Unsecured Loans
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Need an unsecured loan?
Here at Nifty Loans, we’ve created a simple and quick online borrowing process. We offer unsecured loans from $500 to $3,000 with flexible loan terms up to 24 months. Whether you’re needing some extra cash to spruce up your home office, or wanting to cover the costs of a weekend getaway, an unsecured loan can provide you with financial security.
Why choose Nifty?
At Nifty, we guarantee a fair loan assessment for every application, no matter your financial circumstances. That’s why we’re one of Australia’s fastest-growing small online lenders. Our team of loan specialists work tirelessly to have a speedy turnaround on applications while upholding responsible lending practices. You can find out more about taking out an unsecured loan below.
ⓘ Loan Disclaimer
Need an unsecured loan?
Here at Nifty Loans, we’ve created a simple and quick online borrowing process. We offer unsecured loans from $500 to $3,000 with flexible loan terms up to 24 months. Whether you’re needing some extra cash to spruce up your home office, or wanting to cover the costs of a weekend getaway, an unsecured loan can provide you with financial security.
Why choose Nifty?
At Nifty, we guarantee a fair loan assessment for every application, no matter your financial circumstances. That’s why we’re one of Australia’s fastest-growing small online lenders. Our team of loan specialists work tirelessly to have a speedy turnaround on applications while upholding responsible lending practices. You can find out more about taking out an unsecured loan below.
Our Happy Customers
So simple and non intrusive!
Wonderful, simple easy, filled it out at lunch time and had the money by 5pm. No unexpected costs or issues. Extremely satisfied, thank you for getting me out of a Jam! Quick and easy and easy to repay!
Grace G
Prompt and easy to deal with
Nifty are always prompt and easy to deal with.The process of applying and repaying is simple and I have utilised niftys service multiple times because of this.
Andrew W
They were so easy to deal with!
They were so easy to deal with and super fast! From the application to approval & getting the funds in 24 hours. I also had to call to change some details and they were super friendly & accommodating. Highly recommended!
Angela R
Very happy with the service!
The process with Nifty is very easy. If you’re in need of a small loan, I’d recommend this company. I was approved within an hour and had my money by 7pm that night. Very happy with the service! Thanks Nifty!
Holly A
Secured vs unsecured loans: what’s the difference?
Before applying for a personal loan through Nifty, it’s important to understand the difference between the two before committing:
Unsecured Loan
- Don’t need to provide any security (collateral) for the loan;
- Typically a smaller loan value;
- Can be used to cover holiday expenses, home improvement costs, etc.;
- Tend to have higher interest rates, due to posing a higher risk to lenders;
- Typically faster application process.
Unsecured loans can be a great option for those needing a little extra cash to get them through. The application process is usually a lot faster than for secured loans, as you won’t be filling out extra paperwork detailing your collateral.
Secured Loan
- Must be guaranteed by an asset (such as a car or a motorbike);
- Typically a larger loan value;
- Can be used to cover most expenses;
- Tend to have lower interest rates, as the lender can use the collateral as security.
Am I eligible for an unsecured loan?
In order to be eligible for an unsecured loan, you’ll need to meet certain criteria:
- Be 18 years old;
- Have Australian citizenship, or permanent residency;
- Have an active internet banking account;
- Have regular income for a minimum of 90 days before applying.
How to apply for an unsecured loan through Nifty
Applying for an unsecured personal loan through Nifty is quick and simple. We’ve done all the hard work for you, so that you can apply and receive a response within 60-minutes*.
- Use Nifty’s online application form and apply in under 10 minutes;
- Sit back and relax while our loan assessors evaluate your application;
- If your application is approved, you could receive your cash within just 60-seconds**.
Use Nifty’s loan calculator to determine your repayments based on your desired loan amount.
How does Nifty offer emergency loans?
Nifty’s own loan-processing engine gives our team the ability to be inclusive lenders. This means that we can offer customers fast emergency loans, even if they have a bad credit history. It also means that we can offer a simple and quick online application process.
Here at Nifty, we pride ourselves on being one of Australia’s fastest lenders - both in terms of processing and delivering loans. Once we receive your loan application, we aim to process it within 60-minutes*. For applicants with an NPP-enabled bank account, you’ll typically see the cash in your account within 60-seconds**.
As an Aussie-owned and operated business here in Brisbane, Queensland, we understand the importance of having a trustworthy, local lender. That’s why our in-house loan specialists and customer service team work tirelessly to provide you with exceptional service and turnaround times.
Nifty operates 100% online, saving you from unnecessary paperwork and long wait times. Our team can be reached during business hours over the phone, and if you’re short on time, you can leave your details here for a friendly customer service member to reach out to you ASAP.
What can you use an unsecured loan for?
Unsecured personal loans can be used for a range of expenses. They usually offer more flexibility with additional repayments than secured loans do. Some common uses of unsecured loans include:
Wedding costs
Whether it’s catering costs, accommodation, or floral arrangements, weddings can cost an arm and a leg. An unsecured wedding loan can help chip in to cover those extra costs that many couples don’t account for when budgeting.
Buying a car
If you’ve been saving up for a new car, an unsecured personal loan can give you that little bit extra to bump you over.
Holiday expenses
If you’re run down from work and craving a getaway, an unsecured holiday loan can cover flights, accommodation, and most other expenses that come with booking a trip.
Debt consolidation
You might be carrying debt from multiple sources. In some cases, taking out an unsecured loan to consolidate your debts can be a smart option, as it will most likely reduce your total interest charges.
Home renos
You might want to repaint the house, or replace your white goods; whatever sprucing up your living space needs, an unsecured loan can chip in to get the ball rolling.
Frequently asked questions
How much can I borrow on an unsecured loan?
At Nifty, we offer unsecured loans from $500 to $3,000. As a small loan, you have the choice of 9 to 24 months for your repayment period. If you’re after a higher loan amount, check out our secured personal loans here.
Does Nifty charge fees?
Like with most personal loans, the regular fees and charges will apply with a Nifty unsecured loan. When you submit an application, we’ll give you a credit guide that runs through the applicable fees and charges you can expect to pay on the total cost of the loan. As a responsible lender, we are transparent about these fees and will always do our best to inform you of the true cost of the loan.
How quickly will I receive my unsecured personal loan?
Nifty uses an in-house bank statement reviewing technology, meaning we’re able to assess applications almost instantly. If you apply within business hours, most applicants can expect a response within 60-minutes*, if not instantly. If your application is approved, and you have an NPP-enabled bank account, you could be looking at receiving your cash within 60-seconds**.
Does Nifty do credit checks?
Our team at Nifty adheres to ASIC’s responsible lending guidelines. As such, we’re required to perform credit checks on every application we receive. Don’t let this dishearten you, though - our loan specialists will look at an applicant’s full financial profile, not just their credit score. So, if you have a poor credit score, it’s not the end of the world.
Does Nifty offer unsecured loans to applicants with bad credit?
At Nifty, we pride ourselves on being an inclusive lender. This means that we can offer finance to applicants with bad credit, as long as they meet certain criteria. When we perform our credit check, we also look at your regular income and expenses, and from this will determine whether our loan repayments are manageable for you. If you’re worried about your credit score or are wanting to understand your options with Nifty, reach out to our friendly customer service team .
*If you apply within our standard business hours. Subject to individual assessment. 60-minute outcomes are not guaranteed.
**If you have an NPP-enabled bank account.