Quick Easy Loans | $300 to $5,000 | Speedy Approval | Apply Online!

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.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

*Only available for NPP enabled bank accounts

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.

Searching Everywhere For Quick Easy Loans? We’ve Got Them!

Most things in life are complicated these days. That is especially true for budgeting and personal finances. And even if you do budget well, an unexpected bill might hit you halfway through the month and put extra stress on you. That’s what easy fast loans are for: When you need some extra cash to get you out of a sticky situation or to simply get short term relief from any financial pressure. So when you need quick easy loans, think Nifty Loans!

Quick Easy Loans

Our personal loans range between $300 and $5,000. They can be repaid in periods between 6 and 24 months, depending on the loan amount. We know things need to move quickly sometimes when you have to pay an unexpected medical bill or your car needs to be fixed. That’s why it takes only a few minutes to fill in the online application form and we should get back to you with an outcome in 60 minutes if you apply within our business hours.

What are quick easy loans?

Our quick easy loans really live up to their name. They are personal loans that are indeed quick and easy. At Nifty, we have simplified the application process to give you the best possible experience. Apply for your personal loan online and you may receive the outcome within just one hour (if you apply within AEST business hours). We won’t waste your time. Your online application will be assessed with the latest in safe banking technology to ensure that we get the full picture of your financial situation.

Modern technology has created new needs for quick fixes to improve people’s cash flow. We’ve got the solution. Most of us have found ourselves in a sticky financial situation at least once in our lifetime where a little extra cash would have made a big difference. That’s what quick easy loans are for. 

Who is Nifty Loans?

Let us introduce ourselves first. We are Nifty Loans, your online loan service provider. We believe in ethical lending processes and no fuss applications. We’ve stripped our application process down to the important facts because we know time is precious when you are short on money. Our fresh approach to lending money is what sets us apart from other lenders. We want to make sure that you get exactly what you need; quick easy loans without any unnecessary stress. 

Quick Easy Loans are Our Mission 

Money is power and we want to empower the everyday Aussie to take control of their finances. We want to provide you with the funds you need and we want to provide them quickly. Our application process is 100% online and no fuss.

We may be a lender but our approach is different from traditional lenders. We know every financial situation is different and therefore, assess every situation with that in mind. We provide personal loan solutions for people on Centrelink, people with bad credit, pensioners and a list of other scenarios. Because we want to provide fair access to personal finances for everyone who needs a short term solution for their financial struggles. 

We believe in ethical lending. We want to make sure that we don’t lend money to anyone who can’t afford the weekly, fortnightly or monthly repayments. It’s important to us that you know what you are signing up for: All fees will be made crystal clear in your loan contract, so there won’t be any nasty surprises. In the meantime, you can find any relevant information upfront on our website and even estimate your potential costs with a loan calculator. 

How Easy?Applications be completed in just minutes!
How Quick?Most assessments can be completed within 60 Minutes!
How Fast?If approved, have your funds in your account overnight, even instantly!

Who can apply for quick easy loans?

To apply for any quick easy loans, you need to meet a few requirements. These are: 

  • You have to be 18 years or older; 
  • You need an active mobile phone number and an email address, so we can contact you; 
  • You have to be an Australian citizen or permanent resident; 
  • You need a history of at least 3 months of regular income into your online banking account. 

How do I apply for quick easy loans?

If you fulfil the necessary requirements, you probably want to know how to apply. Applying for quick easy loans is exactly that: Quick and easy. It can only take you a few minutes to fill in your online application. But if you get stuck or have any questions during the process, our friendly customer service team is more than happy to assist you at any time.

Step 1: Prepare your application. 

You can make the application process even faster by preparing the required documents. Make sure that you have the login details for your online banking account on hand, together with your personal details such as name, address, date of birth and your phone number. 

Once you are ready, use the loan calculator at the top of this page to set the loan amount and see the estimated payment rate over different periods of time. Once you are happy with the result, you are ready to click “Apply Now”. 

Step 2: Fill in the online application. 

This part won’t take long. Simply follow the instructions on your screen and fill in your personal details. Once the application is complete, you can submit it and lean back while we assess your financial circumstances. 

Step 3: Assessing your finances. 

That’s when we start working hard. We will make sure to look at your finances from a number of different angles. Don’t worry, we may perform a credit check but any previous mistakes will stay where they should be – in the past. Instead, we mainly focus on your current situation and your ability to repay the loan. This part should be quick, you may receive your outcome in 60 minutes (if you apply during our business hours). However, we will get in touch if we need additional documents or to clear up anything in your application.

Step 4: Get your cash. 

If your loan is approved, we need you to review and sign the electronic loan contract and that’s it!. We will then transfer your cash to your nominated bank account.**

** Fund transfers are subject to interbank transfer times. If your bank account is NPP enabled, you could receive the funds in 60 seconds! If not, the latest you will receive the funds will be overnight. 

What quick easy loans do you offer?

We offer three different categories of personal loans: Small unsecured loans, medium secured loans and large secured loans. If you are looking for quick easy loans but you don’t know which one would be most suitable, we are here to help. Our friendly customer service team can answer any questions you may have. 

Small personal loans 

Our small personal loans range from $300 – $2,000 and can be repaid over a period of 6 – 9 months. They are unsecured loans, therefore, you won’t need to attach any assets to the application. 

Medium personal loans 

Medium personal loans can be repaid over 9 – 24 months range from $2,001 – $4,600. Any personal loans over $2,000 are secured loans. That means you need to attach collateral such as a car, boat or a motorbike to your application. 

Large personal loans 

Large personal loans are $5,000 and can be repaid over 9 – 24 months. Like medium personal loans, they are secured loans and collateral must be attached to your application. 

Why do you ask for my bank statements?

It is a necessary requirement by law to obtain the past 90 days of your most recent bank statements. We can use them for two things: Firstly, they are a form of identification and secondly, they provide a platform to assess your financial suitability. It’s important that our income and expenditure assessment is as accurate as possible, therefore, we may ask for additional bank statements from bank accounts you previously owned. We will never give a loan to someone who can’t comfortably afford the repayments. If you are concerned about your data, we can reassure you that we use the latest safe banking technology to access read-only copies of your bank statements and ensure fast results and keep your information safe. 

I’m receiving Centrelink, can I still get quick easy loans?

Receiving Government benefits is not a statement about your financial situation. We offer quick easy loans for people on Centrelink, therefore, we recommend you apply. It’s our mission to make financial help as accessible as possible to the average Australian. We will treat your Government benefits as a regular income. What we need to see is an online banking account with a 3 months-history (90 days) of regular payments. 

Do I need a vehicle to apply?

That depends on the loan you are applying for. Small loans are unsecured, so you don’t need to attach any assets to your application. It’s a different story when you apply for medium or large loans. They are both secured loans, so we might request a vehicle as security. By adding security, it’s a little less risky for us however it means being more lenient with incoming applications. If you add a vehicle as security to your application, please be aware that you have to be the registered owner of said vehicle or we won’t be able to accept it.  

Will you check my credit rating?

Yes, we will. But we promise it’s not the only thing we look at. We don’t necessarily think that a mistake you made up to 7 years ago should affect you financially today. We are much more interested in your current spending habits and your financial situation and our decision will be heavily influenced by that. There is a good chance that we can still offer you a loan as we also offer loans to people with bad credit.

The Nifty way of lending 

What’s so great about Nifty, you ask? We have a name to live up to! That’s why we offer quick and easy loans at a fair rate to give everyone a fair chance to financial support when it’s needed.  

Nifty is quick…

  • Our application process is so simple, that most people submit it within a few minutes. 
  • Our website and all our services are optimised for mobile devices.
  • You don’t have to head home first, you can apply from anywhere on your phone. 
  • You may know your outcome within 1 hour if you apply within our regular business hours. 

Nifty is easy… 

  • Our service is completely online based and available to you at any time. 
  • We are fully transparent – no hidden fees. You can find everything you need to know online. 
  • You can find a loan calculator at the top of this page that will tell you exactly what rate you would have to pay depending on different payment periods. 

Ready to get Nifty?

Nifty has a different approach to traditional lending, we want to give everyone a fair shot. 

Whether you’re on Centrelink or have bad credit, you are welcome to apply at Nifty. Our customers are important to us and we want to make sure that you get the best experience possible, every time. If you have any further questions, please contact our friendly customer service team. We are happy to help and answer any questions you may have. 

quick easy loans

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Loan Costs

Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan 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

$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

Medium Loan Example

Loan amount:$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

$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

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
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.

Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount:$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
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan 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

* 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.