Rating based on 14 reviews

Nifty Loans

  • Short-term loans up to $5,000
  • Low-interest starting from 48%
  • Repayment up to 6 months

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

Nifty - Tailor-made personal loans

When you need a quick loan in a hurry our nifty loan solutions could be exactly what you have been searching for their approach lending you money differently from traditional lenders by getting you the cash you need at the most affordable rate.

Their loan options include short-term loans, bad credit loans and unsecured personal loans that are tailor-made to suit you and your circumstances. Join the thousands of Australian citizens that are already satisfied customers.

Award-winning service excellence

Their clients are so happy that they have won a number of different awards including the 2016 service excellence award and the 2017 service excellence award they have a great reputation and pride themselves in making sure that you receive the best customer service and helpful and friendly advice.  Their fees are upfront and they want you to understand what you are getting into so they will explain the process to you and answer any questions that you may have.

If they are unable to assist you with a short-term loan they will let you know and advise you to get a professional financial professional to assist you further.

Secured loans up to $4,600

The latest technology tells them your credit history and looks at how you currently manage the money that you have.

This means that your loan application has a better chance of being approved then you would at a traditional lender that concentrates solely on your credit report. Their sophisticated system works out if you will be able to afford the loan repayments and how much you can comfortably borrow. 

Secured loans

They offer secured short-term loans ranging from $2100 to as much as $4600 for this type of loan you will need to provide collateral with this can be in the form of a car, motorbike, boat, truck, house or any item of greater value that you are the owner of.

Short-term loan repayment terms

Their emergency loans were designed to line up with your salary frequency weekly, fortnightly or monthly depending on your loan agreement. They process your loan application with great speed and talk to you frankly about their fees and any charges.

Nifty – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 48138.37% p/a
  • Loan Amount up to $5,000
  • Repayment 3 months to 6 months

Benefits of Nifty

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

Short-term loan calculator

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

Nifty Personal Loans - Fast paperless loan processes

The days of making appointments to see loan officers and plead your case are history so are the days of standing in long queues.

The marvel of technology allows you to apply online for a loan from anywhere that you have a secure internet connection this means that you can apply for a loan 24 hours a day.

Safe and secure

Technology is amazing and they use the latest technology to keep your private information such as banking statements and other personal data safe. Their system is paperless and you will receive a decision in as little as 60 minutes.

Customise your loan agreement

Choose how much you want to borrow and how long you need to pay it back and they will calculate how much your personal loan repayments will be and align them with your payment frequency. Borrow as little as $300 to as much as $4 600 and chose your repayment terms between 3 months and 6 months. You will be charged an establishment fee of 20% and a monthly fee of 4% as they do not charge an annual interest rate.

What do you need to apply?

To ensure that they are able to process your application form as quickly as possible, please make sure to include your current working mobile telephone number, a valid e-mail address, your bank account details – they will need this in order to pay the money into your account and to set up a direct debit in order to easily pay back your loan.  You will need to provide your financial information including income and expense. You will need to supply your employment information and a copy of your Driver’s License.  To apply for a short-term loan in Australia you must be at least 18 years old and be a citizen of Australia.

Do they run a credit check?

Nifty short term personal loans are a responsible lender and as such, they run a credit check to assess your level of affordability. Their system will determine if you are a high-risk client or not and take into account your current financial standing as well as your credit history, each loan application is judged on your individual circumstances.

Why do they need your online banking details?

They ask you for your online banking details so that they can easily have access to your latest bank statement without you needing to go through the hassle of going to the bank to get them. Through their trusted partner Bankstatements.com.au they can assess your finances. This process is completely safe and your online banking password and access information remain completely private. 

Pay back your loan early

If you would like to pay back your payday loan early, they won’t charge you any penalties and once you have repaid your loan in full you will become a preferred client and may qualify to lend more money much more easily in the future.

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Nifty is a trusted & reliable provider of short-term 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

I am a mother I don’t have time to go to the branch, online application worked well for me.

Isaac L
— Melbourne —

It’s very daunting to complete a long application. But the Niffy loan application was very short and simple.

Lee S
— Gold Coast —

Their consultants are very knowledgeable and well trained.

Nicholas C
— Cairns —

Nifty Contact

Contact Number


  • not available


Physical Address

Postal Address

  • 14 Douglas Street, QLD, Miami, 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