short term loans of $300 to $4,600 can be an excellent solution to a short term cash flow problem. Most applicants have an outcome in roughly 60 minutes. Apply now!

How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

Short term loans, what are they really?

Short term loans, what are they really?

Short term loans are pretty self-explanatory – they’re a small loan, up to $4,600, that you can repay over a period of up to 24 months. They usually come with an upfront establishment fee and include a monthly fee that is added on to each repayment.

The repayment period along with the relatively small loan amount gives you plenty of breathing space to get on with your life. You can seal that deal you’re chasing or payout that nasty bill that’s causing drama in your life – the possibilities are endless!

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!

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 4 minute 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 provide you with an outcome of your loan application within 60 minutes.

Once our assessment team approves your application, we will transfer the money into your bank account quickly (depending on your bank).

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 to them on email!

Our customer service department is based entirely in Australia and 100% made up of – wait for it – real people. That’s right, no automated response machines!

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

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!

There are 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 4 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 – Unlike most lenders 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.
  • Money transferred upon approval – Once approved the money will be transferred into your account within 60 minutes.

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! 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 financial present. 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. There’s a stereotype about lenders preying on vulnerable people. It’s our mission to be the exact opposite about that.

Unfortunately there are still a lot of shady lenders out there offering short terms loans online with no credit checks and guaranteed approval.

Sound too good to be true? That’s because it is! These lenders often hide a multitude of nasty hiddens fees in the fine print of their loan contracts so they can take advantage of their clients.

These customers are often left with mountains of bills to pay that they can’t afford!

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?

You sure canupfront>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 welcome to apply for one with Nifty Personal Loans. We won’t reject your application for one of our short term loans just because your on Centrelink.

Although we do consider Centrelink payments as a form of income, they must be consistent and reliable. People receiving benefits such as Austudy or Newstart as their sole income are not eligible as these are considered temporary.

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 $4,600 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 your repayments that works 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!

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 instant approval 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?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

Nifty’s Short Term Loans?

Short term loans up to $4,600. Fast approval. Apply now! Overall rating: 4.8 out of 5 based on 20 reviews.

Quick personal loans

5 5 1
I was very happy with the service that I have received and I would recommend your service to family and friends It was extremely simple to apply and they were only a phone call away if i needed assistance. It was hard waiting to know if i was approved but it all went through within an afternoon.

Very helpful

5 5 1
I am very happy with the help and commutation Level between myself and Nifty Finance. Massive help in a sticky situation.

Fast Outcome

5 5 1
I was pretty surprised how quick it was - great serivce - thanks!

Customer service

5 5 1
I have used a few companys now, but have never had such good service, when i put my first application through they called me and explained why I was knocked back, it was because I was over comitted, when the loan finished I applied with Nifty, I was approved very quickly and for the same loan over the same amount of time the repayments were cheaper. It made my day


4 5 1
thankyou! i needed a quick easy loan for my car rego!


4 5 1
Nifty has been great to me they are a trusted lender and has always been able to help me out i would 100% recommend them to anyone who are looking to get a loan...Thank you Nifty you guys are AWESOME! ☺☺☺☺ Best loan company and the staff are always friendly!

Easy, fast and stress-free!!!

5 5 1
Every step of the process was easy, with fantastic support and plenty of helpful information along the way. Wonderful customer service, and super fast access to money once approved! Very happy customer, positive experience all round.

Great Service !

5 5 1
This is a perfect loan company for when you need that little bit of extra money to help you through the week and payments are easily affordable.

Friendly Service

5 5 1
I couldn't afford my repayments for a while as I was having a few personal issues - I spoke to Barry who provided me with a number of options and was really understanding and helpful- thanks Barry

Very fast outcome

5 5 1
Thank you so much nifty! Everything was very quick and simple to apply online and you responded to my apllication in a very fast and professional manner. Definitely recommend nifty!

Fast and prompt

5 5 1
Very fast process also once loan was paid off I got a txt I can borrow a little more and just to sign the contract now If I need it.


5 5 1
I think this is great. Never had an issue with Nifty and have used a few companies. Will be using Nifty again.

Great service

5 5 1
Great company and service. Recommend 100 %.

Highly recommend it !

5 5 1
Always great service from nifty, hassle free, quick, highly recommend it to my friends. Keep up the customer service guys.

Great easy application

5 5 1
Well layed out application quick easy and convenient


5 5 1
Helpful easy recommend to all 100% grateful.


5 5 1
So helpful Even with my credit rating, nifty helped me get through a tough time Thank you 🙂


5 5 1
Helped me out when I needed it perfect timing r excellent people to deal with so very helpful! If my time comes along again I certainly can't see why nifty could not help me!


4 5 1
They so good


5 5 1

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