Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts
Piggy Bank

Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts

Who Can Apply for Short Term Personal Loans?

Short Term Personal Loans

Short Term Personal Loans

Everyone requires short term personal loans from time to time, Bob the cleaner, Jenny the banker, Trevor who works in the mines and even Tracy the doctor. Yes, short term personal loans are for everyone, regardless of what job or status you hold. There comes a time in every person’s life when they need a quick hit of financial relief – that’s when we step in to help. 

Nifty looks at every application the same no matter where or who it comes from. As long as your application meets our criteria we are here to lend a helping hand (be an Australian resident, over 18 and have income regularly banked). Our short term personal loans are literally short term and tailored to suit your financial needs. 

Nifty little loans

At Nifty loans, our short term loan applications we aim to send you an outcome for your application within 60 minutes (when you apply during AEST business hours). Now that’s nifty! No matter who you are, when an unexpected or overdue bill pops up and you need to take care of it promptly. 

Can I get a payday loan? 

A common mistake people make these days is getting a short term personal loan and payday loans mixed up. To clear the air, the Department of the Treasury changed consumer credit legislation. They designed and implemented a consumer credit product referred to as a “Small Amount Credit Contract” as a means to assist individuals excluded from traditional lending products. That’s what the Nifty loan is – a Small Amount Credit Contract (or SACC) which is regulated by law. We are ready to help you with your finances!  

Honesty is our policy! 

With Nifty Loans, everything is in the open. No hidden fees.

We’ve also designed our repayment lengths to suit your pocket.

Basically, the longer a loan runs, the lower your weekly or fortnightly repayment amount but you end up paying a bit more over the life of the loan. The shorter it is, the higher your weekly or fortnightly repayment is but you end up paying a bit less over the life of the loan. We’ll find the perfect middle-ground for you, though. And we offer great service over the phone or via our website. Email us here for enquiries or get in touch with our team. 

What do I need when applying for a short term personal loans?

When applying for a short team loan with Nifty, we only require four simple things. Here’s a handy checklist for the absolute essentials you’ll need when applying for a short term loan: 

Contact details: To start off your short loan application, have your correct email address and active mobile number handy. You use both these communication channels to send you important information, so keep an eye out for us! 

A reason for your short term personal loans: When we assess your short term loan, we want as much information as possible. Therefore, we have to ask the reason for your short term loan, to properly assess your application. There’s no need to stress, Nifty can approve personal loans for a variety of different financial circumstances. We’ll do our best to match you with the perfect small short term personal loan product. 

Banking details: We utilise the latest in safe banking technology to access a read-only image of your bank account, including your bank statements. Bank statements allow our team to get a better idea of your individual circumstances. Providing these details could work in your favour if you’d like to apply for a bad credit personal loan.  

How do I apply for a short term & online personal cash loan? 

Now you know who can apply for Nifty short term personal loans, so here’s how to apply for one. There are four simple steps to follow to kickstart our speedy short terms loans application:

Step one: Apply online

We have designed a simple and easy short term loan application. Brew a cup of coffee whilst completing your quick short term personal loan application, and it could be done by the time you finish! Nifty’s short term loan application is 100% online, so simply jump on our website from the comfort of your living room and apply now!

Step two: speedy reply

No need to wait around for hours wondering if you are eligible for one of our loans. If you are eligible for a short term personal loan, then we will let you know if you qualify for a loan, before we begin to assess your application. 

Step three: No paperwork loans

Applying for a short term personal loan is absolutely paperwork free! Say goodbye to endless photocopying and mountains of paperwork, and say hello to hassle-free loans. Nifty personal loans are paper-free because we utilise the latest in safe banking technology to access your bank statements and spending habits. No need to worry about privacy, our system is safe and secure. We endeavour to make our system easy and user-friendly. Nifty is designed for Aussies on the go!  

Step four: Collect your moolah!

Once you are approved, our funds will be transferred directly to a nominated personal bank account. Instant banking is making it simpler than ever for Aussies to get their cash quickly. The money could be in your account and ready to use in 60 seconds* once approved. If your nominated bank does not support instant transfer, keep in mind that times will vary depending on the speed of your bank. You’ll receive your funds overnight at the very latest.

*NPP enabled bank accounts. 

For ultra-speed try our Nifty repayment calculator 

To accelerate your short term personal loans application, we have designed an easy-to-use repayment calculator. Our repayment calculator is located at the top of each Nifty loans webpage. Simply select how much you want to borrow and for how long, and it will display either your weekly, fortnightly or monthly repayments (you get to decide)! Once you are happy with the design of your loan, click ‘Apply Now’. From there you’ll be taken to our fast application. 

What are the costs associated with short term personal loans?

We are 100% transparent when it comes to cost. Our costs are not located in a tiny font at the bottom of our loan contract; they are on display to help decide whether you can afford repayments. Our short term personal loans range from $300 to $2,000. At Nifty, we understand that everyone is different and, therefore, every financial situation is different. 

This is why we assess every application on a case-by-case basis. Our team makes every effort to match you with the perfect personal loan for your individual circumstances. If you’d like to know more about what a quick short term personal loan could cost you we recommend you use the short term personal loan calculator at the top of the page. 

This will give you a good idea of what the weekly, fortnightly and monthly repayments could be on a short term unsecured personal loan. If you’d like a more in-depth breakdown of the costs associated with a short term personal loan you can head to the Nifty costs page.  

Reasons for a short term personal loan

There are a myriad of reasons to apply for a short term personal loan. Whatever you need a personal loan can (most likely) help you! Here is a handy list of ideas for short term personal loans: 

And the list could go on and on! 

  • Upgrading your old tech
  • Hiring a photographer for your upcoming wedding/ or event
  • Updating your interior decor (No, that lime green no longer works!)
  • Buying a new car to match your street cred

Nifty loans aim to provide short term personal loans to applicants who just need a financial pick-me-up, so apply today and see how we can make your finances shine brighter!

Nifty – we’re here to serve you. 

Want to find out if you have bad credit? Nifty has the details you need to know.

Want to find out if you have bad credit? Nifty has the details you need to know.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts:$300 - $2,000
Terms:6 - 9 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
View Example

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
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts:$2,001 - $4,600
Terms:9 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
View Example

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
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43
View Loan Details
* 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.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts:$300 - $2,000
Terms:6 - 9 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
View Example

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
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts:$2,001 - $4,600
Terms:9 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
View Example

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
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and 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.

We don’t stop there

No matter what the occasion is, Nifty has your back.