Quick Loans up to $10,000 | Fast Outcomes & Instant Transfer
Need quick cash?

Had a health emergency? Gotten into a car accident? Have you been faced with unexpected bills? Whatever your situation may be, we can all agree financial emergencies can be expensive, and unpredictable. So, when you find yourself struggling with an emergency expense, Nifty’s quick loans could help. Our quick personal loans are 100% online, paperless, and fast — all the things you want to hear when you’re in need of cash, quick.

Get the best loan for your needs

We are one of Australia’s fastest-growing small online lenders. We service quick and easy online loans up to $10,000 for everyday Aussies with repayment periods up to 24 months. Our dedicated loan specialists work with hundreds of Aussies each and every day to identify the best loan for their needs.

How to apply for a quick loan

Apply for a Nifty loan in three simple steps:

  1. Complete your loan application;
  2. Our team assesses your application and gives you a quick outcome;
  3. If approved, receive your cash.
Am I eligible for a quick loan?
  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have had a consistent income for the last 90 days
  • Have internet banking
  • Have an active email address and mobile phone number
What documentation do I need?

One of the great things about applying with Nifty Loans is our loan application is 100% online and paperwork-free. All you need is:

  • Personal details (name, address, D.O.B.)
  • 100 points of ID
  • The reason for your loan
  • Internet banking details
  • Employment details and contact info

Our Happy Customers

We don’t stop there

Frequently Asked Questions

What are quick loans?

Quick loans are just that, quick! In a nutshell, they are personal loans where you can borrow up to $10,000 and have the money sent to you as quickly as possible. The repayment period on these types of loans depends on the amount you borrow, but won’t typically exceed 24 months.

Nifty specialises in quick loans. Our online application usually takes people just minutes to complete. From there, you could get your outcome in 60 minutes* and have your cash in your account within 60 seconds** of signing your contract.

What can I use quick loans for?

While we know quick cash loans can be the great solution to a financial emergency, some people don’t realise they can be used for other purposes. In fact, there’s a wide range of reasons you might qualify for a personal loan, including:

  • Car repairs
  • Debt consolidation
  • Home improvements
  • Holidays
  • Dental bills
  • Car registration
  • Wedding expenses
What are the fees and charges?

Before entering into a loan agreement, you can obtain a credit guide which outlines all the fees and charges applicable to your personal loan. Some fees and charges you might expect include interest charges, monthly fees, establishment fees, and late fees (if applicable).

Can I get quick loans with bad credit?

Yes! At Nifty, we believe having a bad credit score doesn’t tell us your whole story. We focus on the bigger picture by looking at your current relationship with money. We use copies of your bank statements as a part of our financial assessment. As a result, we’ve provided thousands of Aussies with bad credit loans.

Will you check my credit score?

As a responsible lender, we must make reasonable enquiries to ensure the suitability of a loan for our customers. In line with this, we may conduct a credit check. However, don’t let that deter you from applying for our quick loans with bad credit. We aim to give every Aussie a fair go.

Do you offer quick cash loans for Centrelink customers?

If you receive Centrelink payments, we might be able to provide you with a loan given you meet our eligibility criteria and affordability assessment. Our team will immediately assess your application and do their best to determine whether you’re eligible for one of our loans. So, while this doesn’t mean you’re guaranteed to get a loan, we can guarantee you’ll be given a fair assessment.

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.