Small Loans | Small Cash Loans Online from $2,100 to $4,600
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.
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 $15,000 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 $15,000 for everyday Aussies, with a flexible repayment schedule of up to 24 months. We’re fast – we typically process our loans on the same day* 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 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.

Frequently Asked Questions

What are small personal loans?

Loans range from $2,100 to $15,000, 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 on the same day*. 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 on the same day*. 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.