Rating based on 24 reviews


  • Quick loans up to $5,000
  • Low-interest starting from 4.8%
  • Repayment up to 24 months

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Author Nifty. Screenshot of Nifty website.
[Accessed May 3, 2023]

Nifty – Quick affordable loans

When it comes to fighting those sour lemons life tends to throw your way every now and then, Nifty personal loans are on your side.

They may well be a money lender, but they take a somewhat different attitude to get their customers the money they need.

They offer quick, affordable, short-term, bad credit, unsecured personal and cash loans, they're here to make absolutely sure that their customers don’t need to run around trying to make appointments and take time off work as you would experience with a traditional lender.

They promise speedy loans

Their systems are nifty enough to distinguish that your credit history is in the past, they would rather observe how you currently manage your finances and what your affordability is.

They promise a speedy delivery when you need to borrow cash because they get that you need the cash with a dash of speed. They are a salt of the earth sort of company, which means that they help where they can and they will let you know in no time at all. How great is that?

The Nifty mission and how it works

They entitle all Australians that are in distress and are looking for a quick loan to the ability to apply whenever, wherever.

Each person has a unique situation and bearing that in mind, their application process is fast, they are transparent when it comes to fees and charges and they provide the best possible service. Why wait? Apply today!

Loans between $300 and $4,600

The maximum fee charges are a 20% establishment fee and a 4% monthly fee, within the current legislation lender they the lender does not charge an annual monthly interest fee on their small amount credit contracts, known as an Annual Percentage Rate or APR%           

Should you be in need of a payday loan, log onto their web and search for the application form, fill in your details it takes all of 4 minutes, just so you know they are 100% online. You will more than likely receive your answer within 60 minutes during normal business hours, so don’t forget to check your emails.

The waiting period for funds

Once your application has been approved and your bank plays nice, the funds should be in your account overnight or at the latest at the close of business when accepted. It’s as easy and as quick as that.

Looking for a loan? You can apply with them if:

You definitely need to be 18 years of age or older, be an Aussie Citizen or be a permanent resident, be employed with a regular income and your salary is paid into your personal bank account for a period of at least 3 months, you have an active mobile number and an email address.

Why choose nifty personal loans?

You are able to choose a fast loan between $300 and a cool $4,600, it doesn’t really matter which one you choose we will be able to assist in any way that they can, there’s a Nifty loan for everyone.

Nifty – Quick loan

  • Loan Type Quick loans
  • Interest Rate 4.821.24% p/a
  • Loan Amount up to $5,000
  • Repayment 9 months to 24 months

Benefits of Nifty

  • Secured loan options
  • Easily apply online
  • Get your loan on the same day
  • Get an unsecured loan up to $5,000 

Quick loan calculator

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

Nifty Loans are fast & reliable loans

A bad credit rating doesn’t mean it’s the end of the road for you, even though they do, do a credit check, they look at how you are managing your current finances in other words how much you earn and what your expenses are.

Trusted by 1000s of Aussies

Why not apply for a loan with them and see what all the Aussies are talking about, people put their trust in Nifty Personal Loans. They have assisted thousands of satisfied customers.

Convenience at its best

You don’t need to bore yourself with all the paperwork or stand in queues, all you need to do is jump online complete your application form and have your answer in a flash, Nifty values your time, that’s why that palaver out in order for you to have more time to yourself, with their simple application process and for you to assess your short-term loan asap and receive your answer in less than an hour.

If you need to have access to money chop-chop, you have come to the right place. They have cut out all the mumbo jumbo to make sure that you get that emergency loan, bond loan or, quite frankly any loan as fast as possible. Their online loans truly are fast and easy. No matter what your need is you could get the cash for whatever reason you need it, have a weekend away, pay that doctor’s bill, or renovate that room, the cash is there for you to use as you wish if you are getting an income from Centrelink or you’re employed, you are most welcome at all times.

They do need to ask why you need the loan, so give them as much information as you possibly can in order for them to assess your loan and get you back on the road in no time at all.

They'll verify your expenses by taking a quick look at your bank statement, it cuts out all the hassles and it is safe and secure. They are all about convenience and speediness.

man holding thumbs up

Nifty is a trusted & reliable provider of quick loans

In our review, Nifty 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 is a registered credit provider in Australia: ACL 514 260

Customer Reviews & Testimonials

If you are in need of some quick cash look no further than Nifty. Their personal loans offer you a great deal and arrive exactly when you need them to at an affordable rate and repayment term.

— Perth —

Even though I was rejected for credit in the past, I was able to get the loan I needed from Nifty. They do believe in the importance of second chances and were there to help me achieve a better f...

— Brisbane —

Nifty offers a variety of loan packages including both secured and unsecured options. This was very useful to me since I am not a homeowner and was thus pleasantly surprised that I could obtain a...

Betty T
— Canberra —

With a fast online application that only takes a few minutes, you can begin your journey to a better financial future in a jiffy. Gone are the days of standing in time-consuming bank queues. Orga...

Terry R
— Adelaide —

Nifty Contact

Contact Number


  • not available


Physical Address

Postal Address

  • 14 Douglas Street, Milton, 4064, Australia

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