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Fast Personal Loan

up to $5,000

or

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.

Looking for Personal Loans Australia? Nifty is the Local Lender You Can Trust

Loans Australia: Where can I get a quick loan? 

 

  • Apply online in minutes
  • Get an outcome in an hour or less
  • Once approved, have cash in your account in 60 seconds*, most of the time. 

Loans Australia

 

Online lenders may be the best bet when you’re scouting for quick personal loans in Australia. With many options on how you could use them, personal loans may be suitable to finance expenses that pop up unexpectedly. Depending on the loan amount, you may not need any collateral to secure your loan against. 

With Nifty Loans, you won’t have to wait for days to get an outcome on applications for cash loans in Australia and this has become a factor in our growing popularity to finance personal needs. Take a look at some of our reviews.

When you face an emergency or need some quick cash to overcome an unexpected obstacle, make sure you have a licenced Australian credit provider in your court, committed to giving you a fair go. We have made the application process simple to help fast-track your loan application and get you the cash you need when you need it. 

Regardless of whether you have good, bad or ugly credit, if you need loans Australia, you’re in the right place. Apply now and let us see if we can help you – it’s quick, convenient and won’t cost you a cent.  By the way, if you’re expecting a baby, you’ll want to check out our Expecting a Baby? Here’s Some Budgeting Tips to Help You Prepare article.

Where can I get personal loans Australia?

Looking for quick cash loans in Australia? Do you need a licensed, reliable and reputable lender offering fast personal loans? Let’s look at what options you have and where to find the best personal loans Australia has to offer. 

When you are looking for cash loans, you have a range of options in Australia. You have banks, private lenders, financial institutions and credit unions. However, each has its own eligibility criteria which you may want to check on individually. Conventional lenders, such as major banks, usually have stricter terms and conditions and these force borrowers to bear with a longer approval process defeating the purpose of quick cash to deal with an emergency. Whilst they may offer loans at lower interest rates, borrowers are often subject to delayed loan approval and disbursement processes that may not be suitable for many borrowers.

Credit unions could present a good and reliable option. They are not-for-profit financial organizations and offer personal loans to borrowers at a reasonable rate of interest. However, their membership and geographical limitations exclude many borrowers making them ineligible to apply for cash loans in Australia. 

However, if you’re after quick loans Australia, you may want to start with some of the latest breed of neo lenders who have emerged as an answer to the loan needs of modern consumers. Not only is the loan application process often easier, but borrowers can get loans paid out almost instantly, once approved. 

At Nifty Loans, we may be able to offer a loan regardless of your credit history. We can consider those receiving Centrelink payments and offer small loans of $300 right up to $5,000. 

How can I get a loan in Australia?

If you’re getting ready to apply for loans Australia, there are a few things you need to know.

  1. Have you checked that you meet the criteria for applying? 
  2. Do you have an active bank account with a few months of consistent income? 
  3. Once you have applied, Nifty Loans looks at what you make against what you spend to decide if you can afford to reasonably repay your loan. 
  4. If approved, we’ll send you a contract to e-sign.
  5. As soon as you sign your contract, your payment will be released and, if you have an NPP-enabled bank account, you could have cash in your account in 60 seconds. 

If you’re applying for a loan of $2,100 and above, you may need to secure your loan against an asset such as a car, bike, caravan or ute. To get started, scroll up and hit ‘apply now’. Remember, we can also help you find a car loan. Head over here to find out more about Nifty car loans. 

What can I use a loan for? 

Personal loans could be useful when you need funds to pay for a holiday, medical expenses, wedding or even paying off existing debt with a consolidation loan. There is almost no restriction on how you need to utilize the cash you loan, but you will need to let us know what the loan is for so that we can assess whether a loan is a suitable solution for you. 

You have the option of borrowing $300 and up to $5,000 in a matter of a few hours and repaying the loan over 6 to 24 months. Our cash loans in Australia are adored for their fast turnaround time compared to some credit lines extended by other lenders. 

However, everything starts with your eligibility, which varies from lender to lender. These loans are available to any Australian citizen or permanent resident above the age of 18. Some lenders are willing to consider certain visa holders subject to their discretion. Though a good credit rating adds to the strength of a borrower, there may be a minimum income requirement. Having a regular income from a job, business, profession or even Centrelink payments boosts your application approval chances. Read more about our loans, here

How does loan assessments work?

If you meet our eligibility criteria, select a loan amount that you feel you could repay every month comfortably. Remember, if your cash flow is not enough to support the monthly repayment, your loan request may be rejected. You may want to consider an extended repayment period but, your best bet is to apply and let us take a look at whether we could help you. 

Affordability is an important consideration for lenders when approving personal loans in Australia. If you can show regular income and a good income-expenditure ratio, you may have a better chance of loan approval. 

Depending on your income and credit rating, you may or may not need collateral. If you have a poor credit rating, you may want to consider attaching a form of security to improve your chances of getting a loan.

Where can I get fast loans in Australia?

Go for online lenders, such as Nifty Personal Loans, when you are in need of fast cash loans in Australia. Compared to the tedious processes adopted by banks in approving and processing loans, Nifty provides for a quick, easy and straightforward online application. You can apply from the comfort of your home and your application undergoes instant assessment if you apply during regular working hours. 

If our team needs any additional information such as proof of ownership of an asset attached as security on your loan, we will get in touch with you promptly. If your loan application is approved, you will receive an electronic contract on your email within minutes to review and sign. It will outline the loan terms and interest rates in explicit terms. Once you return the signed contract, the loan amount is immediately transferred to your given account within a few minutes*. 

At Nifty Loans, we’re able to offer instant payouts to consumers with NPP-enabled bank accounts. That means the money could be in your account in less than 60 seconds! 

*Only available for NPP enabled accounts

Nifty: Your local lender

With instant banking and full-scale online operations, convenient application procedure and ability to accept all credit histories, Nifty Personal Loans is fast becoming Australia’s go-to new-age national lender. 

Nifty offers personal loans for all needs – small or big. Contrary to the headache-inducing complex norms of traditional lenders, we provide no-fuss loans. You can get cash quickly and when you need it most. Any Australian Citizen or a Permanent Resident in the country can apply for cash loans online within a few minutes.

Above 70% of those requesting Nifty personal loans in Australia get an outcome immediately, while about 88% of applicants get cash within 60 seconds of agreeing to the borrowing contract. We also aim to stick to our 60-minute timeline for providing an outcome as to whether or not we think we can help.

Who can apply for a loan?

Anyone can apply for loans in Australia with Nifty, regardless of credit score. If you have a good credit score, you are eligible for a loan request. If you have a poor credit rating, you have the option of bad credit loans. The best thing is that Nifty does not look at credit ratings as the sole condition on which loans are approved or declined. 

We take into consideration a borrower’s relationship with money at the time of application in determining if we think they’ll be able to reasonably repay their loan without having any unnecessary financial pressure placed on them. If you are receiving Centrelink payments, you may be eligible for Nifty loans, as we can consider it as income provided you receive regular payments. 

At Nifty, we believe in making credit access simple and convenient. It has made the application process 100% online and loan disbursal super fast. There is no need for antiquated paperwork which can cause delays or complications. 

We care for our customers and aim to work with them to ensure their loans are paid off on time. Should you be unable to make a repayment, get in touch. We may be able to change your repayment dates or work with you to come up with a solution. 

Am I eligible to apply for a loan?

The primary objective of Nifty is to help anyone looking for personal loans in Australia. You can apply if you meet the following eligibility.

  • More than 18 years of age
  • Residing in Australia permanently or a citizen
  • Have a regular source of income
  • Have email and direct contact number

Apart from these, you are required to have the following information ready when applying for a Nifty loan.

  • Personal and Contact details
  • Internet banking details
  • MyGov details (if applicable)
  • Employment details
  • Basic outline of financial commitments e.g. rent and childcare.

Can I apply for a loan online?

Nifty cash loans in Australia can be applied for 100% online. You can apply from the comfort of your home using your laptop or smartphone. No paperwork, promise!

You’ll be able to get a rough outline of what your loan repayments might be by using our loan repayment calculator. Scroll up, choose a loan amount and select from weekly, fortnightly or monthly repayments, it will show the amount to be repaid as an instalment. 

Not only is the loan application done online, but we’ll also send you a digital copy of your loan contract which you can e-sign. This helps us offer faster processing of loan disbursement meaning money gets to you that much quicker. 

Will you check my credit score?

We will do a credit check as part of our assessment process, however, having a bad credit score may not stop you from being approved for a loan. We always take into account the bigger picture of your current financial position. Your income and expense habits matter too for any loan approval. Find out more about bad credit loans. 

When will I get my money?

Statistics show 88% of loan applicants have money in their account within 60 seconds of signing and submitting the electronic contract sent to them. Approximately 70% of those seeking Nifty Loans in Australia get an outcome in 60 minutes or less and where possible, we aim to stick to our 60-minute timeline for processing a loan request.

In all probability, you could get a Nifty Loan on the same day, provided you apply during regular working hours. Though the money is transferred to your account within 60 seconds of returning the signed contract, it may take time to reflect in your account subject to bank policies. 

How do repayments work?

The loan repayment procedure is simple. You can select weekly, fortnightly or monthly instalments. The money is automatically debited from the bank account you select during the application process so you won’t need to worry about manually making payments. In fact, the only thing you’ll need to do is make sure there are funds in your account on the days your debits are scheduled for. 

Want to pay your loan off early? No worries! We don’t charge early payout fees. Get in touch with us! 

Start your application today!

Loans in Australia can be quick and easy to apply for. If you need money today, scroll up and hit apply. Your loan could be in your account and ready to use instantly.*

*Only available for NPP enabled accounts

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

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:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.