Quick Loans from $300 to 5,000 at Nifty Personal Loans! Apply Now!

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.*

Tell me more!

*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.*

Tell me more!

*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.

Looking for Quick Loans? Read on!

quick loans - the Nifty Mission

The Nifty Mission.

In short, Nifty aims to provide quick loans to Australians in need of quick, accessible finance.

To empower every Australian in need of small amount credit with the ability to access our small personal quick loans.

To process loan applications swiftly and to the complete satisfaction of our customers.

To be open and frank about our fees and charges.

To provide second-to-none service.

Nifty exists for you. We don’t mind saying we’re a money lender. After all, that’s exactly what we do. Small, quick , affordable, short-term, bad credit, unsecured personal cash loans to every day Australians.

We offer all types of loans, including travel loans! So, if you’re thinking of a European adventure or a Fiji family holiday – think Nifty!

What is Nifty Loans

We are an online provider of small, medium and large personal loans. Small personal loans with Nifty are unsecured (meaning no security is needed). They’re short term, too.

We understand that speed is important to you. When a situation arises where you need to borrow money quickly, we get that and we deliver. Most applications receive an outcome within 60 minutes, during business hours. Whether it’s a bond loan or you need the money for any other unexpected event, Nifty’s online loans are quick and easy to apply for.

What are quick loans?

Quick loans are just really fast personal loans, starting at $300 and going up to $5,000. The repayment period depends on the amount you decide to borrow. You can apply for quick loans in just a few minutes. Simply fill out our quick application, click submit and you’re good to go! It’s that easy. That’s no fuss lending. We’re 100% online, so there’s no need to make a trip down to your local branch and wait in endless lines. Just apply in minutes, then our team will work quick smart to deliver a result within the hour (if you apply during business hours).

Who is eligible for quick loans

Before you apply for quick loans, make sure you tick off all the requirements.

To apply, you must:

  • Be over 18 years old
  • Be an Australia citizen or permanent resident
  • Have a regular income for at least 3 months in a personal account
  • Have an active mobile number and email address

That’s it! So, before you apply with Nifty, just make sure you check off all these requirements and you should have no troubles!

Responsible lending 

The Nifty team is committed to responsible lending. What does that mean? Basically, it means that we will never lend cash to someone who can not afford to make the repayments. At Nifty, we are proud to be making it easier than ever for Aussies to access safe and reliable loans online. Our team will always properly assess your individual financial situation before approving a quick cash loan. According to ASIC’s Code of Responsible Lending, all online lenders must:

  • Make reasonable inquiries about the consumer’s financial situation;
  • Take reasonable steps to verify the consumer’s financial situation;
  • Make a preliminary assessment of whether the credit contract is ‘not unsuitable’ for the consumer.

When you apply with Nifty, you are guaranteed that our lending team will not approve you for a cash loan that you can not repay. We take our commitment to responsible lending very seriously. If you’d like to read more you can visit the ASIC website or get in touch with our helpful team.      

How to apply with Nifty

Applying with Nifty loans is super easy. All you need to do is follow these three simple steps:

Step 1: You apply online

To apply online, simply scroll up and you’ll find our loan calculator. Simply select how much you wish to borrow and for how long. Then, you’ll see how much your repayments may be, and you can select whether you’d like to repay your loan weekly, fortnightly and monthly. Once you’re happy with your loan terms, click the Apply button. You’ll be taken to our application where you’ll need to add a few more details, then click Submit.

Step 2: We assess your application

After you submit your application, we’ll start working on it ASAP. Whilst we assess your application, keep an eye on your notifications because we’ll let you know if we need any more info. If an application is submitted outside of business hours, we’ll get to it first thing the following business day.

Step 3: Cash straight to your pocket

If your application is approved, we’ll send over an electronic contract to review and sign. If everything is completed within business hours, we’ll transfer the cash straight to your bank! Access to funds is subject to inter-bank transfer times.

The Nifty Difference

Nifty is a bit different, compared to traditional lenders.

We won’t treat you like a number or a liability like the more mainstream lenders. Whether you’re employed or get your income from Centrelink, you are welcomed by Nifty. We understand your wants and needs and our aim is to satisfy your requirements in the easiest and most efficient way possible. We want to establish a relationship with you so that you are comfortable dealing with us and communicating with us. We speak your language.

It can be stressful taking on debt. We can help you to overcome that with easy repayment terms.

When life throws up those challenges where fast cash today is critical, look no further than Nifty. You’ll never look back. We’ll do our best to offer you quick loans!

APPLY NOW!

looking for the best loans around? read on!

Looking for Quick Loans? Read on! Overall rating: ★★★★★ 4.6 based on 232 reviews
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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
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.