Quick Loans up to $15,000 | Fast Outcomes & Instant Transfer
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.
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 $15,000 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 $15,000 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 on the same day* 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.