*During normal business hours.
Nifty Loans offers micro loans from $500 to $10,000 to customers in need of small loans.
Micro loans can be used to cover small expenses up to $10,000. Nifty Loans is one of the fastest-growing online lenders specialising in delivering fast cash loans.
Nifty Loans offers short term micro loans to eligible Australians in need of credit. You can use a micro loan to cover any micro expenses you are unable to reasonably manage without financial assistance; whether you need dental surgery or you have received an unexpected bill, a micro loan can be used to cover your costs.
Nifty Loans is a 100% online lender. We are micro loan providers that specialise in delivering fast online loans efficiently and effectively. If you need a loan, you may be able to utilise the financial services offered by Nifty Loans.
Micro loans are small personal loans from $500 to $10,000 to be used to cover personal expenses. We offer three types of personal loans: small loans, medium loans and large loans.
|Loan type||Loan amount||Security||Repayments|
|Small loan||$500 to $2,000||Unsecured||6 to 9 months|
|Medium loan||$2,100 to $4,600||Secured||9 to 24 months|
|Large loan||$5,000 to $10,000||Secured||9 to 24 months|
Our small loans are unsecured personal loans. Medium and large personal loans offered by Nifty Loans are secured. This means that an asset must be attached to the loan as security; this could be a car, motorbike or even caravan. If you would like more information about the fees and charges on our loans, please refer to our costs page.
Micro loans can be used to cover any personal expenses you cannot manage without financial support. We receive applications for micro loans from thousands of Australians every day and have aided thousands of people with short term micro loans. These are some of the reasons we have approved loan applications:
Applying for a micro loan is quick and easy with our online application form. Within just a few minutes you can submit your application; we will do our best to get back to you within 60-minutes*. We support instant transfers on approval, so you could have your cash ready to use within 60-seconds of approval**. Follow these simple steps to apply:
Step 1: Apply online
Step 2: We will process your application ASAP
Step 3: Our team will contact you to let you know the outcome of your application
Step 4: If approved, review and sign your contract
Step 5: Receive your cash
We require electronic copies of the following supporting documents to process your loan application. To ensure we can process your loan as fast as possible, please ensure you provide the following documents when you submit your application:
Nifty Loans is an online lender; this allows us to have more leniency in our credit lending requirements than traditional lenders like banks and credit unions. We provide bad credit personal loans to eligible borrowers that are in need of credit but have a poor credit history. We use current bank statements to conduct a thorough financial assessment to ensure that you can manage a loan. We are a financially inclusive lender and can provide loans to applicants that may not be able to secure a loan from a traditional lender. If we find that a borrower can manage their loan repayments, even if they have bad credit, we may be able to provide them with a same day loan.
We adhere to the responsible lending guidelines set by ASIC. We still conduct credit checks on every loan applicant; however, we are more lenient in our credit requirements, so we may be able to provide you with a personal loan even with bad credit.
You can apply to borrow any amount from $500 to $10,000 with Nifty’s micro loans. We will conduct a financial assessment to ensure you can manage your loan repayments. Your repayments will vary depending on how much you borrow.
We do not offer interest free loans; however, we offer competitive interest rates on our personal loans. We also do not offer interest loans; all of our loans accompany fees and charges that are clearly outlined to you.
We consider most forms of Centrelink income as regular income. If you have been receiving your government benefits and meet the rest of our eligibility criteria, we may be able to provide you with a loan for Centrelink customers.
*If you apply within our business hours
**If you have an NPP-enabled bank accountApply Now
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.Read More
$5,000 - $10,000
$2,001 - $4,600
$500 - $2,000
* 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.