Cash Advance | $300-$5000 | Fast Outcomes | 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.*

Tell me more!

*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.*

Tell me more!

*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.

What Is A Cash Advance, How Do They Work And Who Can Apply? Nifty Investigates

cash advance

What does cash advance mean?

A cash advance allows credit cardholders to withdraw cash from an ATM or at their bank within the restrictions of their credit limit. Withdrawing money from your credit card can be very costly to your wallet, so before taking out a cash advance, get to know the facts. 

Can I get cash advance online in minutes?

Generally, you can obtain a cash advance via an ATM, bank branch or other financial agencies. Most financial institutions don’t offer this cash online, you generally have to physically withdraw the credit advance from an institution. 

On the other hand, you can apply online in minutes for a personal loan with Nifty Loans! Nifty Loans is a trusted online lender that provides a loan when ‘whoops’ happens. Whether your car breaks down on the way to work, or your kitchen is flooded – you can apply for a Nifty loan instantly. 

Are there any loans with no credit checks?

Typically, loans that don’t require a credit check may be referred to as payday loans or cash advance loans and are different from the cash you withdraw from your credit card. If you’re worried about your credit score, then you may be googling ‘instant cash advance online no credit check’, or ‘cash advance no credit check’. That’s when you can choose a lender that gives you a fair go at the loan you need.

Can I get a cash advance loan?

A cash advance loan can refer to an online instant cash loan that you borrow over a short period. Your cash advance interest rate loan will differ depending on the lender you choose. 

Traditionally, Payday loans or cash advance loans were loans that were taken and paid in full by the client’s next payday. However, these types of loans were made illegal. Nowadays, ‘Payday’ loans are synonymous with SACC loans. Most people searching for payday loans are after a fast cash loan with quick outcomes and instant payouts.

Nifty Loans provides fast personal loans between $300 and $5,000. The repayment period will depend on the amount you choose to borrow. If you’re looking for the speed and convenience of a cash advance, coupled with the security of a responsible lender, then you’ve found it. It’s Nifty Loans. 

You can complete our application in minutes, receive a speedy loan outcome within the hour* and if approved, have the money sent straight to your bank and ready to use in 60 seconds**. 

What is a cash loan?

Instant cash loans are personal loans that are usually borrowed for a short period. The costs of cash loans vary depending on the lender and your financial situation. The repayment period may also depend on how much you borrow.

If you’re running low and don’t have the funds to cover your electricity bill or medical expense (just to name a few), why not give Nifty a call? You could be eligible for an instant cash loan up to $5,000 right now! The best part is you can apply 100% online anytime anywhere.

Where can I borrow money ASAP?

You can borrow money from an online lender quickly, without the hassle of lengthy paperwork and endless meetings. Online lenders typically offer personal loans for a variety of reasons, including car repairs and other emergency expenses.

Nifty Loans is a trusted name in online lending. We give Aussies the fair go they deserve by taking a realistic look at your financial situation. Our team looks beyond your credit score and assess your current relationship with money, such as your income and spending habits. 

We always do our best to match you with a personal loan that is right for your individual circumstances. On the other hand, we’re also committed to doing the right thing by our customers. Our team will never lend cash to an individual that we believe cannot afford to make the repayments. 

At Nifty, we don’t think loan approval should take weeks. You should have access to the cash you need in minutes. With Nifty, it’s possible. Gone are the days of long waiting lines at the bank. You can apply for a personal loan with Nifty in minutes and have the outcome you need within the hour*. If approved, you could have your money in the bank and ready to use in 60 seconds**. Why wait? Get started today.

Can I apply for a personal loan?

Below are the requirements to meet if you’d like to apply for a quick personal loan:

  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90 days into a bank account that is your own;
  • Applicants must have an active mobile phone number and email address that we can contact you on; 
  • Use internet banking.

We’re an online lender that provides personal loans for a variety of expenses between $300 and $5,000. If you have questions regarding our application criteria, you can get in touch with the Nifty team or head to our FAQ page for more information.  

What do you need for a fast loan?

To qualify for a personal loan, you need to submit the following information with your application:

  • Personal details such as an active mobile number and email address; 
  • Internet banking details
  • The reason for your loan
  • Your MyGov details (if you’re receiving Centrelink payments);
  • Employer and contact details.

When you apply we won’t waste your time with a lengthy application – you can submit your form in minutes. We ask for a few bits of information, so you don’t have to submit physical paperwork with your application. We make it easier to access the loan you need when you need it most.

What types of personal loans do we provide?

The types of loans available will depend on the online lender you choose. Below are the types of personal loans we provide:

Loan type Loan amount Loan term
Unsecured $300 to $2,000 6 to 9 months
Secured $2,000 to $4,600 9 to 24 months
Secured $5,000 9 to 24 months

Found a loan option that suits you? Use our loan calculator located at the top of this page to apply right now!

How do the repayments work?

If your application is approved, the Nifty team will organise for repayments to be directly debited from your account throughout your loan. Our team can organise the repayments in line with your income so there will always be a sufficient amount of cash in your account. 

Also, if you think that you will be unable to make a repayment, our team encourage you to get in touch as soon as possible. The Nifty team will always do their best to arrange an alternative payment schedule if you contact them 24 hours before your next payment is due.

How can I get a loan fast?

Apply today and get a loan fast without the hassle of visiting a bank. Online lenders can provide such fast loans they may seem instant. When you choose Nifty Loans as your online lender, all you need to do is follow the three simple steps below:

Step 1: Apply online

To begin your loan application, scroll up to find our loan calculator. Here, we will ask you to pick your desired loan amount and the repayment period. Then, hit the ‘Apply Now’ button!

You’ll be directed to our 100% online application. This could only take a few minutes to complete. We’ll just ask you to provide a few important details so we can conduct a thorough assessment of your loan application. 

Step 2: We assess your application 

You can sit back and relax – our team will do all the hard work. We assess your application and provide you with an outcome, usually within 60 minutes*. As soon as we have an outcome on your application, we will let you know straight away!

Step 3: Money in 60 seconds** 

If our team have successfully matched you with an appropriate loan product, we’ll contact you directly. Our team will send over an agreement for you to review, sign and send back. Our team encourage all applicants to read through their agreement and make themselves aware of any fees or charges associated with late or failed payments. When you’re happy, just sign and send it back to us.  

Once we receive your agreement, our team will transfer the cash straight to your account. Thanks to instant banking you could have the money in your account and ready to use in just 60 seconds**. 

What are the top 8 reasons to apply for a cash advance loan?

  1. Car repairs
  2. Debt consolidation
  3. Wedding expenses
  4. Air conditioning
  5. Swimming pools
  6. Renovation costs
  7. Travel expenses
  8. Unexpected bills

There are a variety of reasons to apply for a personal loan. If you’ve been googling ‘cash advance rate’ it is essential to remember that Nifty does not provide cash withdrawal services. You can, however, apply for a personal loan between $300 and $5,000 very quickly! Scroll up and get started today.

Questions to ask yourself before you get a cash advance loan

When getting a loan, you need to ask yourself a few questions to make sure it’s the right choice for you. You may really need the money, but it’s important to remember that you’re entering into a contract and have a financial commitment to repay your loan. 

Below is a list of some of the essential things to keep in mind before applying for a quick cash loan:

What is the purpose of your loan?

This is an important question to ask yourself when it comes to deciding whether to get a loan or not. Is the reason you need personal loan urgent? Or can your purchase wait until it is a more convenient time?

Have you met the eligibility requirements?

We only have a few basic requirements to meet before you can apply. If you do not meet the eligibility requirements, our team will, unfortunately, not be able to approve your cash advance loan application.

Do I agree with the terms and conditions of the loan contract?

Ask yourself before you dive into getting a loan whether you agree with and will be able to comply with all the conditions of the loan contract. If we approve your application, we’ll extend you an offer and send you the loan contract. If there is anything that you disagree with or are not happy with, you can choose to decline the offer if you wish. However, if you are happy with all the terms outlined in the loan contract, you can go ahead and accept!

Ready to apply for cash advance?

Great! Use our personal loan calculator located at the top of this page to begin your application. Why wait? Apply for the loan you need now.

For more information about 1-hour cash advance, direct lenders visit the MoneySmart website.

*subject to when you subject your application.

**NPP enabled bank accounts. 

What Is A Cash Advance, How Do They Work And Who Can Apply? Nifty Investigates Overall rating: ★★★★★ 4.6 based on 232 reviews
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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
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.