Small Loans | Small Cash Loans Online up to $2,000
Need a small loan?

Searching for a small financial pick-me-up? Sometimes, we all need a hand with our small expenses. From unexpected bills causing you stress to a pot-hole wrecking a tire, sometimes we need a quick cash fix to get back on track. Thankfully, Nifty Loans is here to lend a hand when you need it. We offer quick small loans up to $10,000 that you can apply for anywhere, any time, 100% online.

Why choose Nifty for small loans?

Nifty Loans is an online specialist. Being one of the fastest-growing small online lenders, it’s safe to say we’re pretty good at what we do. We offer small cash loans up to $10,000 for everyday Aussies, with a flexible repayment schedule of up to 24 months. We’re fast – we typically process our loans within 60-minutes* and provide instant transfers on approval. So, you could have your cash in your bank account in just 60-seconds**. Now, that’s pretty nifty.

Ready to apply?

Our eligibility criteria:
  • Be at least 18-years of age
  • Be an Australian citizen or permanent resident
  • Have Internet banking set up
  • Have an active mobile number and email address
  • Have been receiving regular income for the past 90-days
Documents you’ll need:

So that we can process your loan application, please ensure you provide us with the following information:

  • Personal info
  • Contact information
  • The reason for your loan
  • Internet banking and employment details

Our Happy Customers

What can I use a small loan for?

What’s better than quick outcomes and an easy online application? Well, you can use your small loan for a;,pst just about anything! If you’ve been thinking about some small renovations or a new fridge, you can use a small loan to cover your costs.

White Goods

White goods could be anything from a washing machine to a new fridge. Often, these items are pretty expensive, and you can’t really live without them.

Car repairs

Got into a car accident? Sometimes, you can be left with a pretty hefty bill, even with car insurance. If you need to get back on the road again soon, you could consider a small loan.

Renovation costs

If it’s time for a home refresh, you could use a small loan for home renovations. Whether you want to repaint an old paint job, buy some new flooring from Bunnings, or replace your countertop, Nifty can help out.

Travel or holiday costs

If a holiday is long overdue, you can use a small loan to cover your costs. So, you don’t need to put off a getaway any longer.

Personal Loan Calculator
I want to borrow $5,000
Paid back over 12 months
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The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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.

Frequently Asked Questions

What are small personal loans?

A small loan is a personal loan that can be used for any amount up to $2,000. Nifty’s personal loans range from $2,500 to $10,000, so you can apply for any loan amount in this range to cover your personal expenses. If approved, you could have your cash in just 60-seconds**.

How do you process loan applications?

Our state-of-the-art loan processing engine allows us to process our loans quickly and easily, 100% online. We’ll look at a few things to assess your application, including your bank statements, to ensure you can reasonably manage your repayment amount.

Once you have submitted your application, the Nifty team gets to work on assessing it. If you apply during our business hours, you could receive an outcome in as little as 60-minutes*. If your application is approved, we will send you a loan contract for you to sign. Once approved, we provide instant transfers on approval**.

When will I know if my application is approved?

In most cases, loan applications submitted during our business hours will be assessed within 60-minutes*. If you apply outside our office hours, our team will look at it first thing on the next business day. Our aim is to provide our small same day loans to make finance more accessible to everyone!

When will I receive my loan?

After you have accepted the loan contract, we will process your loan transfer. Most of our customers receive their funds within 60-seconds** of signing their contract. However, this will depend on whether you have an NPP-enabled bank account (which is 90% of bank accounts).

Do you offer small loans for bad credit?

Yes, we do. We have provided thousands of Aussies with bad credit loans, because we focus more on your current financial situation than your past. We do conduct a credit check, due to responsible lending obligations, but we are inclusive lenders. So, we’ll give you a fair go, no matter your credit score.

What are the fees and charges on your small loans?

We don’t do hidden fees. Any fees that are applicable to your loan application will be outlined to you on your loan contract. In addition, we can provide you with a credit guide with all of the potential fees and charges.

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.