1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Nifty short term loans can be an excellent solution to a short term cash flow problem. Most applicants have an outcome in roughly 60 minutes.



Need some fast finance? We're here to help.

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

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
  • you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).

Short term loans, what are they really?

The definition of short term loans is a small loan usually between $50 to $1,000.
It usually comes with an upfront establishment fee as well as a monthly fee.

They are usually a minimum of 9 weeks to 24 weeks which gives you plenty of breathing space to get that deal your chasing or pay out that nasty bill that’s causing drama in your life!

Why choose Nifty short term loans?

Why not choose Nifty is more the question!

We are one of the leaders in short term loans Australia.

Customer service is key to us, we believe everyone deserves a fair go and with Nifty that’s just what you will get!

How to apply for short term loans?

Fill out our easy 4 minute loan application and we’ll provide you with an outcome of your loan application within 60 minutes (during normal business hours). Once your application has been approved we will then transfer the loan amount into your bank account. 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?

It is understandable that you would get confused with all the different packages and fees and percentages that lenders have on their websites.

Who wouldn’t!

That’s why here at Nifty when you apply for a short term loan with us you can ring our friendly customer service department (located in Australia) and ask as many questions as you like!

Do I need any paperwork to apply for a Nifty Short Term Loan?

There are a few things you will need to be eligible for a Nifty’s short term loan, these can be found at the bottom of the page.

If you have met all the below requirements, then congratulations you are ready to apply for your Nifty short term loan!

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

Once you have all those boxes’ ticked then we can move onto the easy 4 min online application process!

  1. Submit Application online – this part usually takes most applicants 4 minutes to complete!
  2. Get conditionally approved – based on your personal details we will determine if one of our loans is suitable for you.
  3. Supply supporting data – Unlike most lenders we utilise the latest and safest banking technology that will obtain 90 days of bank statements in seconds!
  4. We assess your situation – As responsible lenders we want to make sure you can comfortably pay back one of our loan products.
  5. Money transferred upon approval – Once approved the money will be transferred into your account within 60 minutes.

Short term loans no credit check !

Do we do credit checks on our short term loans applications?

NO! Here at Nifty we believe your credit history is history, so we do not do credit checks on your short term loan application!

We understand that sometimes life is unpredictable and things and situations can just happen.

We still meet all our checks with responsible lending and only lend to customers when we know that they can afford one of our short term loans.

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

No, unfortunately we don’t.

Our loans are short term personal loans and need to be in an individual’s name not an entity or business name.

Short term loans bad credit:

Can I get one of your Nifty short term loans even if I have had bad credit?

Absolutely!

At Nifty we understand that life can sometimes throw you a curve ball and sometimes several at once!

That is why we are willing to see past your past and toward your future positive relationship with Nifty to get you where you need to be.

How do I repay my short term loan?

That couldn’t be easier!

Nifty will set up a direct debit straight from your account so you won’t have to even remember to pay a bill!

It will be for an agreed amount across the term of your loan.

Once your loan is paid back it will stop automatically!

Now that’s Nifty!

We want your Nifty experience to be a good one because we want your return business! So we have a huge emphasis on awesome customer service, happy customers and instant approval loans! What are you waiting for? jump online now and start your journey to success with Nifty. Apply Now!

HOW TO QUALIFY FOR NIFTY SHORT TERM LOANS

You are at least 18 years of age.

You are an Australian Citizen or Permanent Resident.

Receive a regular income into a personal bank account.

Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.

How customer’s rate Nifty’s Short Term Loans?

Short term loans, No credit checks, Fast approval Overall rating: 4.7 out of 5 based on 13 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

Ms

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

BEST LOAN COMPANY!

★★★★☆
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!

BEST LOAN COMPANY!

★★★★☆
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!

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.

Nifty

★★★★★
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 %.
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Short Term Loans