Rating based on 35 reviews

Nifty Loans

  • Personal loans up to $10,000
  • Low-interest starting from 21.24%
  • Repayment up to 24 months

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Author Nifty Loans. Screenshot of Nifty Loans website.
[Accessed March 15, 2023]

A “nifty” solution to getting a quick personal loan

Nifty loans offer exclusive low-rate personal loan services to clients who want to pay less monthly fees and access cash through simple platforms.

Their technologically advanced application platform allows them to work through applications efficiently and provide instant approval quickly. Clients don’t need to make formal appointments or provide endless paperwork when applying for a Nifty online loan.

People with bad credit are welcome to apply

Applicants with bad credit can still apply for a loan - Nifty aims to assist all individuals from any walk of life with an offer they can afford. As long as the client can afford repayments and provide proof of income, they will most likely receive approval for a loan.

Our success - our people

Nifty consultants are the reason for the success of the business. They have years of experience in providing loans and have a passion for assisting clients with their quick loan process. They have a dream team of spectacular consultants on hand to assist clients throughout any stage of the process. All clients will receive personalized attention and assistance from the Nifty team.

Nifty Loans Services

Those who need help to pay for a holiday, pay off debt, or medical expenses will find a personal loan the perfect solution.

Nifty provides a fast approval time to ensure that clients access funds within hours of applying. 

Easy to afford loans 

They offer short-term loans that range from $300 to $10 000 with a repayment period between 12 and 24 months. Clients can now choose to make repayments weekly, fortnightly, or monthly thanks to nifty loans flexible repayment terms. They charge a low-interest rate on their personal loans, which start from 7.59%.

The benefits of a nifty personal loan

Nifty personal loans are designed to cover many types of emergency costs, for example, dental costs, car registration, appliances, renovations, and holiday costs. Those in need of a personal loan but have bad credit can still apply as Nifty takes more than the client’s credit record into consideration. They also look at the client’s current income, repayment commitments, and spending habits before deciding.

Nifty Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 21.24%
  • Loan Amount up to $10,000
  • Repayment 9 months to 24 months

Benefits of Nifty Loans

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

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.

Quick personal loan options at Nifty

Get your personal finance fast with Nifty’s easy online application process

They have taken away all that dreaded paperwork and requests for documentation and simplified the entire solution for their clients. Their repayment periods allow clients to easily budgeting their installments, keeping them afloat in the financial aspect of their lives.

How the process works 

Nifty operates entirely online- in just a few steps:

  • Apply online in just a few minutes by completing the step-by-step application form
  • Get notified when a consultant received your request
  • Nifty will assess your application and provide an outcome within an hour
  • Once approved, your cash can be in your account within 60 seconds.

The eligibility criteria 

To be eligible for a personal loan, clients need to :

  • Be an Australian citizen or permanent resident over the age of 18
  • Have an active mobile number and email address
  • Have access to internet banking
  • Receive regular income - for 90 days before applying

Nifty is a responsible Australian loan provider

Nifty take their ethics and responsibility as an Australian lender very seriously. They use an honest approach to lending by providing clients with affordable loans with transparent terms. They will never put clients in more debt than they can afford.

Nifty provides affordable, low-interest personal loans for Australians who need help paying rather large bills. They encourage their clients to use their online personal loan calculator to determine what options Nifty has for them.

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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

February 2019

Nifty what can I say but you rename states it all you have really amazing quick service that lead me to have my loan in my account within the same day.

Alicia S
— Perth —

December 2018

The best part about Nifty is that there is no paper application it’s all done online and they will let you know how it goes with the processing.

Emily L
— Brisbane —

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