How do I apply and how does it work?

Here's how Nimble loans work in 3 easy steps:

  1. Simple application: Just apply online - whether you're on the go, at work, or from the comfort of your home.

  2. Get a decision: Once you've applied, we may contact you to verify the details you've provided in your application, then, you'll get a decision.

  3. If you're approved, get paid within 60 minutes of confirming your loan when you confirm your loan by 4:30pm AEST during banking days. Depending on your bank, you may be paid within minutes of confirming your loan 7 days a week, including public holidays.*

The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Terms, conditions, fees and charges apply, and are subject to change. Applications are subject to Nimble’s credit approval criteria. Redraw not available.

For our Small Personal Loans of $2,000 or less, an APR (Annual Percentage Rate) doesn't apply. These loans are fee-based only, and so they don't have an APR. The establishment fee is 20% of the amount borrowed and the monthly fee is 4% of the amount borrowed.

For our Medium Personal Loans between $2,050 and $5,000, the Annual Percentage Rate (APR) is 47.6158% (Comparison rate 65.6597% p.a.) and there is a $400 Establishment Fee. For our Medium Loans between $5,050 and $10,000, the Annual Percentage Rate (APR) is 47.6158% (Comparison rate 47.6158%) and there is no Establishment Fee.  

*Funds will generally be transferred within 60 minutes of the loan contract being signed between 9:00 am and 4:30 pm AEST on business days. Clearance times are subject to your bank.

Warning about borrowing