Unsecured Loans | Personal Loans Online with Fast Outcomes

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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.

Unsecured Loans from $500 to $10,000 Online

Looking for unsecured loans?

If you’re looking for unsecured loans, you’ve come to the right place! Nifty could offer you small loans, unsecured. Our application is 100% online for your convenience. We’re fast and easy – you could get an outcome on your application within 60 minutes of applying*! That’s Nifty!

Who is Nifty?

Nifty is an online lender, 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. We offer great service, while being 100% online, and having flexible repayment times, 

Nifty is giving Australia a new way to borrow. We offer quick personal loans for a variety of expenses. Nifty’s quick loans range from $500 to $5,000. We pride ourself with super fast outcomes – no paperwork – no hassle. You can apply online 24/7, all you need is an internet connection. Even better – if you apply during our business hours, we could give you an outcome in just 60 minutes!

Want unsecured loans without the hassle of a never-ending line at the bank or a bunch of paperwork? Easy! With Nifty, there’s no hassle when applying to borrow money. Nifty Loans is a loan service that wants to cultivate a positive environment for unsecured smart loans. Sometimes life doesn’t go according to plan and you need an emergency Plan B, or even Plan C. A backup plan should be fast and easy. 

Keep reading to find out more!

What can Nifty offer me?

We offer unsecured personal loans from $500 – $2,000. Our unsecured loans are small loans and can be paid back over a period of 6 – 9-months

Looking for a little more? We can also offer secured personal loans. Our secured loans, also known as medium or large loans, can be paid back over a period of 9 to 36-months. These are the two types of secured loans we offer:

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

Our large and medium loans will often need an asset attached to the loan as security. The collateral could, for example, be any type of vehicle, your car, motorbike or boat. This collateral may decrease the risk for us as lenders, meaning you may be able to borrow a larger lump of money. 

Furthermore, it’s easy to apply for unsecured loans with Nifty. You could be approved for up to $2,000 using only a quick online application, and our cracking team of loan specialists will get to work assessing as soon as we receive it.

Breaking down unsecured personal loans

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, well, unsecured, is that it has been approved based on the customers’ ability to repay the loan alone, rather than by holding property or possessions as security against it to reduce risk.

An unsecured personal loan may mean less risk for you as you don’t have any assets tied to the loan as security! With a secured personal loan, you must provide security to ‘secure’ the loan, such as a car, motorbike, caravan or boat. 

What can I use unsecured personal loans for?

At Nifty, we guarantee you a fair go, regardless of your credit score. Have bad credit? We may still be able to help. 

If you have less-than-perfect credit, or you’re receiving Centrelink benefits or a pension, apply and we’ll do our best to help. We take a fresh take on bad credit, taking into account your current income, employment and expenses. 

Had an unexpected bill come up and are now struggling to find a trustworthy short-term loan lender?  Our team are always here to help and will do whatever they can to offer you the finance you need. Here are a few examples of what you could apply for unsecured loans for:

Holidays and travel

Has finance been standing in the way of your holiday plans? Not anymore! We may be able to offer you an unsecured small loan for travel and holiday purposes. Perhaps you’re 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 unsecured loans from Nifty.

We are 100% online. That means you can apply right now, from wherever you are. Our application form could only take you a few minutes to complete. We could even have an answer for you within 60 minutes if you apply during regular business hours.

Car Repairs

If your car has broken down without warning it can really affect your finances. 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. Before you panic, you could reach for your phone and apply for a fast unsecured loan with Nifty. 


If you’ve been struggling to make your dream wedding a reality but the budget isn’t cooperating then a small unsecured personal loan might be for you. Why compromise? Your big day only comes around once. No regrets. 

More about unsecured loans for Bad Credit

Nifty takes a different approach to bad credit. We can consider applicants who have poor credit scores and may be able to offer them a loan. If you’re not sure, your best bet is to apply and let us take a look at whether we think we’ll be able to assist you based on your unique circumstances. 

At Nifty, we don’t think that a less than perfect credit score should hold you back. However, we do conduct credit checks. Nevertheless, we can guarantee that a credit check is not the only factor considered in the assessment of loan applications.

At Nifty, we prefer to look at your current relationship with money. That’s why, during the application process, we will ask you to log in to your internet banking so that we can access a secure, read-only copy of your bank statement. There is no need to stress. 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 and verify income. We use the latest in safe banking technology to ensure your information is encrypted.

Why trust Nifty?

Responsible lending

Nifty adheres to responsible lending practises. We will always strive to offer our speedy loan services in a responsible manner and lend only what we think you can afford to repay. The credit and financial service sector are covered by very stringent laws and regulations, which we always endeavour to adhere to. 


You can trust Nifty to offer you the loan amount and repayment period that suits your circumstances and what you can afford. 

Transparency and no hidden costs

At Nifty Loans, we believe that 100% honesty and transparency is key to any successful relationship and happy customers. So, that’s why all the costs and fees associated with your loan are clearly outlined in your contract prior which you’ll be able to run through before digitally signing it. 

For a general idea of what you might pay on unsecured loans, take a look at our costs 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, depending on a number of factors such as the repayment period. 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.

Easy and fast finance

We get it. Usually, when you’re after a loan you need the money fast. So, when banks and other big lenders are just not agile enough for you – consider Nifty for fast cash loans. 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. 

There’s no hassle with Nifty’s unsecured loans applications. You can apply online 24/7 and you could have your loan approved in as little as 60-minutes. Additionally, once approved you can have your funds in your account in 60 seconds!  

Get the cash you need today!

Easy repayments

Much like everything else at Nifty, we’ve made repayments fast and simple. We use the latest in safe banking technology to directly debit your repayments from your nominated bank account. Once your loan is fully paid off, the direct debit will automatically stop. 

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 default fees.

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.

Step Two: Conditional Approval

Once you have submitted your unsecured loans application, which can be completed in minutes, Nifty Loans will send a conditional approval if you meet our minimum requirements. We recommend that you 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 if you apply 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. Furthermore, you can be sure Nifty Loans has your best interest at the core of our assessment process.

Step four: Receive your funds

You’re approved! If you receive the good news, your funds will be on their way shortly. Fund processing times are subject to interbank transfer times. If you have an NPP-enabled bank account, your money will be in your account in just 60 seconds! If not, you’ll have your money in your nominated bank account at latest the next banking day. 

Do we cater to people with bad credit?

After bad credit loans? Look to Nifty Loans! We understand that bad credit history isn’t what you wanted and we believe it shouldn’t dictate the rest of your life. At Nifty Loans, if your current financial situation is sound, you deserve a fair go at getting a loan! We can offer bad credit unsecured personal loans with very fast approval for all Australians.

Nifty Loans does perform credit checks, but 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 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 can classify some 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. 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, receiving Centrelink and people who are self-employed to apply.

Now you know the Nifty difference! We are a 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!



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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.