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?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

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?

That’s where we come in! We get that life doesn’t always go as planned, and it’s in those times when you need a helping hand from someone you can trust.

What is a cash advance?

So, I can hear some of you asking, ‘what exactly is a cash advance?’ Well, 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. You apply online and, if your application is successful, you can receive your money as quickly as that same day.

A cash advance is, in fact, a type of loan. Meaning you borrow money from us, then you repay to us at a later date with interest attached. A cash advance is similar to a credit card cash advance, except our advance loans go directly into your account!

Why get a cash advance with Nifty?

We are leaders in cash advance now loans and there are several reasons as to why that is. Here is a list of the reasons why:

  1. Our cash loan application is 100% online and we even consider bad credit. We also do bad credit loans.
  2. We assess your loan quickly and generally, a loan decision could be granted within 60 minutes 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!
  5. Our fees (link to costs page) are completely transparent! You won’t have to worry about being sprung with any unexpected costs. Everything is completely upfront.

How much can you borrow with Nifty?

At Nifty we do two types of cash advance loans. We do both a small unsecured cash advance, as well as a medium secured cash advance.

With our smaller loans, you can borrow between $300 and $2,000 that you can repay over a period of 3 to 6 months. Alternatively, you can also get a medium secured cash advance from $2,100 to $4,600 that you can repay over 13 – 24 months.

How much does it cost to get cash advance from Nifty Loans?

As we are proud to state, our cash advance costs are completely transparent! We have two different structures: one for our smaller cash advances, and one for our larger, secured cash advances.

Small cash advance costs

With our smaller cash advances from $300 to $2,000, the cost structure includes an establishment fee of 20% plus additional fees of 4% per month. To give you an example, say that you want to borrow $1,000 that you repay over 4 months. The establishment fee will be $200 plus additional monthly fees totalling $160. Therefore, the total repayment amount will come to weekly repayments of $85, fortnightly repayments of $170 or monthly repayments of $340.

Medium cash advance costs

With our larger cash advances from $2,100 to $4,600, there is an establishment fee of $400. The additional fees are 48% per annum or a comparison rate of 66.0347%. If we look at an example, say you want to borrow $3000 that you repay over 18 months. The establishment fee will be $400 plus additional fees totalling $1378.87. Therefore the total repayment amount will be $4840.14. Weekly repayments will be $61.19, fortnightly payments will be $122.77 and monthly repayments will be $268.21.

Penalty fee

Unfortunately, we do have a penalty fee of $27.50 per missed payment. However, if you make your payments on time each repayment interval, you won’t have to worry about being charged this fee. And that’s it for our cash advance costs!

How do repayments work?

Repayments work by setting up a direct debit so that your repayments come out of your account automatically. This can be organised to come out on a weekly, fortnightly or monthly basis. It’s a good idea to set up your payments to come out of your account around the same time you get paid.

How to apply for cash advance loans?

The way our loans work is very simple, and can be explained in 3 simple steps! Here’s what our cash advance process looks like:

step 1: apply online

Complete our quick and simple 2-3 minute application form, which you can find on our homepage (link). Here, it will ask you a few questions about the purpose of your loan as well as some personal details. Then, just click submit!

step 2: decision within the hour

We assess your application and provide you with an outcome, usually within 60 minutes during normal business hours. As soon as we have made an offer on your application, we will let you know straight away!

step 3: get your money fast!

Once we approve your loan application and you accept your online contract, we will transfer the money to your bank account. If you are with Commonwealth Bank you can even receive your funds as early as that same day.

What information do you need to apply for a cash advance?

To apply for a cash advance loan you will need to provide a few documents to support your application. Here is a list of some of the things we need from you in order to process your cash advance application:

  • 100 points of ID
  • Your internet banking logins, so you’ll need to have internet banking setup
  • A contact number and email address.

Do you do instant cash advance online no credit check?

For cash advances under $400, we don’t do credit checks. You simply fill out our application form online and click submit. We will do credit checks for loan amounts above $400. However, we do assess applications on a case by case basis, so it’s worth applying anyway.

Wow, same day cash advances that’s pretty quick!

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

We are 100% online, just complete our 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 you accept your online loan contract we will transfer the money to your bank account! Then you can receive the funds overnight as long as we approve your application before 4:30 pm AEST. No waiting around to receive an outcome of your application, we’ll let you know straight away!

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!

Why do people need cash advances?

There are several reasons why people may need a cash advance. There are many things that crop up in life, meaning that life doesn’t always go as planned. The most common reasons people choose to get cash advances are listed below:

Household items

This includes things like white goods and other large, important furniture items. These are usually very expensive, and if your fridge breaks down unexpectedly, this is something you can’t live without for very long.

Car registration

Believe it or not, car registration is one of the biggest reasons people apply for personal loans. That’s because it’s a big sum of money that you have to pay all at once, and people don’t always have these funds readily available. There is now the option that allows you to pay twice a year, meaning that the cost is much more manageable.

Car repairs

Another reason people borrow money is in order to make an unexpected car repair. Not everyone has comprehensive insurance, meaning any damages made to your car have to be covered by you. Alternatively, if you do have car insurance you may have to pay an excess fee and this can even be as much as $1,000.

Childcare costs

In Australia, childcare is incredibly expensive. It can be difficult for parents to cover these costs, even with the child care subsidy from Centrelink.

Professional training

Another reason people may want to borrow a loan is in order to pay for a professional training course. If people want to up-skill in order to land a job, they may need to take a course to make them more employable.

Emergency travel costs

If you are travelling and have an emergency, a cash advance online can help you get out of a pickle. For instance, what would you do if your credit card stopped working? You could quickly apply for a cash advance and your problems would be solved straight away.

Questions to ask yourself before you get a loan?

Getting a loan is a not a decision to be made lightly. You may really need the finances, but it’s still important to remember that you are entering into a contract and have a financial commitment to repay your loan. Here is a list of some of the important things to keep in mind before applying for a cash advance:

What is the purpose of your cash advance?

This is an important question to ask yourself when it comes to deciding whether to get a loan or-or not. Is the reason you need a cash advance 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 eligibility requirements that you need to meet in order to be eligible for a loan. Otherwise, if you do not meet the eligibility requirements you will not get approved.

Can you afford the repayments?

While we do make a financial assessment on every applicant to ensure they are able to afford to repay the loan, it’s still important for you to check whether you can comfortably fit the repayments into your budget. Otherwise, you could end up getting yourself into an unmanageable debt situation.

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

Another important question to ask yourself before you dive into getting a loan is whether you agree with and will be able to comply with all the conditions of the loan contract. Once 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 accept!

So why choose Nifty Loans?

In summary…why not choose Nifty Loans? We’re fast, we’re fair and we’re here for you when you need help getting back your financial stability and success! At Nifty we put our people first, and that means you. So, what are you waiting for? Start your partnership with Nifty Loans NOW!

who can apply?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

How customers rate Nifty’s Personal Loans
plf Overall rating: 4.4 out of 5 based on 55 reviews.

Nifty Personal Loan is the best!

5 5 1
Nice and quick. I was kept well informed in every step. So far so good.


4 5 1
Excellent! Very prompt and efficient!


4 5 1
Prompt Response. Clear understanding of requirement and helpful customer service.


5 5 1
Quick, easy and fast service!

Personal Loan

5 5 1
Amazing and easy to use. Absolutely great system. I love how you guys investigate bad credit rather than fail applications. I am very happy overall, and I will use your services again.


5 5 1
quick approval, pleasant experience.


4 5 1
Great and amazing service, would recommend you to anyone without hesitation.

quick personal loans service

5 5 1
Extremely dependable and effective service.

thank you

3 5 1
The application process was really simple and friendly customer support. No issues up to this point.

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