Nifty does quick $4,600 unsecured loans approved in 60 minutes – no credit check as basis for approval – no paperwork – no hassle. Apply online 24/7!

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

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

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

Want unsecured loans without the hassle of a never-ending line at the bank or endless meetings with bank managers? Well, thank goodness you found Nifty Loans.

Had an unexpected bill come up and are now struggling to find a trustworthy short-term loan lender? One that doesn’t require endless paperwork or weeks to approve. Well – you’ve found us! Nifty Loans. Apply online right now via our website! It’s that easy.

Nifty Loans is a loan service that wants to cultivate a positive environment for unsecured personal loans. Sometimes life doesn’t go according to plan and you need an emergency Plan B, or even Plan C. That’s us! A backup plan should be fast and easy. That’s why our unsecured loans application only takes 4 minutes to complete and you’ll have an outcome within 60 minutes. Nifty Loans is not just quick, we are lightning quick.

who is nifty?

We’re Nifty Loans! A small amount credit provider here to better serve the needs of the Australian community. We lend small amounts $300 – $2,000 for small periods of time (up to 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 and you won’t be disappointed. There are many small amount lenders in Australia, but with fast applications paired with responsible lending; Nifty Loans is something special.

Need more than $2,000? We can help you, too! Take a look at our secured personal loans for $2,001 – $4,600 right here!

looking for unsecured loans?

Nifty Personal Loans is Australia’s fastest growing short-term loan lender, offering quick unsecured loans between $300 and $2,000 repayable over up to 6 months. Our loan service is 100% online – which means goodbye to endless paperwork and tracking down years of paper bank statements. Hooray!

Firstly, you may be thinking what are unsecured loans? Well, wonder no longer! Unsecured loans are loans that are not secured by equity. Typically, unsecured loans are small loans, borrowed over a short period of time.

Nifty Loans offers unsecured loans starting at $300 up to $2,000. You can take out an unsecured loan from 3 to 6 months.

Therefore, Nifty Personal Loans can approve unsecured loans up to $2,000 using only a 4-minute application, and the combined effort of our cracked team of loan specialists.

Close up: unsecured personal loan

Okay – let’s break it down. Firstly, unsecured loans 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 upon in your contract. Better yet, we will never ask for your property at any stage of the process. Guaranteed!

An unsecured personal loan means less risk for you! With a secured personal loan, you must provide security to ‘secure’ the loan, such as a motorbike, caravan, boat or car. Unsecured personal loans are the perfect fix for a pesky financial situation.

need your unsecured personal loan approved fast?

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

  • Fill out our quick online application thoroughly and as accurately as possible.
  • Return any documentation we request as soon as you can.
  • Ensure your bank account details are correct for easy payment
  • Apply during business hours – 8 am to 6 pm Monday to Friday and 8 am or 12 midday on Saturday.
  • 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.
  • Before applying, check the requirement list

Before applying for an unsecured personal loan, there are a few requirements to tick off. We set all these requirements because we adhere to responsible lending practices.

  • You must be over 18 years old
  • Be an Australian Citizen or have a Permanent Resident
  • You must be receiving a regular income into a personal account for the last 90 days
  • Have an active mobile number and email address

Once you’ve checked off all the requirements, then you’re ready to apply for unsecured personal loans!

How to apply for unsecured personal loans

Applying for unsecured personal loans is easy and fast. We have designed our system to be user-friendly for all our applicants! To give your application speed a slight boost, follow these 4 steps:

Step One: Apply Online

To kickstart your online unsecured personal loans application, use our loan calculator located at the top of each Nifty webpage. Firstly, select how much you wish to borrow and for how long. Then select how often you would like to make your repayments; either weekly, fortnightly or monthly.

Now you’ve arrived at our quick online application. It will only take you 4 minutes to complete! So, brew a cup of coffee and it will be the perfect strength once you finish. You can complete our application anywhere. Our unsecured loans application is 100% online, so if you’re a jet-setter or an office worker, you can complete application no matter where you are. Nifty Loans are always with you.

Step Two: Conditional Approval

Once you have submitted your unsecured loans application, Nifty Loans will send a conditional approve if you meet our minimum requirements. If you receive a conditional approval, good job! You’re on your way to an unsecured loan. However, whilst your playing Candy Crush, keep a keen eye on your texts and emails, as we may need additional information to assess your application.

Step three: Assessing your application

We aim for a 60-minute turnaround on your unsecured loans application. However, time may vary depending on whether your application requires extra supporting documents. Whilst we assess your application, we are adhering to responsible lending practices. Furthermore, you can be sure Nifty Loans has your best interest at the core of our assessment process.

Collect your Moolah!

You’re approved! If you receive the good news, your funds are probably already on their way. We transfer your moolah straight to your nominated personal bank account. Times may vary depending on the speed of your bank.

If you’re not approved this time, don’t fret, you may simply need more time to build up a regular income. So, don’t be afraid to try again down the track.

No hidden costs

At Nifty Loans, we believe that 100% honesty is key to any successful relationship, especially a professional relationship. So, that’s why we are transparent about all our unsecured personal loan costs. You can find all our unsecured loans costs anywhere on our website, however here they are again, in case you missed them:

  • For unsecured personal loans: borrow from $300 up to $2,000. Unsecured loans do not security. If you wish to borrow over $2,000, then you must provide a motorbike, caravan, boat or car as security.
  • Establishment fee: Once-off fee of 20% of the principal
  • Ongoing fee: Each month we will charge your account 4 – 12% of your principal
  • Missed repayment fee: Unfortunately, if you fail to make your repayments, we will charge your account $27.50

And that’s it. Just three little costs. You won’t have any nasty surprises hidden at the bottom of your unsecured loan account. When you work with Nifty Loans, we are upfront about all our loan costs.

Do we cater to people with bad credit?

Luckily you found Nifty 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 Loans, if your current financial situation is sound, then to us you are a good investment! We offer bad credit unsecured personal loans with very fast approval for all Australians.

Nifty Loans does perform credit checks, however, don’t let that deter you from applying for an unsecured personal loan. We perform credit checks because we adhere to responsible lending practices. However, if you’re looking for a quick moolah fix, then apply for an unsecured loan today! No matter your credit, as long as you’ve been receiving regular income for the last 3 months.

So, don’t hesitate to apply today for bad credit unsecured personal loans with very fast approval.

Do we approve applicants who are receiving Centrelink?

At Nifty Loans, we classify Centrelink payments as regular income. Furthermore, you can apply for unsecured personal loans if you are receiving Centrelink payments.

As long as you are receiving regular Centrelink payments for the last 3 months into a personal bank account, you may be approved for unsecured personal loans.

We adhere to responsible lending practices in all facets of our service, including when it comes to loan for people receiving Centrelink. As a result, we may only approve you for a loan if you are asking for unsecured loans that are less than 20% of your income – we can often approve a Nifty loan for you.

Do we offer unsecured business loans?


If you’re looking to turn your hobby into a side hustle, then we have you covered. Unsecured loans are perfect for that initial boost of income to get your business up and running.

Unsecured business loans range from $300 to $2,000 with no security required! Unsure about taking out unsecured business loans? Well, here are some reasons why you should:

  • Minimal risk: Compared to secured loans, unsecured loans require no security, so there is no risk to any of your property if you are unable to repay your unsecured loan on time
  • A great kickstarter: If you are looking to invest a small amount of moolah into your new side hustle, unsecured business loans might be just the thing. Furthermore, small loans only require a small principal, so you’re repayment fees will be manageable

Easy repayments

Much like everything else at Nifty, our repayments are fast and simple. We use the latest in safe banking technology to directly debit your repayments from your nominated bank account. It’s safe and easy. So, say goodbye to the days of setting reminders, only to forget to transfer your repayments. For those with a busy lifestyle (and let’s admit, that’s all of us!), Nifty has you covered.

That’s Nifty.

so apply now!

No hassle unsecured loans. You can apply online 24/7 and have your loan approved in as little as 60 minutes. It’s easy, fast and simple.

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

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.

Let’s be friends!

Now you know the Nifty difference! We are 100% online loan service that is ready to help any Australian that wants to take control of their finances.

If you have unanswered questions about our service, you can head to the FAQs page and see if your answer is waiting for you. Don’t forget that customer service is very important to us Nifties, so don’t hesitate to contact us here or give our loan specialists a ring on 1300 471 328.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

P.S. Don’t forget that if you need secured personal loans for amounts of $2,001 to $4,600, we can help, too! Apply here!

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 $300 – $4,600 for small periods of time (up to 24 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.

who can apply?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs


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.

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

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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