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!

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 $300 and $4,600 repayable over up to 24 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 $4,600 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 Nifty 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 $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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