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s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Nifty does quick $2,000 unsecured loans approved in 60 minutes – no credit check up to $400 – no paperwork – no hassle. Apply online 24/7!

How much cash do you want?
How long do you want it for?
Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
  • you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).

Want an unsecured personal loan without the hassle – Apply online with Nifty!

Have you had an unexpected bill come up and are now struggling to find a trustworthy short-term loan lender? One that doesn’t require endless paper work or weeks to approve.
Well – you’ve found us! Nifty Personal Loans.

Looking for Unsecured Loans?

Nifty Personal Loans is Australia’s fastest growing short-term loan lender, offering quick unsecured loans between $100 and $2,000 repayable over 3 to 6 months.

Our loan service is 100% online – which means goodbye to endless paperwork and tracking down years of paper bank statements. Hooray!

Therefore, Nifty Personal Loans can approve unsecured loans up to $2,000 using only a 2-3 minute application, 90 days of bank statements and a Centrelink income statement if you have one. That’s it!

What is an unsecured personal loan?

Okay – let’s break it down. Firstly, a unsecured loan is an exchange of money for the promise of future repayment. This future repayment is usually calculated from the original loan amount (principal) + agreed fees and charges.

Secondly, what makes an unsecured cash loan, is simply that has been approved based on the customers’ ability to repay the loan, rather than by holding property or possessions against it.

What this means for you – is that a Nifty Unsecured Loan will only ever cost you exactly what you agree in your contract. Better yet, we will never ask for your property at any stage of the process. Guaranteed!

Need your unsecured personal loan approved fast?

No worries! Here are a few helpful tips to get your cash to you ASAP.

  1. Fill out our quick online application thoroughly and as accurately as possible.
  2. Return any documentation we request as soon as you can.
  3. Ensure your bank account details are correct for easy payment
  4. Apply during business hours – 8am to 6pm Monday to Friday and 8am or 12 midday on Saturday.
  5. Then just keep your phone handy – so we can reach you via email or text

Importantly – if you need help – get in touch! We want you to feel confident with your loan application so every question is worth asking.

What if I have bad credit – or am on Centrelink?

Luckily you found Nifty Personal Loans! Because we understand that bad credit history isn’t what you wanted, we believe it shouldn’t dictate the rest of your life. At Nifty, if your current financial situation is sound, then to us you are a good investment!

Likewise, if you are on Centrelink payments. As long as you are receiving regular Centrelink payments and are asking for unsecured loans that will not require more than 20% of your income – we can often approve a loan for you.

So Apply Now!

No hassle unsecured loans. You can apply online 24/7 and have your loan approved in as little as 60 minutes.

Get you the cash you need today – Don’t wait!

Who is Nifty ?

We’re Nifty! A small amount credit provider here to better serve the needs of the Australian community. We lend small amounts $100 – $2,000 for small periods of time (9 weeks – 6 months), take a small amount of time to assess your needs and hardly any time at all to get those funds to you. We take care of you first. You won’t be disappointed. There are many small amount lenders in Australia but few whose actions live up to their words. Ours do and that’s a promise. Put us to the test.

TO QUALIFY FOR A NIFTY PERSONAL LOAN – YOU ARE:

At least 18 years of age.

An Australian Citizen or Permanent Resident.

A recipient of a regular income into a personal bank account.

Receiving at least $400 per week or $800 per fortnight from an employer or Centrelink.

MAKING THE PROCESS SMOOTH FOR YOU

Smooth = allowing an even, uninterrupted movement or flow. Fast and hassle-free. Usually, you need the money fast. So, banks and other big lenders are just not agile enough – they’re too big and slow. Nifty will give you a result within 60 minutes most of the time.

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $100 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 9 weeks to Maximum 24 weeks.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

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Loan Amounts: Minimum $2001 to Maximum $4,000.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 12 months to Maximum 18 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty’s Unsecured Personal Loan?

ul Overall rating: 5 out of 5 based on 3 reviews.

Fast Unsecured Loans

★★★★★
5 5 1
Excellent people at Nifty happy to help out a single mum in need. Thanks Nifty For helping my little family though a small hurdle ,

Quick Unsecured Loans

★★★★★
5 5 1
Great service to those who cant get a loan, quick response an great contact skills. Id recommend this service to people out there that cant get loans.

Fast Unsecured Personal Loan Approval!

★★★★★
5 5 1
Nifty is the Best! They give you a fair go regardless of previous mistakes. Always gives you reminders of when repayments are due.
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unsecured loans