Small Personal Loans | Fast Loans from $500 to $10,000

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Fast Personal Loan

up to $5,000


Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

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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.

After a Small Personal Loan? Nifty is the Lender for the Job!

Have you been searching for a lender who could provide you with a small personal loan? Having trouble finding the right one? Well, look no further. Nifty could lend a hand and help you get the cash you’ve been looking for. Bad credit, no worries. Let Nifty take a look at the whole picture. We will see what we can do for you. Small personal loans are our speciality. So, sit back and relax while we do the hard work for you.

small personal loans

You might be surprised. Nifty could even provide you with a cosmetic surgery loan, a personal loan for bad credit, college loans for students, or even a loan for home improvement!

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 (during business hours) 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.

What Can I Use My Small Personal Loan For?

Small personal loans can be used for a variety of different expenses. Our experienced lending team is always here to help. So, if you have any questions you can shoot us a message at or give us a call on 1300471328.

Best Online Small Personal Loans For Holidays

Has finance been standing in the way of your holiday plans? It doesn’t have to any longer. We could have the best online small personal loan for your next holiday. Didn’t know you could use a small personal loan for holiday expenses? Well, you can.

Maybe your planning on taking the family to the beach for the school holidays. Or, maybe you’ve been dreaming of a big European adventure. Whatever you’ve been planning, make it happen with a small personal loan from Nifty.

There are no excuses. We are 100% online. That means you can apply right now. Our application form could only take you a few minutes to complete. We could even have an answer for you within 60 minutes (during business hours).

Fast Small Personal Loans For Car Repairs

If your car has broken down without warning then you probably know how inconvenient it can be. The hassle of trying to find a reliable mechanic, as well as the stress of finding the cash for the repairs, can take its toll. But, you don’t have to go it alone.

A fast small personal loan with Nifty could be the answer to your financial difficulties. Nifty understands how stressful stretching the budget to the very limited can be. If the credit card has taken a serious workout recently then you probably don’t even want to hear the quote for car repairs.

Before you panic, you could reach for your phone and apply for a fast small personal loan with Nifty. Not even bad credit needs to stand in your way. We guarantee all applicants a fair go. That means, if you apply we will do everything we can to find a loan product that suits your individual situation. You’ve got nothing to lose. Why not let Nifty see what we can do for you today!

Small Personal Loans Low-interest Rate For Weddings

Do you want our advice? Never use the word wedding – it seems using the word ‘wedding’ makes the price of everything quadruple. If you’ve been struggling to make your dream wedding a reality but the budget isn’t cooperating then a small personal loan low-interest rate might be for you.

Why compromise? Your big day only comes around once. No regrets. A small personal loan low-interest rate from Nifty could mean that you don’t have to compromise. At Nifty, we guarantee you a fair go. Regardless of your financial past, we prefer to focus on the future. If you have less-than-perfect credit, or you’re receiving Centrelink or a pension, apply and we’ll do our best to help. We have a fresh take on bad credit. Our team are always here to help and will do whatever they can to make your dream wedding a reality. So, when you need speedy outcomes on a loan, turn to Nifty!

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.

What Type Of Small Secured Personal Loans Can I Apply For?

At Nifty, we offer small, medium and large loans. Don’t know what that means? Well, we’ve made it super simple for you to apply for the loan you need.

Small Personal Loans

Nifty offers small personal loans for the value of $500 – $2,000. A small loan can be repaid over 12 months. At Nifty, our small loans are unsecured. That means we do not require equity to be attached to the loan application. How convenient is that? A small loan from Nifty could be ideal if you do not own a car, motorbike, boat or caravan.

Medium Loans

Medium loans can be taken out for cash between the values of $2,100 – $4,600. The repayment period for a medium loan is 9 to 24 months. At Nifty, medium loans are also unsecured. That means we do not require a car, motorbike, caravan or boat to be attached to your loan. Although it is not mandatory, in some cases we may recommend you do attach equity to your loan application.

Large Personal Loans

Large personal loans with Nifty can be taken out up to the value of $5,000 – $10,000. The repayment period for a large personal loan is also 9 to 24 months. You are not required to attach equity to a large loan, however, Nifty strongly recommends you do. We accept equity in the form of a car, caravan, motorbike or boat.

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.

Who Can Apply?

The application criteria to apply for a fast small personal loan with Nifty are fairly straight forward. 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.

We Help Aussies!

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

How Can I Apply?

It’s super simple and 100% online. The application could only take you a few minutes to complete and you could do it in the comfort of your own home. So, if you’ve been googling ‘best small personal loans’, ‘small secured personal loans’ or ‘fast small personal loans’, let Nifty get you the cash you need.

Step 1: To get started, just scroll up to find out loan calculator and select how much you wish to borrow and for how long. You will then be able to see what your weekly, fortnightly or monthly repayments could be. Once you’re happy, you can hit ‘apply now’ to start the application process.

Step 2: When you hit apply now you will be directed to our super-fast application form. We just need a few of your details then our team can start doing the hard work.

Step 3: Sit back and relax. Once you have completed the application form there is nothing more we need from you. Our team will take it from there. If we find a loan product to match your circumstance we will contact you immediately. If there is any more information we need, we will be in contact with you.

Step 4: If you are approved for a loan, the team at Nifty will send you your contract to review and electronically sign. Once we have this back we can send the funds straight to your account. You could even have the cash on the same day however, this is subject to business hours and interbank transfer times.

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!


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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.