Need some fast finance? We're here to help.
WARNING: Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
- For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
- Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
- If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments
The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009
No repayments until January 2017 & No monthly fees until January 2017
Terms & Conditions
This limited offer is available to all Nifty Personal Loan loans applied for and approved between the 2nd December 2016 and 24th December 2016.
No repayments will be direct debited during the 2nd December 2016 and 24th December 2016 for all clients who are approved between the 2nd December 2016 and 24th December 2016.
Repayments of principal and for interest and establishment fee for all Nifty Personal Loan loans applied for and approved between 2nd December 2016 and 24th December 2016, will commence from the 1st January 2017.
There will be no penalty incurred if you choose to pay your Nifty Personal Loan before the 1st January 2017.
All loan applications are subject to responsible credit and affordability assessments in accordance with the National Consumer Credit Protection Act, 2009. All fees and repayments are fully disclosed to applicants before an agreement is entered into.
Nifty Personal Loans reserves the right to withdraw the offer at any time should Nifty Personal Loans consider the number of loan applications has exceeded the financial capital for Nifty Personal Loans. Nifty Finance Pty Ltd t/a Nifty Personal Loans ABN 29611111605. Australian Credit License 485862.
Why choose Nifty Personal Loans?
Save money on monthly fees
Our monthly fees are up to 25% cheaper than most of our competitors.
No credit inquires
We believe that your Credit History is history. We will not perform a credit check or a formal credit enquiry when you apply for a loan with us.
We are 100% Online
Applying with Nifty is easy. There’s no tiresome paperwork. Just jump on your computer or smartphone any time of the day.
We assess your loan quickly
Generally a loan decision is granted within an hour of us receiving your complete application during normal business hours.
Once approved we pay you fast
Once your online contract is accepted we will immediately transfer the money to your bank. The latest you will receive the funds will be overnight providing you are approved before 4.30pm AEST.
How it works
Complete our quick and simple 5 minute application form.
Decision within the hour
GET A DECISION
We assess you application and provide you with an outcome, usually within 60 mins during normal business hours.
GET PAID FAST
Once approved, and your online contract is accepted, we will transfer the money to your bank.
How to qualify for a nifty personal loan
You are at least 18 years of age.
You are an Australian Citizen or Permanent Resident.
Receive a regular income into a personal bank account.
Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.
Here’s how our fast personal loans work
Loan Amounts: Minimum $50 to Maximum $1,000.
Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 3%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).
Terms: Minimum 9 weeks to Maximum 24 weeks.
Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $45 (fees based on 3% per month over 10 weeks) = $645 total repayable in 10 weekly installments of $64.50.
The Nifty Mission
To empower every Australian in need of small amount credit with the ability to access our quick personal loans. To process loan applications swiftly and to the complete satisfaction of our customers. To be open and frank about our fees and charges. To provide second-to-none service. Nifty exists for you. We don’t mind saying we’re a money lender. After all, that’s exactly what we do. Small, quick, affordable, short-term, bad credit, unsecured personal cash loans to every day Australians. We are an online provider of small personal loans. They’re unsecured personal loans (we don’t register an interest in your car or anything like that). They’re short term – as short as you need them to be, we don’t do credit checks either. We understand that speed is important to you. When a situation arises where you need to borrow money quickly, we get that and we deliver.
Most applications are assessed within one hour. Whether it’s a bond loan or you need the money for any other unexpected event, Nifty’s online loans are quick and easy to apply for. We won’t treat you like a number or a liability like the more mainstream lenders. Whether you’re employed or get your income from Centrelink, you are welcome to apply with Nifty. We understand your wants and needs and our aim is to satisfy your requirements in the easiest and most efficient way possible. We want to establish a relationship with you so that you are comfortable dealing with us and communicating with us. We speak your language. It can be stressful taking on debt. We can help you to overcome that with easy repayment terms. When life throws up those challenges where fast cash today is critical, look no further than Nifty. You’ll never look back. We guarantee it!