Rating based on 17 reviews

Nifty Loans

  • Personal loans up to $5,000
  • Low-interest starting from 24%
  • Repayment up to 24 months

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Nifty Loans homepage
Author Nifty Loans. Screenshot of Nifty Loans website.
[Accessed May 2, 2023]

Nifty Loans – We are transparent & reliable

We are a credit provider with a difference. We want to help any client who applies for a loan regardless of the type of loan and we also accept applications from clients with bad credit.

We offer a wide range of loans that will suit any Australian lifestyle. Our personal loans are easily accessible through our online platform. No more running around, standing in queues or filling in endless paperwork.

Smart systems for easy application

Our systems are smart and they pick up your credit history when you apply rather than looking at your current money management and affordability. We understand that when you need cash you need it fast. We deliver on our promises and our promise to our clients is that your money will be paid out fast as soon as you have been approved for a loan.

The transparent and reliable lender

We pride ourselves on our transparency. You will know the exact cost of your loan before you sign the loan agreement. We will also inform you about your bad credit loan options as well as explain our terms and conditions. Even though our loan is accessed online, we still give a personal touch to every loan we provide to a customer.

Nifty Loans – Approval within 1-hour

We empower Australians with loans that can be applied anywhere at any time. Our loan process is designed with your convenience in mind.

Our secure online platform will give you extra peace of mind when you upload your personal documents into our system.

The Nifty mission

  • We want to empower every Australian who needs a quick loan to be able to apply 24/7
  • We are transparent in our fees and charges.
  • Our service is second-to-none. You will always receive the highest quality service and products from us and that’s another promise to our clients.

We have an easy 3-step plan to get you a loan fast

  1. Apply online – it's fast and easy. The loan application takes less than 4 minutes to complete.
  2. Loan approval – the loan approval time is less than 60 minutes. Check your email we will send a confirmation as soon as you have been approved.
  3. Get your money – as soon as you have been approved, you will sign a personal loan agreement and Nifty Loans will transfer the loan amount into your account.

Nifty Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate 24199.43% p/a
  • Loan Amount up to $5,000
  • Repayment 3 months to 24 months

Benefits of Nifty Loans

  • Get a loan decision in 60 minutes
  • A variety of loan options to choose from
  • Apply online in a few minutes

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Nifty Loans – fast online loans for your convenience

If you need a loan fast, then you're in the right place. Our application process is quick and easy and you will know the outcome of your loan application within 60 minutes.

Fast personal loan approval times like this is hard to beat anywhere else in Australia. You also have the added convenience of applying for a loan at anytime day or night.

You can receive your quick cash loan if:

  • You are 18 years old
  • You are a permanent resident of Australia
  • You earn a permanent salary
  • You have an active email address and mobile number

You should choose a nifty personal loan and here’s why

  • Our emergency loans range between $300 and $4,600
  • We welcome applications for clients with bad credit
  • Many Australians already use us as their credit provider of choice
  • Maximum convenience – no endless paperwork or queues
  • You will know the outcome of your application within 60minutes
  • As soon as you have signed your loan agreement, we will immediately transfer your funds.

Get an unsecured personal loan

We are a credit provider of short-term loans. Our loans are both unsecured and secured and you can apply 100% online. We give you the freedom to choose the loan term that best suits your financial situation. We have simplified our loan process to help Australians get the loan they need in the quickest time.

You can use our online loan calculator to help you determine the loan amount that best suits your budget. We make every client a priority and if you need any help or advice you can contact us on our support line.

man holding thumbs up

Nifty Loans is a trusted & reliable provider of personal loans

In our review, Nifty Loans adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Nifty Loans is a registered credit provider in Australia: ACL 514 260

Customer Reviews & Testimonials

Love that I was able to fill out my application on my cell phone while waiting at the doctor’s office, by the end of my appointment the money was already in my account.

Amber B
— Perth —

I was looking for a fast and easy personal loan to help me surprise my mom with a ticket to come and see me. Nifty was able to help me with a loan the same day!

Andrew L
— Melbourne —

Nifty Loans Contact

Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed