Cash Loans Adelaide | Fast Loans When You Need Them | Apply Now!

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

*Only available for NPP enabled bank accounts

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.

Cash Loans Adelaide for When You Need a Helping Hand, Fast!

Apply for loans up to $5,000 online!

Knowing who to trust when you’re trying to find the right loan for your needs can be overwhelming, to say the least. Whether you’ve been scrolling through lender after lender, or are tossing up between a few likely prospects, and you’re still no closer to locking in that small personal loan, it can feel like you’re getting nowhere, fast. That’s where Nifty comes in. Nifty specialises in fast cash loans Adelaide, so you can trust that you’re in good hands.

Whether you’re looking for small personal loans, holiday loans or an emergency vet loan, Nifty is here to help. If you’re stuck between a rock and a hard place financially, Nifty can lend a hand.  For an interesting read, scope out Privacy & the FB Scandal here.

Cash Loans Adelaide

What are cash loans Adelaide?

Cash loans Adelaide are quite simply small personal loans that you can apply for when you’re a bit short on cash. Designed to be that helping hand you need, Nifty’s cash loans are super flexible and super speedy to apply for. Ranging from $300 to $5,000, we really do have something for everyone. Because our cash loans Adelaide are so versatile, trust that when life hands you that unexpected, and not always welcome, surprise, you have that much-needed versatility in Nifty. Because Nifty’s loans are 100% online, you can apply from anywhere, whether you live in North Adelaide, Burnside, Glenelg, Beaumont, Erindale, Hazelwood Park, Kensington Gardens, Magill or Athelstone. So, whether you need to apply for $300 or $5,000, we have you covered.

What can I use my cash loans Adelaide for?

Cash loans Adelaide can be used for plenty of different reasons! Perhaps you need a hand with some much-needed car repairs. Life may have decided to hit you with an unexpectedly large power bill, or your washing machine just died and you have to get the kids sports uniforms through the wash ASAP. No worries. Maybe you’ve even decided to finally put a deposit down on that dream holiday. Whatever your reason for applying for a loan, Nifty can help.

We understand that sometimes you just don’t have the savings to cover an expected bill. And that’s okay. That’s why Nifty is here to help. We’re experts at giving you that helping hand when you need it most.

Will Nifty contact my employer?

Talking about money has become taboo in our modern culture. As such, it can be embarrassing applying for a loan and having people such as our employers think we might be struggling a bit. While we may need to contact your employer to verify your employment status and request additional information, know that Nifty will never let an employer know the reason for our call. Our team of specially trained consultants are incredibly discreet and will never give out personal information.

Who can apply for cash loans Adelaide?

Nifty’s eligibility criteria is pretty simple. These days, no one has time to sit down and try to figure out a bunch of complex and vague rules about who can and cannot apply. Who even has that kind of spare time these days? So, rather than sitting there wondering if you’re eligible to apply for cash loans Adelaide, simply take a look at our easy application criteria. If you can comfortably tick the following boxes then you’re eligible to apply with Nifty. It’s that simple!

  • You must be at least 18-years of age at the time of application;
  • You must have a regular income for at least the last 3-months being deposited into a personal bank account;
  • You must have an active Australian phone number and email address;
  • You must have internet banking set up.
  • You must be an Australian citizen or permanent resident;

If you answered ‘yes’ to our simple application criteria, then you’re good to go. Submit an application now and you could have your answer in as little as 60-minutes (If you apply during regular AEST business hours)

Can I apply if I receive Centrelink?

Yes! If you receive Centrelink, you’re more than welcome to apply. We’ve been able to help many clients who receive Centrelink benefits to successfully access the finance they need. As long as you can show that you have been receiving a regular Centrelink income into your bank account for at least the last 3 months, you can feel free to submit an application for cash loans Adelaide with Nifty. We know that it can sometimes be pretty tough accessing personal finance when you’re receiving Centrelink, especially through traditional lenders like banks and credit unions. Nifty, however, believes in giving everyone the fair go they deserve – Centrelink, bad credit and all!

How do I apply for cash loans Adelaide?

It’s the 21st Century, and as such, our application process has been designed with speed and simplicity in mind. In this fast-paced world, who has the time to head down to the bank, wait in a lengthy queue, and then wait another week or two for your outcome? Not us! And we’re guessing not you either. We’ve designed a 100% online application that should only take you a couple of minutes. Yes, that’s correct. In just a few minutes you could be relaxing while we get to work assessing your application. Keen to find out more and learn just how easy it actually is? Read on.

Submit your application online

To begin your application simply scroll up and let us know how much you’re looking to borrow and the repayment term using our convenient loan calculator and click on the ‘Apply Now’ button to get your application off to a speedy start.

Fill in the loan application form

Now we’ll ask you to provide us with a few details such as your name, D.O.B, employment status and also your reason for applying for cash loans Adelaide. We grab these details from you so that we can get to know you a little bit better. Once you’ve filled these details in hit ‘Submit’. This process should only take you a few minutes.

We get to work assessing your application

You’re all done and now it’s all up to our team of assessment specialists to get to work assessing your application. Our team will conduct a thorough assessment of your application, and depending on when you applied, you could have your outcome in as little as 60-minutes.

If you applied outside of our business hours (AEST) don’t panic too much if you don’t hear back from us straight away, we’re probably not in the office, but we’ll get back to you first thing next business day.

Review your cash loans Adelaide agreement

If your application for a loan is successful, we’ll send you a digital copy of your loan agreement. We encourage everyone to thoroughly read through their contracts and to take note of some important details such as your repayment dates and amounts, as well as any fees or charges for late or failed payments. Once you’ve taken note of everything and you’re happy with your contract simply sign it and send it back to us. It’s that simple!

We send you your cash

Once we receive your signed contract we transfer your cash straight into your bank account. Depending on who you bank with, you could have your cash in your account in as little as 60-seconds (for NPP enabled bank accounts)! Otherwise, you should see your cash in your account within the next few hours, or at the very latest, overnight. Pretty Nifty huh?

Will you check my credit history?

Yes, here at Nifty we do conduct credit checks as a part of responsible lending practices. Don’t let that stop you applying though. We know that your credit score is only a part of your application and we do not base our assessment solely on that score.

Our assessment experts look at a number of different aspects when they’re assessing your application. We take into account your employment status, spending habits, income, your credit score and your overall relationship with money to get a good understanding of whether or not you have the means to meet the repayments on any cash loans Adelaide.

So, don’t fret when we mention a credit check. It is simply a part of responsible lending, and definitely isn’t the be-all and end-all of your application. Yes, it’s important, but no, it isn’t the only thing we take into consideration.

What do I need for my application?

When you submit your application for cash loans Adelaide, we’ll ask you for some vital pieces of information. We require this information so that we can ensure we are conducting a thorough and accurate assessment of your application. By having the following information handy, you can be sure that your application process will be fast, accurate and easy:

  • Your personal details – name, D.O.B, address, phone number;
  •  Employment details and their contact information (we may need to get in touch if we need to verify your employment status).
  • Your reason for applying for cash loans Adelaide;
  • Your internet banking details – so that we can secure a read-only copy of your recent bank statements;
  • Your MyGov login details (this is only applicable if you receive Centrelink or Government benefits) so you can attach a copy of your Income Statement to your application;

Why choose Nifty for cash loans Adelaide?

When you apply for cash loans Adelaide with Nifty, you can be sure that we’re going to take the time to treat you and your application with the respect and diligence that you deserve. Why? Because we genuinely care. We believe that everyone should have the chance to apply for the extra funds that they need and that everyone deserves a fair go.

We’re more than just a company. We’re the team you reach out to when you need a helping hand. Not only do we specialise in easy, fast loans with super fast assessment outcomes, but we’re always willing to go that extra mile to help out our customers. Once a part of the Nifty family, always a part of the Nifty family.

The prevalent attitude these days seems to be that we’re all adults and are supposed to have our lives together, right? Well, Nifty knows different. We know that people don’t always have spare cash when the unexpected happens, and that’s okay.

Don’t let life dictate to you or kick you when you’re down. Instead, trust that Nifty has your back and is always here to help. Apply for a small personal loan today and see just how Nifty can help you out. Scroll up and apply now!

Nifty are responsible lenders

Here at Nifty, we’re big believers in responsible lending. In fact, you could probably call us self-proclaimed responsible lenders. But what does this actually mean to you, our valued customers? It basically means that we will not lend money to applicants that do not have the means to make their repayments. We assure that we don’t lend money to someone who doesn’t have the means to repay by undertaking thorough and accurate assessments of every application that we receive.

Our goal in providing someone with a personal loan is to give them a helping hand when they need one, not pushing them into debt they cannot afford. If we determine that an applicant will not be able to comfortably afford repayments of a loan, then we will not approve them. It’s that simple. This is our commitment to responsible lending.

Ready to Apply for cash loans Adelaide?

To recap, here are all the important points regarding cash loans Adelaide that you should keep in mind:

LoansPersonal loans between $300 and $5,000
TermTerms vary between 9 and 24 months depending on loan amounts
EligibilityYou must be 18-years or older; be an Australian citizen or a permanent resident; be receiving a regular work income into a personal bank account for the last three months; have internet banking set up; have an Australian phone number and email address
DocumentationsYou must provide us with some personal details (such as your name, date of birth, address etc), and contact details (such as your email address and mobile number).

If you have any questions about our procedures, responsible lending practices, want to check up on the status of an application you submitted or want to clarify any part of your contract or repayments, please don’t hesitate to give us a quick call on 1300 471 328.

cash loans Adelaide

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Loan Costs

Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts:$2,001 - $4,600
Terms:9 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
View Example

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36
View Loan Details
Small Loans

Small Loans

$300 - $2,000

Loan amounts:$300 - $2,000
Terms:6 - 9 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
View Example

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
View Loan Details
* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts:$300 - $2,000
Terms:6 - 9 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
View Example

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts:$2,001 - $4,600
Terms:9 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
View Example

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.