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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Are you looking for a 5K loan? Just ask Nifty!

Are you looking for a 5K loan? Well, you might have just found the lender for the job. At Nifty, we offer personal loans between $300 and $10,000 for Aussies all over the country. Are you sick of waiting in line at the bank? Nifty is proud to be making it easier than ever for Aussies to get the cash they need without the hassle. 

5000 Loan

Where can I get a 5k loan?

When you apply for a 5K loan with Nifty you won’t even have to leave your living room. We’re 100% online, so you can apply wherever you like. Nifty’s application process is designed for Aussies on the move. 

What is a 5K loan? 

A 5K loan is just a personal loan up to the value of $5,000. A personal loan is an amount of cash that is lent to a borrower based on the agreement that the money will be repaid over a set period of time. There are a variety of different lenders on the market who might offer a 5K loan over 4 years, a 5K loan over 3 years, or even a 5K loan over 5 years. 

At Nifty, we offer 5K loans over a repayment period of up to 2 years. You can use the loan calculator at the top of the page to see what the weekly, fortnightly or monthly repayments on your desired loan amount could be.

How do I apply for a 5K loan?

Applying for a 5K loan with Nifty couldn’t be simpler! We have made the process as streamlined as possible. Here’s what you’ll need to do: 

Apply online 

Head to the top of this page and use the loan calculator to input your desired loan amount and the repayment period. 

Fill out the form 

You’ll then be directed to our 100% online application form. This could only take a few short minutes of your time. If you submit your application during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes. 

We assess your application 

Once the Nifty team receives your application our team will assess your application. We’ll do our best to match you with the best possible loan product for your individual circumstances as quickly as possible. 

Sign your agreement 

If our team has successfully matched you with an appropriate 5K loan we’ll get in touch and send over an agreement for you to review and sign. We recommend you read through your agreement carefully and make yourself aware of the terms and conditions of your loan. Get in touch with our team if you are unsure about anything. 

Get your cash 

Once our team receives a copy of your signed loan contract we’ll transfer your cash. Thanks to instant banking the cash could be in your account and ready to use in just 60 seconds.*

Can I get a 5K loan with bad credit?

At Nifty, we think you’re more than just a number. That’s why we don’t base our assessment solely on the result of a credit score check. As a part of our commitment to responsible lending we will conduct a credit score check, however, we will also look at other aspects of your current financial situation. Our team will assess your income, spending habits and pre-existing financial commitments to ensure a personal loan is the right financial decision. 

We do not want to provide 5K loans to people who can not afford to repay them. So, if you’ve been googling ‘get a 5k loan with bad credit’, ‘how to get a 5k loan with bad credit’ or ‘direct lender for 5K loans with bad credit’ we could help!  

What about Centrelink?

Yes, we can offer loans to people receiving Centrelink payments! Ultimately, it comes down to each individual situation. However, if you’re receiving regular payments from Centrelink in the form of a pension or other benefits scheme, we may consider this as an alternative income. If you’re still not sure whether you’d be eligible for a loan with us, we recommend you apply anyway. It doesn’t cost a cent to submit an application and that way you’ll at least get a definitive answer!

How much would a 5K loan cost?

Are you wondering what 5K loan repayments could be? We recommend you head to the top of the page and use our loan calculator to check out what a 5K loan could cost you. The Nifty loan calculator could show you what your weekly, fortnightly or monthly repayments could be. If you’d like a further breakdown of what a 5K loan could cost you we recommend you head to the Nifty costs page for more information. 

Who can apply?

Are you wondering who can apply for a 5K loan with Nifty? You’ll be pleased to know that we prefer to keep our application criteria as simple as possible. All applicants must:

  • Be an Australian citizen or permanent resident;
  • Be 18 years of age or above;
  • Have received a regular income into a personal bank account for at least the last 90 days prior;
  • Have a direct contact number and email address.

Pretty simple, isn’t it? If you can meet the criteria above then you’re more than welcome to scroll up and start an application right now.

Will I need to fill out any paperwork?

No! At Nifty, we don’t believe in paperwork. We won’t ask you to fill out any paper forms whatsoever. Our entire application process can be completed 100% online. All the documentation we require you to submit can also be done through Nifty’s online application form. Here is what we suggest you have handy: 

  • Your basic personal details (name, D.O.B etc);
  • Internet banking details (so we can securely access read-only copies of your bank statements);
  • The reason you are applying for your loan; 
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact in order to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

Will Nifty call my boss?

Only in some cases will the Nifty team will contact your employer when you apply for a 5K loan. There is no need to stress, this is usually a routine part of our assessment. Our team might contact your employer to verify some important details. You can rest assured, however, that none of your personal or private information will ever be disclosed to your employer – including the reason why you are applying for a 5K cash loan. If you’ve got questions regarding employment checks our team is happy to answer them! You can get in touch or head to our FAQ page for more information.

Responsible lending

Nifty Loans is proud to be a responsible lender. Wondering what that means? Responsible lending basically means doing the right thing by the consumer. At Nifty, we do not lend cash to people who we deem unable to repay their loan. Responsible lenders are required to:

Make reasonable inquiries about the consumer’s financial situation, and their requirements and objectives;
Take reasonable steps to verify the consumer’s financial situation;
Make an assessment to determine whether the contract is ‘not unsuitable’ for the consumer. 

Why do I need to provide online banking details?

Our team might ask you to provide online banking details as a form of identification and as a platform to assess your financial suitability for a 5K loan. At Nifty, we don’t base our entire assessments around the result of a credit score check. Our team uses your bank statements as a way of determining whether or not you will be able to afford a 5K loan. Worried about security? Nifty uses the latest in safe banking technology to encrypt all of your information. That means no one will ever be able to see your personal information or passwords. If you’d like to know more about this process our team are happy to answer your questions.

How can I improve my chances of getting approved?

If you want to reduce your chances of getting knocked back for a loan with Nifty, there are a few things you can do. Before you apply for any loan, it’s always best to step back and take a hard look at your finances. Since we consider applicants based on a variety of factors, there are a lot of ways you can improve your likelihood of getting a loan. In particular, we recommend you:

  1. Work on your credit – although we look beyond just your credit score, having a good credit history certainly won’t hurt your chances. You can improve your credit score by paying off debts and ensuring you’re on time with your existing repayments.
  2. Apply for a realistic amount – we won’t approve you for a loan we don’t believe you can afford, so don’t ask for more than you can handle!
  3. Make sure you have enough income – it doesn’t matter how you make your money, but we do want to see you’re getting a consistent form of income. To be eligible for a loan with Nifty you need to have received a regular income into a personal bank account for at least the last 90 days prior to your application. 

Ready to get started? 

If you’re ready to get started on a $5000 loan application then head to the top of the page. The best part is a loan application and assessment will cost you nothing. If you apply during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes. 

Want to read more?

Looking for something smaller than a 5K loan? We offer a range of different loan options to suit all kinds of situations. If you’re keen to read more from the Nifty team you can head to our blog or check out how to get a small same day loan here.

Are you doing the right amount of effective exercise?

Looking for a medical loan? Let Nifty lend a hand. 

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Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.