Need cash? No problem!

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

1 month

Minimum R250 | Maximum R1 000

2 months

Minimum R500 | Maximum R1 500

3 months

Minimum R500 | Maximum R2 500

4 months

Minimum R500 | Maximum R3 500

5 months

Minimum R1 000 | Maximum R5 000

6 months

Minimum R1 000 | Maximum R8 000

Get a loan today!

Loan representation
Loan representation Terms and conditions apply. APR:24.75% to 60%. Loan period: Minimum 3 months 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. Representative Example of loan: Loan amount R8 000, term 6 months, Annual Percentage Rate (APR) of 60%, plus Interest and Fees of 3,286.90 incl VAT and a monthly service fee of R69.00. Monthly instalment of R1 881,15 and total amount payable R11 286.90. Credit Cost Multiple: 1.3

Quick, Nifty Loans

How it works

We’re there for you when life happens and you need extra cash. Our advanced technology makes applying for an online loan with Nifty super simple, ensuring you get cash in your bank as quickly as possible.


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

Tick Boxes

Once registered there are a few legalities and tick boxes.


We check your credit score and bank statement to calculate what you can afford.

Quotation and application

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

Learn more

Helping you manage your money better

Why NiftyCredit

Flexible loans up to R8 000

Everyone is different. This is why we let you choose the loan amount that suits your needs and affordability.

Easy online application

When things are urgent, our quick and easy online application takes no time at all, and you have access to it 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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What our clients think

“Assistance with finance is hard to find but companies like nifty gives people like us a chance at life. Be grateful. Thanks once again.”

“Well done on the customer satisfaction and service that you as nifty offer.”

“I love the fact that there are no auto replies but a dedicated team to help all the time.”