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.
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
SHORT TERM LOANS
Short Term Loans can be an excellent solution to a short term cash flow problem. Our short term loan terms vary depending on what you think you can fit into your budget. Most applicants have an outcome on their short term loan application in roughly 60 minutes.
At Nifty personal loans, we pride ourselves on being responsible short term loans providers. That means we would never lend you more than you could comfortably afford to repay. Other benefits when choosing our short term loans service? No messy paperwork! No hidden fees! No long wait times! No fine print!
Who is Nifty ?
We’re Nifty! A small short term loans provider here to better serve the needs of the Australian community. We lend small amounts ($100 – $1000) for small periods of time (9 weeks – 6 months), take a small amount of time to assess your needs and hardly any time at all to get those funds to you. We take care of you first. You won’t be disappointed. There are many short term loans lenders in Australia but few whose actions live up to their words. Ours do and that’s a promise. Put us to the test.
HOW TO QUALIFY FOR A NIFTY PERSONAL LOAN
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.
Responsible Lending – it’s a given
It’s not just about being compliant with legislation. Responsible lending goes further than that. It’s about a duty of care to you as a consumer to ensure that by approving a loan, we will not be putting you into a position of financial hardship with the loan repayments. It’s all about respect for you and understanding your unique situation. If we cannot approve your application, we’ll let you know and give clear reasons.
Responsible lending also encompasses the responsible handling of your personal data. Nifty employs the latest technology not only to make the application process comfortable but also to safeguard your data. We use an approved banking gateway which (through you) gives us access to your banking transactions (which we need in order to assess your financial position) but we never have direct access to your account. We could never find out your banking password and login details.
As long as you’re an Australian resident, over 18 years old and have regular banked income, you are welcome to apply for a Nifty loan providing you meet out basic eligibility criteria.
Making the process smooth for you
Smooth = allowing an even, uninterrupted movement or flow. Smooth is fast and hassle-free. Usually, you need the money fast. So, banks and other big lenders are just not agile enough – they’re too big and slow. Nifty will give you a result within 60 minutes most of the time.
How customer’s rate Nifty’s Short Term Loans?