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!

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!


Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

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

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

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

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

A great Company.

"A great company who have helped me out when no one else would even consider me for a loan and twice at that. I would not hesitate to recommend Nifty to anyone who asked about them."

- Glen Townsend


Types of loans