How To Become Debt Free Fast

debt to income ratio

Are you tired of being bombarded by calls from debt collectors? Want to restart your life, debt-free?

Let us help you live a debt-free life. You deserve to live your life without the unwanted stress that bad debt brings.

This can be done and resolved in no longer than 60 minutes.

Fast Personal Loans

Is it fast personal loans if they cannot be resolved in 60 minutes?

Get in touch with one of our agents at Nifty.

image How To Become Debt Free Fast

After applicants complete our application forms, they usually get a response immediately. However, if that’s not the case, you will receive an answer within 60 minutes.

Why wait when you can have the cash in your bank in less than 65 seconds of approval.

This is why we have a rating of 4.5 stars and have won four out of the last six service awards since 2016.

Instant Cash For Bad Credit

Are you worried about not being granted a loan because of your bad credit? Well, at Nifty, the only thing that matters is now.

If you can show and prove you have a positive relationship with how you handle your money, you are well on your way to getting that loan.

You can apply for loans anywhere from $500 to $10,000! Your periodic payment will be calculated depending on the amount you have requested to borrow.

Benefits Of Personal Loans

One of the positives when contemplating taking out a personal loan with Nifty is that there is no need for collateral. These loans are unsecured, so you do not have to provide collateral to receive them.

They also build your credit score, which will, in most cases, help you qualify for the best interest rates.

When your interest rates are low, the easier and sooner you will pay off your debt and have money available to spend on whatever you like.

Why Choose Us?

Simply because we are 100% online, and there is no paperwork needed besides the online application you are required to submit.

Our turnaround is second to none, with swift customer service and instant cash loans online 24 7. Our agents are dedicated to assisting everyone while doing it without delay. 

So if you have a minute or two to spare, get yourself a loan at Nifty and receive your cash in 60 seconds.

What’s Needed

All you need is a cell phone, desktop, or laptop with internet access! 

And with the help of our team and state-of-the-art technology, we can make it happen.

To Qualify

  • You need to be an Australian citizen or permanent resident and over the age of 18.
  • An operational email address and mobile number.
  • Proof of a stable income for three months.


When referring to documents, we merely need your personal information to verify that you are indeed who you claim you are.

We need your contact details to help us contact you so that one of our agents can inform you whether you have been approved or not.

Lastly, provide the reason why you would like the loan, and your internet banking details.

Loan Costs

Depending on the amount you are asking for, the repayments may differ slightly.

Small Loans

These range from $500 to $2,000

  • Loan amount:


  • Terms:
  • 12 Months (52 weekly repayments)
  • Establishment fee:


  • Total other fees:


  • Total payable:


  • Weekly installments:


Medium Loans

These range from $2,001 to $4,600

  • Loan amounts:


  • Terms:

  24 Months (104 weekly repayments)

  • Establishment fee:


  • Total other fees:

 $1,609.44 (reducing interest)

  • Total payable:


  • Weekly installments:


Large Loans

These range from $5,000 to $10,000

  • Loan amounts:


  • Terms:

  18 months (78 weekly repayments)

  • Establishment fee and Total Interest:


  • Total payable:


  • Weekly installments:


Spending Your Cash

You can spend your cash however you want, whether you face a medical emergency and need quick cash or paying off existing debt.

You could even use your cash to spoil yourself and a loved one on a special trip or even home renovations.


Quick personal loans are one of the most effective and trusted ways to get cash all around the world.

Thousands of Aussies have used Nifty because of the simple and quick response time.

Live debt-free and get yourself cash in 60 seconds!