Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Cash Advance – Quick, Easy and 100% online – No paperwork! Apply Now with Nifty Personal Loans

How much cash do you want?
How long do you want it for?
Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
  • you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).

Nifty Personal Loans – the best in same day online cash advance!

From time to time we all find ourselves in situations where credit cards aren’t accepted or welcomed as a form of payment.

So if you don’t have enough money in your bank account to cover the expense of a broken down car, electricity bill or phone bill or even that unexpected trip to see a sick loved one – have you considered a cash advance?

So I can hear some of you asking – what is a Cash Advance?

Put simply, a cash advance is a short term loan to help you make those life hiccups a little easier to deal with.

This cash advance includes an agreement where the borrower must repay the original loan, plus informed fees, over a defined period of time.

We are leaders in “cash advance now” loans. Why?

  1. Our cash loan application is a 100% online and requires no credit check up to $400.
  2. We assess your loan quickly and generally a loan decision is granted within 60 min of us receiving your complete application during normal business hours.
  3. All you need is a regular paycheck from an employer or centrelink to apply! Simply follow the 3 easy steps set out in our online cash advance application. Don’t wait! It only takes up to 5 minutes!
  4. We assess your loan quickly, once you are approved we pay your loan amount into your bank account, mostly within the same day!

Wow same day cash advances that’s pretty quick!

We understand that things don’t always go to plan and mistakes are easily made, but we can help! Apply now and Nifty can set you up with a fast cash advance loan in 60 minutes!

We are 100% online, just complete our 5 minute application form and provided you have a regular paycheck problem solved! It’s time to move onward and upward!

Once approved we pay you fast!

Once your online contract is accepted we will transfer the money to your bank account, the you can receive the funds overnight providing you are approved before 4:30 pm AEST.

A Nifty personal loan is easier on the pocket than you’d expect!

Because Nifty cares about you and no business is too small for us! We will go out of our way to ensure that you are getting the loan you need – for the amount that best suits your situation.

Also, unlike the slow processing bank application process which quite often won’t be successful because small loans aren’t profitable for them. Our “cash advance now” system can happen in just a few hours!

So how does a Nifty cash advance online work?

STEP 1: APPLY ONLINE

Complete our quick and simple 2-3 minute application form.

STEP 2: DECISION WITHIN THE HOUR

We assess your application and provide you with an outcome, usually within 60 minutes during normal business hours.

STEP 3: GET PAID FAST

Once approved and your online contract is accepted, we will transfer the money to your bank account.

So why choose Nifty?

Why not choose Nifty!!

We’re fast, we’re fair and we’re here for you when you need us to help you get back your financial stability and success!

Start your partnership with Nifty NOW!

Who would benefit from this product? Individuals who need cash advances
What do I need to be eligible for a cash advance?
  1. 18 years of age.
  2. Have a regular source of income
  3. Be a permanent resident of Australia
What are your loans terms? Loans terms will vary depending on loan amount. Range from 3-6 months.
Loan types available Fixed
Lender Nifty Personal Loans

TO QUALIFY FOR A NIFTY PERSONAL LOAN – YOU ARE:

At least 18 years of age.

An Australian Citizen or Permanent Resident.

A recipient of a regular income into a personal bank account.

Receiving at least $400 per week or $800 per fortnight from an employer or Centrelink.

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $100 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 9 weeks to Maximum 24 weeks.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

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Loan Amounts: Minimum $2001 to Maximum $4,000.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 12 months to Maximum 18 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty’s Cash Advances?

nca Overall rating: 5 out of 5 based on 4 reviews.

Cash Advance

★★★★★
5 5 1
Very quick and efficient. Would recommend to anyone, a great way to get funds when you're short at the end of the day

5 star service

★★★★★
5 5 1
I applied for a cash loan, and got approved. The money was in my account the same afternoon I applied. I can say that the people I was talking to over the phone were knowledgeable and easy to communicate with. I will definitely recommend Nifty Personal Loans to my friends.

Thank you Nifty

★★★★★
5 5 1
Have had no problems with this business they were happy to approve my loan to help me and my children out when in need with affordable payments.
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