Fast Loans | Speedy Cash Loans from $2,100 to $15,000
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We're a part of the award winning Jacaranda Finance group.

Learn more about Jacaranda

Here's what you can expect:

  • Outstanding customer service
  • 60-second transfers once approved3
  • Fast applications1 and same-day loan outcomes2
  • Check if you qualify - no impact on your credit score
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

Get the cash you need, fast

When life takes an unexpected turn and you need quick cash, you don’t have time to waste. Whether your car has broken down or you’re facing unexpected bills, the last thing you want to deal with is long waiting times or stacks of paperwork. Fortunately, this is where Nifty Loans can help.

We are one of the fastest lenders in Australia. We strive to deliver our outcomes on the same day* and, once approved, you could receive your cash in your bank account in just 60-seconds**.

Let Nifty lend a hand

Nifty Loans specialises in quick and easy short-term loans online. We operate 100% online across Australia, meaning you can apply for $2,100 to $15,000 anywhere, any time. We are proudly Australian owned and operated. Our dedicated loan specialists work with hundreds of Aussies every day to find the best loan for their needs. Whether you have good or poor credit, apply for a fast loan with Nifty Loans for a fair go.

Why choose Nifty for fast loans?

Our technology

We’ve developed our very own advanced loan-processing engine, with our customers’ needs first in mind. This allows us, as an inclusive lender, to provide fair loans to customers, even if they have a poor credit history.

Our speed

We’re pretty nifty when it comes to both processing and delivering loans. We will aim to process your loan application on the same day*. If you have an NPP-enabled bank account (which is 90% of bank accounts), you’ll likely receive your cash in just 60-seconds**.

We’re Australian

Nifty Loans is completely Australian owned and operated. Our team is based in Brisbane, so we understand your needs. Our friendly customer service team is more than happy to help with anything you need. Just give us a call or email us with any questions or concerns you have.

100% online

We are a 100% online lender. This means no old-fashioned paperwork or long waiting times when applying for our fast loans online.

Am I eligible?
  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have internet banking
  • Have an active email address and mobile phone number
  • Have had a consistent income for the last 90 days
What do I need to apply?
  • Personal details (name, address, D.O.B.)
  • 100 points of ID
  • The reason for your loan
  • Internet banking details
  • Employment details and contact info

Our Happy Customers

"My first time taking out a nifty loan... very easy format to understand..excellent response within in minutes..Thankyou Nifty"
Aaron Knitter
"Niffy loans were fast approval and friendly staff great service and they helped me when nobody else would I would recommend them to everyone"
Danielle Arenelli
"Easy and convenient 👌"
Alexander Nikolovski
"In less than 15 mins after applying, I recieved email being approved. Then 2 min after that it was in my Bank ! Amazing. Easy no hassle applying 👌"
Allen Reeks
"fast efficient service and clear instructions on Application"
Amanda Borg
"Really helpful and easy to sign up! Highly recommended."
April Brown
"Easy application process and fast response and deposit."
ashlee staples
"Really fast service. Logged in and applied, and recieved the loan within the hour. Very reliable and quick would strongly recommend using."
Anthony Squadrito
"Very good experience! Quick easy and very accessible."
Bevan Dickerson

What can I use my fast loan for?

Our fast cash loans can be used for almost anything. Here are some of the common reasons people apply for a fast personal loan:

Dental bills

What’s more scary than a dentist appointment? The bill afterwards! Let Nifty take the stress out of paying your dental bills.

White goods

Has your fridge or washing machine broken down? Don’t stress! Get a Nifty fast loan to help cover the costs.

Holidays

Whether you want to relax at the beach or go on a skiing adventure, Nifty can lend you the money.

Car registration

Time to renew your car registration? A fast loan can help pay your car rego.

Renovations

Want to spruce up your bathroom or kitchen? Allow us to help fund your home improvements.

Car repairs

Let us take the stress out of paying for your car repair.

Got questions about our fast loans?

Want to know more about fast loans? Find out the answers to some of the most frequently asked questions we get!

What is a fast loan?

A fast loan is a personal loan that you can access quickly without the hassle of visiting a bank or waiting days for an outcome. We all know that a pesky car rego or insurance bill can crop up when you least expect it. Applying for a fast cash loan could be just what you need to help tie up those loose ends.

Our loans are designed to assist you when life throws a curveball your way. At Nifty, we offer fast easy loans from $2,100 to $15,000, with the repayment period depending on what you borrow. You can submit an application in minutes, have an outcome on the same day*, and receive money in your bank account in just 60 seconds**. Simply scroll up and use our loan calculator to get started today!

Will you check my credit score?

As a responsible lender, we must make reasonable enquiries to ensure a personal loan is suitable for our customers. In line with this, we may conduct a credit check. If you have a bad credit history, don’t fret! We are also inclusive lenders, which means we will always give you a fair go.

Can I get a fast loan if I have bad credit?

At Nifty, we are proud to be giving all Aussies a fair go when they’re looking for fast personal loans today. If you have bad credit, there’s no need to stress. We’ve provided thousands of everyday Aussies with bad credit loans. We look at your current financial situation and other factors to determine if you can reasonably manage your loan repayments.

How do you assess my loan application?

Once you submit an application, our loan processing engine will extract read-only copies of, at least, the 90 days of your bank statements. This will help us verify your income and determine whether you can reasonably manage a loan. If we approve your application, we’ll send through a loan contract for you to read and sign. From here, you can choose to either accept or decline the offer, it’s up to you!

What are the fees and charges?

The fees and charges applicable to your personal loan will depend on the amount borrowed and your credit history. Before entering into a loan agreement, a credit guide detailing all of the fees and charges will be available for you to look at. Some of the fees and charges you might expect include interest charges, establishment fees, monthly fees, and late fees (if applicable).

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