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Loan ProductsPersonal Loans

We’re Nifty Loans, your friendly neighbourhood neo-lenders

We believe in a no-nonsense approach to lending. If you apply with Nifty, you’ll enjoy quick outcomes, high customer service standards and a smart application form that gives you no paperwork loans.

We may be a money lender, but we take a slightly different approach to getting our customers the money they need. We’re here to make sure small, quick, affordable, short-term, bad credit, unsecured personal cash loans are available to everyday Australians without the run-around you’d experience with a traditional lender.

Our systems are smart enough to know that your credit history is in the past.

We look at how you currently manage your money and what you can reasonably afford.

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.


Nifty exists for you

Let’s call it what it is – we’re a money lender.
Where we’re different is in our delivery.
We offer all Australians in need of small amount credit and medium amount credit contracts access to quick personal loans. In other words, when you need a loan we can offer quick loans, fast loans, small loans – you get it, we’re speedy!

We process loan applications quickly. We’re open and frank about the costs and outcomes associated with our small loans and we make sure that small, quick, affordable, short-term, bad credit loans, unsecured personal cash loans (and secured loans, too) are available to people just like you. And you. And you.

We’re a 100% online provider of small personal loans, unsecured personal loans and secured personal loans, too. So that means no paperwork and no worries!

Our quick personal loan repayments are short term. Loans up to $2,000, medium loans up to $5,000 – we’ve got the amounts you need covered.

Been hit with a last minute expense? If you need to borrow money quickly, you’re in the right place. We’ve cut out the nonsense to make getting an emergency loan, bond loan, relocation loan or, frankly, any loan, quick. Yep, you read that right.

Our online loans are quick and easy. Whatever you need the money for, whatever the emergency or adventure, whether you’re employed or get your income from Centrelink, you’re welcome here. We think all Aussies should have access to fast loans!

Taking on debt is stressful so make sure that, before you apply for a loan, you read about our easy repayment terms. You can even use our personal loan repayment calculator to see the estimated repayment cost you can expect over the duration of your loans’ term. Our personal loan calculator is just at the top of this page, so make sure you check it out.

Wanting to simplify your repayments? We can provide consolidation loans to combine all your payments into one. Better still, our fast assessment process means we can give you an outcome within one hour if you apply during business hours.

When getting fast cash today is critical, look no further than Nifty loans for quick loans.

Nifty is a lender for Aussies, by Aussies. We’re nationwide baby! From Queensland to Western Australia, Northern Territory to Tasmania, NSW to ACT – we help Aussies across the country access fast cash when they need it most.

Only need a little financial boost? No problem. We can provide micro and mini loans in no time. In fact, thanks to instant banking, if you’re approved for finance you could get your money in just 60 seconds if your bank has NPP-enabled payments!

So, whether you live in Brisbane, Gold Coast, Sydney, Newcastle, Canberra, Melbourne, Adelaide, Perth, or any other city for that matter – we’re the local lender to turn to when you’re looking for same day cash loans!



The Nifty Mission

To empower every Aussie in need of a quick cash loan with the ability to apply whenever, wherever.

  • We process applications quickly, with each unique situation in mind.
  • We’re open and frank about our fees and charges.
  • We provide second-to-none service.