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I want to borrow $1,000

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Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

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Cash in your bank within 60 seconds of approval*

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.

Not Sure Where To Get A Loan? Nifty Could Help You Access the Personal Finance You Need

Personal loans, made simple

If you’re wondering where to get a loan, then you’ve come to the right place. At Nifty, we are making it easier than ever for Aussies to get the fast cash they need without the hassle. You can apply for a Nifty loan 100% online, so all you need is an internet connection. Since we’re Australia wide, it doesn’t matter if you’ve been googling ‘where to get a money loan in Brisbane’ or ‘where to get a loan in Darwin’ Nifty is always in your back pocket. 

Where To Get A Loan

Where to get a loan in Australia

If you’re wondering ‘where can I go to get a loan?’ there are a few options you have to choose from. When it comes to personal loans, you could, just to name a few:

  • Apply with the bank;
  • Submit an application for a credit card;
  • Talk to a credit union about a loan; or,
  • Apply for a personal loan online. 

Each of the options listed above has its pros and cons. Yet, if you’ve ever applied for credit with a traditional lender then you probably already know that it can be a lengthy process. 

If you’re tired of waiting weeks for approval and even longer to receive your money then why not apply with Nifty. If you submit an application during AEST business hours a member of our team will do their best to get back to you with an outcome in just 60 minutes. With the introduction of instant banking, you could even have the cash in your account and ready to use in 60 seconds once approved. How about that for convenience! 

Where can I go to get a personal loan with poor credit?

If you’re not sure where to get a loan with poor credit, there are many lenders that can provide finance options to people with bad credit. Ultimately, it differs between financial institutions, but most lenders will outline their policy on credit on their websites.

At Nifty, we don’t judge our applicants based solely on the result of a credit score check. Our team take a realistic approach to lending. We understand that everyone makes mistakes. A mark on your credit score from up to 7 years ago should not affect your chances at getting a personal loan today. 

The Nifty team will look at your bank statements to get a better idea of your spending habits, income and pre-existing financial commitments. If we can see you have made a considerable effort to reconcile bad credit you could be eligible for a personal loan. So, stop googling ‘where to get a small personal loan with bad credit’ and apply with Nifty today! 

Where is a good place to get a personal loan?

Nifty is the name Aussies trust when it comes to online lending. When you apply with Nifty you can rest easy in the knowledge that you will always get a fair go. We don’t think it should be tricky to obtain a safe, reliable and fast personal loan. Our team work hard to make sure you get the cash you need when you need it. 

We’ll cut straight to the chase. No long paper forms to fill out or queues to wait in – our application process is 100% online. It could only take you a few minutes to complete an application and the cash could be in your account much quicker than you think. 

Can I trust Nifty? 

If you’re not sure where to get a loan, it can be difficult to know who you trust. At Nifty we are proud to be a responsible lender. What does that mean? Essentially, it means that our team will always do the right thing by you. We conduct a thorough and fair assessment of all loan applications. The Nifty team will never approve you for an amount of cash that you will not be able to repay.

You can check out the code of responsible lending here.  

How can I apply? 

Now that you know where to get a loan, how can you apply for one? An application with Nifty couldn’t be easier. We’ve streamlined the entire process so there are no extended waiting periods. Here’s what you’ll need to do:

1. Apply online 

Head to the top of the page and use our loan calculator to select a loan amount and repayment period that suits you. When you’re satisfied you can hit ‘apply now’.

2. Fill out the form

If you’ve chosen to proceed with an application you will be directed to our 100% online application form. This could only take you a few minutes to complete. The Nifty team will just need a few important details to conduct a fair assessment of your loan application. 

3. We assess your application 

You can sit back and relax, our team will assess your application and do their best to match you with the best possible loan for your individual circumstances. Got bad credit? We’ll look at how you are going to repay the loan so you get a fair go at approval. 

4. Sign your agreement 

If Nifty has successfully matched you with a personal loan we’ll send over an agreement for you to review and sign. We encourage all borrowers to read through their agreement carefully and make themselves aware of any fees or charges they could incur for late or failed payments. When you’re happy, just sign your agreement and send it back to us. 

5. Get your cash

As soon as we receive your signed loan agreement we’ll transfer the cash straight to your account. Thanks to the introduction of instant banking you could have the money in your account and ready to use in 60 seconds.* 

Who can apply? 

At Nifty, we keep our application as simple as possible so all Aussies get a fair go at a personal loan. Here’s what you’ll need to meet if you’d like to apply for a loan: 

  • All applicants must be over the age of 18 and hold an Australian citizenship or permanent residency;
  • You must have received some type of regular income for the last 90 days into a bank account that is your own;
  • Applicants must have an active mobile phone number and email address that we can contact you on; 
  • Use internet banking.

Got questions regarding application criteria? You can get in touch with the team or head to our FAQ page for more information.

Will I need to fill out any paper forms? 

No! At Nifty, we don’t believe in paper forms – you won’t even need to provide us with paper copies of your bank statements. Our 100% online application form could only take you a few minutes to complete. Here’s what we recommend you have handy: 

  • Personal details like your online banking & employment info; 
  • An active email address and mobile number;
  • The reason you are applying for the loan; 
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer and contact details.

Why does Nifty need my online banking information? 

That’s a good question! At Nifty, we ask our applicants to provide online banking information so we can access read-only copies of bank statements. Our team use bank statements to get a better idea of your current financial situation. We’ll assess factors like income, spending habits and pre-existing financial commitments to ensure a personal loan is an appropriate financial decision. There’s no need to be concerned when it comes to security. At Nifty, we use the latest in safe banking technology to ensure your information is always encrypted. That means no Nifty staff will ever be able to see your personal information or passwords.

Will Nifty call my boss?

Only sometimes. As we’ve mentioned, Nifty is a responsible lender. That means we abide strictly by the code of responsible lending. Our team will conduct an employment check, with the utmost professionalism, if we are unable to otherwise confirm your employment. None of your personal information will ever be disclosed to your employer – this includes the reason why you are applying for a personal loan. If you’ve got questions regarding Nifty’s employment check procedure you can get in touch with the team today. 

What can I get a loan for?

Where to get a loan for car repairs

If your car has broken down at the most inopportune time Nifty is here to help. You could apply for a loan between $300 and $5,000 right now. The best part is you could even complete our 100% online application form while you wait for the tow truck to arrive. Nifty won’t ask you to fill out any long-winded questionnaires or provide any paperwork. All you need to do is scroll up and use our online loan calculator to get started. 

Where to get a loan for medical bills

That’s right, Nifty could provide the cash you need to fix up any unexpected medical bills. We love making it as simple as possible for Aussies to access the fast, reliable and safe cash they need. When you’re sick, the last thing you want to concern yourself with is cash. Don’t waste hours googling ‘where to get a personal loan fast’ or where to get a 2000 dollar loan,’ just scroll up and apply with Nifty. If you submit an application during AEST business hours our team will do their best to get back to you with an outcome in 60 minutes. Talk about speed! 

Where to get a loan for a holiday 

Are you setting off on the trip of a lifetime? Need some extra cash to make it that little bit more special? You could apply for a holiday loan with Nifty right now and get the cash you need today. Our team approve holiday loans between $300 and $5,000. Although we can not guarantee approval for every single applicant, we can guarantee you a fair go. We’ll work hard to make sure you get a personal loan that is right for your individual financial circumstances. So, what are you waiting for? Thanks to instant banking you could even have the cash in your account and ready to use in 60 seconds once approved.* 

Our promise to customers 

At Nifty, we are dedicated to providing the best possible customer service to every single applicant. We know that without you there is no us. Our team are down to earth and friendly. We understand that when you’re in a pickle and need fast cash, there is no time to waste. We won’t beat around the bush. If the Nifty team have been able to successfully match you with an appropriate loan product we’ll get in touch straight away. If we haven’t been able to approve you for a loan we’ll let you know. We believe in 100% transparency when it comes to online lending. 

So, if you’re not sure where to get a loan – give us a go! It’s free to apply and we could have an outcome for you in under 60 minutes. 

Find out more

Still, have a few questions? Our customer service team are here to support you throughout the life of your personal loan. If you don’t think you will be able to make a repayment our team encourage you to get in touch and if possible we will make alternative arrangements. At Nifty, we’re all about making your life a little less stressful! 

Want to read more from Nifty? Here are the money facts you need to read.

The Nifty team have done their research on the new Foxtel/Netflix deal means for Aussie TV.  

*Only available for NPP enabled bank accounts.


Andy Andy

AUTHORITATIVE SOURCE

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 Loans

Large Loan Example

$5,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$5,000

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
EEstablishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
EEstablishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.