Unsecured Loans from $300 to $5,000 online. Apply now!

Nifty does quick loans from $300 to $5,000 – fast outcomes – no paperwork – no hassle. Apply online 24/7!

Unsecured Loans

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 application only takes minutes to complete and, if you apply during normal business hours, you’ll have an outcome in no time. Nifty Loans is not just quick, we are lightning quick.

Who is Nifty?

We’re Nifty Loans! A small credit provider here to better serve the needs of the Australian community. As a neo-lender, we want to do things a little differently than traditional lenders. With great service while being 100% online, and having flexible repayment times, Nifty is showing Australia a new way to borrow.

We offer unsecured personal loans from $300 – $2,000. These small loans can be paid back over a period of 3 – 6-months

Looking for a little more? We can also offer secured personal loans. Our secured loans can be paid back over a period of 13 to 24-months. We offer two types of secured loans:

  • Medium secured loans range from $2,100 to $4,600;
  • Large secured loans of $5,000.

Our large and medium loans are secured loans, which means they will need an asset attached to the loan. So, if you are looking to take out either our medium or large secured loans, you’ll need to attach a boat, car, motorbike or caravan against the loan as security.

Our unsecured small loans do not need any asset attached to them as security.


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

Close up: unsecured personal loan

Okay – let’s break it down. Firstly, a 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 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 car, motorbike, caravan or boat. Unsecured personal loans are the perfect fix for a pesky unexpected situation.

Need your unsecured personal loan approved fast?

No worries! Here are a few helpful tips to help you through your application:

  • 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;
  • 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 Permanent Resident;
  • You must be receiving a regular income into a personal account for at least 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 only 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 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 application, during normal business hours. However, time may vary depending on whether your application requires extra supporting documents. If you apply outside of business hours, your application will be first in line the next business day. 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 will be on their way shortly. We will transfer your moolah to your nominated personal bank account. Fund processing times are subject to interbank transfer times.

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. All the payable costs and fees will be clearly outlined in your loan contract prior to you signing it. For a general idea of what you might pay on one of our unsecured loans, you can find some examples at the bottom of this page.

Keep in mind this is just a general idea of what you can expect to pay. Some loan types may have other payable fees and charges. If you miss a repayment on your loan, there may be additional fees that apply. To find out more about the fees and charges associated with your loan, get in contact with a member of our friendly customer service team.

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, this is not the only thing we look at, we also look at your current financial situation to get a better idea of your current relationship with money.

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

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 at least 3-months into a personal bank account, you may be approved for unsecured personal loans.

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.

You just need to ensure the funds are available in your account on your repayment day and also make sure to keep a keen eye on your repayments, so you won’t catch any of those nasty dishonour fees. Once your loan has been paid in full, your repayments will automatically stop.

That’s Nifty.

So apply now!

No hassle unsecured loans. You can apply online 24/7 and you could 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!

We make 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, unless you apply outside of business hours or we need a bit more info to assess your application. Whether you’re looking for relocation loans, or car repairs loan – Nifty Loans can help.

Let’s be friends!

In case you haven’t noticed, we’ll let you know now, we’re not your average lender. We welcome people with bad credit, recieving Centrelink and people who are self-employed to apply.

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 $2,100 to $5,000, we can help too! Simply scroll up and select any amount you want, and apply here!

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* 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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews


"I have found the nifty team to be quick helpful friendly and always try to exceed there expectations."

- Colleen Hogden


Types of loans