Niftycredit helps you to manage your credit profile and your budget while offering personalised credit based on positive payment behaviour, which allows for better repayment terms.

Loan representation

Terms and conditions apply. APR:24.5% to 60%. Loan period: Minimum 1 month to maximum 6 months. Should a client wish to pay up his loan before his term ends he/she will be able to do so without any penalty fees. Interest and fees outstanding will thus be calculated pro-rata.

Quick nifty loans

How it works

We understand that life happens and more often than not you need cash in a hurry. So, to help get cash in your bank as fast as possible, we have developed a technologically advanced system that makes applying for an online loan with nifty super simple.


First you register with the usual information, name, ID, contact details, and email address.


Nifty checks your credit score and bank statement to calculate what you can afford monthly.

Tick boxes

Once registered there are a few legalities and tick boxes.

Quotation and application

You can decide whether you would like to apply for the amount on offer or not.

Helping you manage your money better.

Why niftycredit?

Flexible loans up to R12 000

Everyone is different. That is why we let you choose the loan amount to suit your needs and most importantly, what you can afford.

Easy online application

We understand urgency, so we have a quick and easy online application that takes no time at all, and you have access to 24/7.

Get your money fast

We've built our application process with you in mind. Our systems allow quick turnaround and your money will be available within minutes.

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