Rating based on 21 reviews


  • Quick loans up to $1,000
  • Low-interest starting from 24%
  • Repayment up to 6 months

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Nifty homepage
Author Nifty. Screenshot of Nifty website.
[Accessed May 24, 2023]

About Nifty

Nifty Personal Loans have a mission to help and empower every single Australian citizen to reach their full potential.

If that means helping them get a fast cash loan, then that is what Nifty will do – within the hour. They understand that when you need a fast loan, it means just that - fast!

How Nifty assists you

Nifty gives you unsecured fast personal loans which means you need no surety. They also do not carry out any credit checks, so if you have a bad credit rating, they would never know and you will still get the money.

Nifty want you to know that they are there to satisfy your requirements and do so as quickly as possible.

Treating you better

They treat customers like the important people they are – you are never a number to them, they put a name and face on everyone they do business with whether it is through an online loan application or in person.

They understand that talking about your debt is not your favourite topic and that you would quite rather be on the beach.

Nifty Services

Nifty's short-term loans are just that. We do not have any other products because we are a fast personal loans specialist in Australia.

Nifty is a well-trusted lender in the Australian market and has a wonderful rapport with their customers.

Nifty’s fast personal loan

  • No annual interest rate
  • Upfront fee of 20% to establish the loan, then a monthly fee of 3%
  • Loans from 9 weeks to 24 weeks
  • Nifty has set itself apart from other Australian lenders and has a 25% cheaper monthly fees. Your credit history is way behind you, we want to help you today based on where you are today.
  • Nifty won the Service Award from Word of Mouth in 2016. What does that tell you?
  • We most often get a decision about your loan within an hour of getting your application.
  • We only work online which streamlines the whole process of applying – less paperwork
  • If your quick loan is approved before 4.30 pm, you will receive the funds overnight. 

Nifty – Quick loan

  • Loan Type Quick loans
  • Interest Rate from 24%
  • Loan Amount up to $1,000
  • Repayment 90 days to 6 months

Benefits of Nifty

  • Interest rates starting from 24%
  • Quick and easy online loan applications
  • Quick loans up to $1,000
  • Affordable loan terms up to 6 months

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 fast loans help you to cover cash emergencies, quickly!

You know that a fast loan from Nifty will sort out your finances and give you a chance to breathe. Nifty are there to assist you and make your everyday life easier. They are only interested in the here and now and your current fast loan.

How to apply

  • You have to be 18 years of age
  • Not undergoing any hardship and not be bankrupt
  • Have to be an Australian citizen or permanent resident
  • You have to show that you can handle your money commitments by giving them proof of bank statements or store cards
  • You must have had a regular income for 3 months
  • No Centrelink emergency payment in the last 3 months
  • Must earn either $400 a week of $800 every two weeks to qualify

Nifty blog

Nifty personal loans have a wonderful blog where you can find extra information on how they operate and how they treat their customers.

They are also a FAQ page which can answer many of your questions before you apply, saving you time and money.

How can I ensure that my loan application gets approved?

There is no way a customer can ensure that their loan application will be approved for certain. As soon as you submit your loan application, we will go through it and give you the response within one business day.

There are usually additional documents that we require just so that we can make a verification based on the information you submitted on your loan application. We don’t normally find any discrepancies as most of the documentation we receive corresponds with the information that we checked on the credit request.

The best way to ensure that your quick cash loan has better chances of getting the thumbs up is to ensure that all your loans and payments are always paid and up to date. This will boost your credit profile and in turn land your application on a favourable position.

I am no longer interest in the quick cash loan

If you have changed your mind and are no longer interested in the quick cash, please inform us as soon as possible. We will not penalize you for changing your mind as you are obligated to have a change of perspective.

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Nifty is a trusted & reliable provider of quick loans

In our review, Nifty adheres to the compliance criteria in accordance with the National Consumer Protection Act, 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

November 2018

Nifty gave me a great deal when I applied for my quick cash loan.

Lilly Y
— Gold Coast —

December 2018

Applying for a Nifty quick cash loan was not only quick, but it was also convenient too.

Mary J
— Broome —

Nifty Contact

Physical Address

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 16:00
  • Saturday 08:00 – 12:00
  • Sunday – Closed