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Personal loans, made simple

If you’re wondering where to get a loan, then you’ve come to the right place. At Nifty, we are making it easier than ever for Aussies to get the fast cash they need without the hassle. You can apply for a Nifty loan 100% online, so all you need is an internet connection. Since we’re Australia wide, it doesn’t matter if you’ve been googling ‘where to get a money loan in Brisbane’ or ‘where to get a loan in Darwin’ – Nifty is always in your back pocket.

A woman sitting on her couch on a smart tablet drawing.

Where to get a loan in Australia

If you’re wondering ‘where can I go to get a loan?’ there are a few options to choose from. When it comes to personal loans, you could, just to name a few:

  • Apply with a bank;
  • Submit an application for a credit card;
  • Talk to a credit union about a loan; or,
  • Apply for a personal loan online.

Each of the options listed above has its pros and cons. Yet, if you’ve ever applied for credit with a traditional lender then you probably already know that it can be a lengthy process.

If you’re tired of waiting weeks for approval and even longer to receive your money then why not apply with Nifty. If you submit an application during AEST business hours a member of our team will do their best to get back to you with an outcome in just 60 minutes*. With the introduction of instant banking, you could even have the cash in your account and ready to use in 60 seconds** once approved. How about that for convenience!

Where can I go to get a personal loan with poor credit?

If you’re not sure where to get a loan with poor credit, there are many lenders that can provide finance options to people with bad credit. Ultimately, it differs between financial institutions, but most lenders will outline their policy on credit on their websites.

At Nifty, we don’t judge our applicants based solely on the result of a credit score check. Our team take a realistic approach to lending. We understand that everyone makes mistakes. A mark on your credit score from up to 7 years ago should not affect your chances at getting a personal loan today.

The Nifty team will look at your bank statements to get a better idea of your spending habits, income and pre-existing financial commitments. If we can see you have made a considerable effort to reconcile bad credit you could be eligible for a personal loan. So, stop googling ‘where to get a small personal loan with bad credit’ and apply with Nifty today!

Where is a good place to get a personal loan?

Nifty is the name Aussies trust when it comes to online lending. When you apply with Nifty, you can rest easy in the knowledge that you will always get a fair go. We don’t think it should be tricky to obtain a safe, reliable and fast personal loan. Our team work hard to make sure you get the cash you need when you need it.

We’ll cut straight to the chase. No long paper forms to fill out or queues to wait in – our application process is 100% online. It could only take you a few minutes to complete an application and the cash could be in your account much quicker than you think.

Can I trust Nifty?

If you’re not sure where to get a loan, it can be difficult to know who you trust. At Nifty we are proud to be a responsible lender. What does that mean? Essentially, it means that our team will always do the right thing by you. We conduct a thorough and fair assessment of all loan applications. The Nifty team will never approve you for an amount of cash that you will not be able to repay.

You can check out the code of responsible lending here.

Who can apply?

At Nifty, we keep our application as simple as possible so all Aussies get a fair go at a personal loan. Here’s what you’ll need to meet if you’d like to apply for a loan:

  • All applicants must be over the age of 18 and hold an Australian citizenship or permanent residency;
  • You must have received some type of regular income for the last 90 days into a bank account that is your own;
  • Applicants must have an active mobile phone number and email address that we can contact you on;
  • Use internet banking.

Got questions regarding application criteria? You can get in touch with the team or head to our FAQ page for more information.

Will I need to fill out any paperwork?

No! At Nifty, we don’t believe in paperwork – you won’t even need to provide us with paper copies of your bank statements. Our 100% online application form could only take you a few minutes to complete. Here’s what we recommend you have handy:

  • Personal details like your online banking & employment info;
  • An active email address and mobile number;
  • The reason you are applying for the loan;
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer and contact details.

Why does Nifty need my online banking information?

That’s a good question! At Nifty, we ask our applicants to provide online banking information so we can access read-only copies of bank statements. Our team use bank statements to get a better idea of your current financial situation. We’ll assess factors like income, spending habits and pre-existing financial commitments to ensure a personal loan is an appropriate financial decision. There’s no need to be concerned when it comes to security. At Nifty, we use the latest in safe banking technology to ensure your information is always encrypted. That means no Nifty staff will ever be able to see your personal information or passwords.

Will Nifty call my boss?

Only sometimes. As we’ve mentioned, Nifty is a responsible lender. That means we abide strictly by the code of responsible lending. Our team will conduct an employment check, with the utmost professionalism, if we are unable to otherwise confirm your employment. None of your personal information will ever be disclosed to your employer – this includes the reason why you are applying for a personal loan. If you’ve got questions regarding Nifty’s employment check procedure you can get in touch with the team today.

Our promise to customers

At Nifty, we are dedicated to providing the best possible customer service to every single applicant. We know that without you, there is no us. Our team are down to earth and friendly. We understand that when you’re in a pickle and need fast cash, there is no time to waste. We won’t beat around the bush. If the Nifty team have been able to successfully match you with an appropriate loan product we’ll get in touch straight away. If we haven’t been able to approve you for a loan, we’ll let you know. We believe in 100% transparency when it comes to online lending.

So, if you’re not sure where to get a loan – give us a go! It’s free to apply and we could have an outcome for you in under 60 minutes*.


Find out more

Still have questions? Our customer service team are here to support you throughout the life of your personal loan. If you don’t think you will be able to make a repayment our team encourage you to get in touch and if possible we will make alternative arrangements. At Nifty, we’re all about making your life a little less stressful!

*When you apply within AEST business hours.

**Only available for NPP-enabled bank accounts.

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