caravan. So, whether you’re after a small, medium or large smart loan, just apply with Nifty – it only takes a few minutes! So, when you’re looking for a fast cash loan online, turn to Nifty!

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, whether you’re receiving Centrelink or have bad credit – 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.

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 call 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 within the hour, 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.

Questions we get a lot

When it comes to online lending, it’s fair enough 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 or you’re receiving Centrelink payments. So, for your interest, 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.

Do we offer smart loans for people on Centrelink?

Yes, we can offer personal loans for people on Centrelink! We can even offer fast cash loans for unemployed people who receive Centrelink or loans for single parents on Centrelink. Whatever your relationship with Centrelink, you can apply with Nifty Loans and we’ll do our best to help. How you may ask? Well, as part of our lending policy, we can consider most Centrelink payments as a regular income if you’ve been receiving them for at least 3 months. So, if you receive Centrelink and are sick of being knocked back for the cash you need, apply with Nifty Loans today. Just scroll up – it only takes a few minutes!

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 little loans:


Looking to take the fam 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 Facebook, Instagram, Twitter and Google + also keep up to date with the latest personal finance and latest events via our blog.


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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 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 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 Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 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.