Short term loans up to $5,000. Fast outcomes. Apply now!

short term loans

Short term loans up to $5,000. Nifty can help with that. After completing our easy online application, you could have a response within the hour. Find out more today!

Nifty Loans

Nifty is a small, neo-lender who is changing the lending game. Forget paperwork, queues or misleading fees. Nifty is committed to providing fast, responsible short term loans. We could even provide an urgent loan when you need cash fast!

How Do Short Term Loans Work?

Unlike a loan provided by a bank, short term loans usually have a repayment period of several months. You and your lender reach an agreement on how much you’re able to borrow, and the repayment terms. From there, a direct debit will usually be set up from your account.

Nifty offers short term small loans of up to $5,000, that can be repaid over a period of up to 24-months. The length of the repayment period along with the relatively small loan amount, give you plenty of breathing space when it comes to repayments.While we cannot offer any no credit check loans, we are committed to giving every loan application the fair assessment.

Why choose Nifty short term loans?

A better question to ask is, why not choose Nifty Loans?

We are one of the fastest growing, non-traditional lenders in Australia and we specialise in short term loans. In fact, we have some of the best short term loans Australia has to offer! Borrow money online with Nifty Loans.

There are lots of online lenders around, so what is it that makes Nifty Loans so much better than the rest? Well, for a start, we value all of our clients and take their needs seriously. We’re also able to look beyond the numbers and evaluate each applicant based on their individual circumstances.

Customer service is key to us – we believe that everyone deserves a fair go. If you choose one of Nifty’s short term loans, that’s just what you will get!

How to apply for short-term loans?

Applying for one of our short term loans online is super simple.

Simply click the APPLY NOW button at the top of the page and fill out the easy loan application.

You’re probably used to the long queues and waiting times that you have to deal with when applying for a loan with a traditional lender – not with Nifty Loans.

If you apply during our business hours, we’ll do our best to provide you with an outcome of your loan application within 60 minutes.

If our assessment team approves your application, we will transfer the money into your bank account. Access to funds is subject to inter-bank transfer times.

Now that’s a Nifty loan!

Have you been looking at so many short-term loans online that you can’t remember which is which?

There are so many different packages, fees and percentages that lenders plaster all over their websites, it’s totally understandable that people get confused.

Honestly, who wouldn’t be?

There’s no shame in needing help or wanting to ask questions. If you’re not quite sure about how our short term loans work, don’t worry. When you apply for a short term loan with Nifty Loans, you can ring our friendly customer service department and ask as many questions as you like! You’re also able to chat with them via email!

Our customer service department is based entirely in Australia and 100% made up of – wait for it – real people.

If you call during our business hours, we guarantee that you’ll speak to a real person.

Got a question outside of our business hours? No worries. Send us an email with your queries and we’ll get back to you the next business day.

That’s the Nifty Loans customer service guarantee!

Do I need any paperwork to apply for a Nifty short-term loan?

A big upside to Nifty’s short term loans is that there is absolutely no paperwork and in most cases they are same day loans!

There is just a handful of criteria you need to fulfil to be eligible for one of our short-term loans. You must be a permanent Australian resident over the age of 18, and you must be receiving a regular income into a bank account. As long as we can reach you on a mobile number and email address, that’s it!

If you meet all these requirements, congratulations – you are ready to apply for your Nifty short term loan!

What is the process of getting short-term loans with Nifty?

  • If you tick all the boxes of our eligibility criteria, then we can move onto the quick and easy online application process.
  • Submit Application online – this part usually takes most applicants just minutes to complete! You can fill it out while having your morning coffee if you want!
  • Get conditional approval – based on your personal details we will determine if one of our loans is suitable for you.
  • Supply supporting data – We utilise the latest and safest banking technology that will obtain 90 days of bank statements in seconds!
  • We assess your situation – As responsible lenders we want to make sure you can comfortably pay back one of our loan products. If you want to know more about Nifty’s policies, see how credit reporting policy.
  • Money transferred – After you have been approved the money will be transferred into your account

Nifty Short Term Loan Comparison

Nifty’s personal loans can be used for most personal expenses. Here’s an idea of how previous Nifty customers have used their loan:

Nifty LoanLoan TermLoan Amount
Car Registration Loans3 – 6 months$500
Rental Bond Loan3 – 9 months$1,500
Holiday Loans9 – 24 months$3,000
Wedding Loans9 to 24-months$5,000

Do you do short-term loans Australia no credit check?

Here at Nifty Loans, we believe your credit history is history. We’re willing to give you a second chance even if you’ve got bad credit.

We understand that sometimes life is unpredictable and unfortunate things can happen that you can’t control.

As a responsible lender we do credit checks as a matter of principle. If you’ve got bad credit, don’t worry! You can still apply for bad credit loans with us. We don’t generalise and we understand that every person’s situation is different.

Your credit history isn’t necessarily an accurate reflection of your current relationship with money. That’s why we assess every single application for short terms loans online on a case by case basis.

Although we do a credit check for all our loans, it’s not the only thing we look at. We consider a range of other factors to give you the fair go that you deserve!

Here at Nifty Loans, we take our reputation as a responsible and trustworthy lender very seriously.

When you take out one of Nifty’s short term loans online, you can be sure that we won’t spring any hidden fees on you. As part of being a responsible lender, we ensure that we only lend to customers when we know that they can afford one of our short term loans.

Can I get a short term loan if I’m on Centrelink?

If you’re looking for an up front payment, there are some opportunities that Centrelink recipients can use, such as the Centrelink cash advance.

If you’re looking for short-term loans online and you’re on Centrelink, then good news! You are also welcome to apply for loans for people on Centrelink with Nifty Personal Loans. We won’t reject your application for one of our short-term loans just because you’re on Centrelink.

Although we do consider most Centrelink payments as a form of income, they must be consistent and reliable.

So if you’re receiving a regular income from Centrelink into a personal bank account, you will be eligible for one of our short-term loans.

Apply now at the top of the page!

I’m looking for short-term business loans, do you do those?

Unfortunately, we don’t offer short-term business loans.

Nifty’s short-term loans are short loans of up to $5,000 designed for personal use. Short-term business loans are quick funds supplied to businesses by lenders to cover any unexpected costs, such as emergency repairs.

They might even be used to take advantage of a sudden opportunity that would be a lucrative long-term investment. Short-term business loans usually start at a minimum of $5,000.

Our loans are short term loans and need to be registered in an individual’s name, not on behalf of an entity or a business.

If you’re in the market for short-term business loans, you might have to look elsewhere.

Looking for short term loans bad credit?

Wondering if you can get one of our short-term loans even if you have bad credit?


At Nifty Loans, we understand that life can sometimes throw you a curveball; sometimes several at once!

Everyone has made mistakes in the past – you shouldn’t be punished just because you made mistakes with money. We’re big believers in second chances, and we’d love to give you that opportunity!

That is why we are willing to see past your past and toward a brighter future. Apply for one of our short-term loans online and let your credit history stay history.

Begin the next stage of your life by building a future positive relationship with Nifty, so we can help you get back on the road to financial security and happiness!

How do I repay my short term loan?

Just like our application process, we’ve made our repayment system super easy, just for you! No appointments or complex financial jargon involved!

When we approve your loan, we’ll agree on a day to make the repayments that work best for you. We’ll set up a direct debit for an agreed, constant amount that will come straight out of your account on those days.

You can set it for your payday if you’d like, so you’ll never have to worry about being caught of short of cash. You won’t even have to remember to pay a bill! Learn more about payday loans pitfalls.

What about when the repayment period ends? Well, we’ve got that covered too.

As soon as you’ve repaid your loan in full, the direct debits from your account will stop automatically. No need to book an appointment or make a call just to cancel.

Now that’s Nifty!

It’s our mission to make your Nifty experience a good one because we want you to be as happy with our customer service as we know you will be with our loans. If in the future you ever need another loan, we want you to feel comfortable apply for one of Nifty’s short-term loans again.

We already have hundreds of satisfied customers and we’d love for you to join our happy family!

The emphasis that we put on awesome customer service, happy customers and quick outcome loans is what makes us one of the best lenders around!

So what are you waiting for? Click the Apply Now button at the top of the page and start your journey to financial security and happiness with Nifty Personal 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

Amazing service helped me so much

"I can't believe how much you guys have helped me with my finances as I was short of funds. I can't say enough about the service you guys go out of your way to help people and I am so grateful I found you website will be recommending your service to everyone. Keep up the great service."

- Keti


Types of loans