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

short term loans

Short term loans of $300 to $5,000 can be an excellent solution to a short-term cash flow problem. Most applicants have an outcome in roughly 60 minutes. Apply now!

Short term loans are pretty self-explanatory – they’re a small loan, up to $5,000, 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 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.

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

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 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. 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



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.

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 one 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 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!

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?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

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

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Short term loans up to $5,000. Fast outcomes. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Short term loans up to $5,000. Fast outcomes. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
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- james


How customers rate Nifty's Personal Loans

Short term loans up to $5,000. Fast outcomes. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans