Small Personal Loans | Fast Loans from $2,500 to $10,000
Get To Know Nifty Loans

Nifty has helped heaps of Aussies get the cash they need. Small personal loans are what we do best. Regardless of your situation, we give all our applicants a fair go at approval.

We are 100% online. That means wherever you are and whatever you are doing, you can apply for a loan with Nifty. And, the good news is, once you have submitted your application we could have an answer for you within 60 minutes*. You could even have the cash in your account by the end of the day, however, this is subject to when we receive your signed contract back and interbank transfer times.

Nifty understands how stressful money struggles can be. When you’re in a time of crisis, money is the last thing you want to worry about. We believe all Aussies deserve a fair go. That’s why we take a realistic look at your finances. You could even apply for a loan if your credit score is less than fantastic. Yes, we could provide small personal loans to people with bad credit.

Why Trust Us?

That’s an excellent question. We believe in transparency. That means we will always tell you the truth, no matter what. We will not guarantee approval for every applicant, however, we will guarantee all of our applicants a fair go. At Nifty, we pride ourselves on our ability to provide exactly what we promise. Making life easier for our customers is what we do best.

If you have bad credit, you may find it harder to apply for the finance you need. Our experienced team prefers to look at your current relationship with money, rather than just your credit score. We like to look to the future. At Nifty, our team will do everything they can to find a loan product that will suit your lifestyle.

Nifty is all about responsible lending. That means we will never loan you an amount of cash we do not believe you are capable of repaying. As we have mentioned, what you see is what you get. Nifty is a lender with a difference. Unlike traditional lending avenues – such as the big banks – you can trust us to give you the consideration you deserve.

Lenders who can provide a trustworthy service are hard to come by. At Nifty, we guarantee you will not come across any hidden fees or charges. We will always be upfront. Any extra charges you may incur will always be clearly outlined in your agreement.

Does Nifty Do Small Personal Loans For Bad Credit?

The simple answer is yes. We can provide applicants who have poor credit scores with a loan. At Nifty, we don’t think that a less than perfect credit score should hold you back. We can’t promise that we won’t conduct a credit check. However, we can guarantee that credit only makes up part of the whole picture.

At Nifty, we prefer to look at your current relationship with money. That’s why we may access read-only copies of your bank account. There is no need to stress. When we say ‘your bank account’, we don’t mean your real bank account – just your bank statements. This is just so we can get a closer look at your spending habits and major deposits in order to get a better idea of the whole picture. We use the latest in safe banking technology to ensure your information is encrypted.

Who Can Apply?

The application criteria to apply for a fast small personal loan with Nifty are fairly straightforward. Before you apply, just tick off these basic requirements:

  1. You must be at least 18 years of age
  2. You must be an Australian Citizen or Permanent Resident
  3. Have an internet banking account
  4. Received a steady income for the last 3 months into a bank account of your own
  5. You have an active email address and mobile phone number
What You Need To Apply

If you want to make the process even easier than it already is, then we recommend having these things with you when you apply:

  • Your personal info (name, D.O.B, address – the basic stuff)
  • Your online banking details (so we can have a look at read-only copies of your bank statements)
  • MyGov login details (if you receive Centrelink payments or Government benefits)
  • You will be asked to provide the reason why you are applying for a loan
  • Employment info

We make it pretty simple – and that’s how we like it. We only deal with the essentials. So, whether you’re applying for a very small personal loan, small secured personal loan or small personal loans low-interest rate – you can be guaranteed the process will be quick and easy. We are 100% online – so, you could even apply right now on your smartphone.

Verifying Your Employment

As part of the small personal loans for bad credit approval procedure, one of our well-trained lenders may get in touch with your workplace to verify your employment status. This is just a procedure. Our staff will never disclose any of your private information or the reason why you are applying for a loan. Nifty is bound by a strict privacy and confidentiality agreement. If you have any questions as to these procedures we encourage you to get in touch at or call 1300 471 328.

We Help Aussies!

We’ve helped so many Aussies with the cash they need. Take a look at loans we approved based on people’s search terms.

Search Terms Amount Approved
Instant Cash Online AUD ($)900
Bad Credit Loans Online AUD ($)2,500
Cash Loans For Car Repairs AUD ($)5,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Ready to Apply?

Then, just scroll up and get started with our loan calculator. It’s simple, fast and 100% online. So, what are you waiting for? You could get a small personal loan from Nifty right now. Apply today wherever you are and whatever you are doing. We’re here to help!