Nifty Personal Loans are short term cash loan specialists! Folks in Queensland can apply for up to $4,600 in under 5 minutes. We’re 100% online = No hassle.

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(%)

Unexpected bill? Nifty Finance does everyday cash loans in Queensland

As locals ourselves, we know that it’s not always sunny in the sunshine state. In 2016 alone, on-road driving costs, tolls and fines increased at double the rate of inflation. Alongside jumps in the price of petrol, food and electricity earlier this year, Queenslanders are struggling to keep up with general living expenses – let alone having enough left over to keep savings.

This means when those unexpected costs hit, Queenslanders can’t find the funds they need and everyday people are feeling the pinch.

What can Nifty Finance do to help?

Well for starters, as a cash loan lender, we can offer you a loan. The Nifty Finance Queensland Everyday Cash Loan ranges from $300 – $4,600 and repayable over 3-24 months. But because were an awesome cash loan lender – we can offer you our loans with no paperwork and no hassle!

Nifty Finance is committed to being open and honest with its fees – and ensure that you will know from the very beginning exactly what your loan will cost.

Better yet – we guarantee it. Because we adhere to all relevant State and Federal legislation – your tailor made loan will only ever cost you the contracted amount and with the benefit of no early payout fees – you can sit back, relax and know your personal cash loan is in good hands.

“Did you know as many as 3 in 5 everyday people would be unable to find $500 in an emergency?”

What is a personal cash loan?

Well – put simply. A personal cash loan is a short term lending arrangement – where amounts up to $2,000 are borrowed and repaid over up to 6 months.

Staggeringly, more than 1 million Australians a year would not be able to access credit to fund unexpected day to day costs or emergency expenses from traditional banks or financial institutions.
It is for these people that short term cash loans exist.

What can I use a Nifty Finance Queensland Everyday Cash Loan for?

Nifty Finance is here for you. We understand that no two people are alike – therefore no two loans will be alike.

To cater for the individuality of the great state of Queensland we offer Nifty Finance QLD Everyday Cash Loan approvals for:

How your cash loan is protected in Queensland?

Due to the high demand of personal cash loans and the ‘last resort’ nature of short term lending, the Consumer Credit Legislation Amendment (Enhancements) Bill 2012 was passed.

This legislation outlines key guidelines governing non-bank lenders, which include:

  • Establishment fee capped 20% of the original loan amount
  • Monthly fees cap – 4% of the original loan amount
  • Debt Spiral cap – limits fees – capped at the same as original loan amount (debt spiral cap).

For example, if you borrow $100, the establishment fee would be $20 – the monthly fees would be $4 and the maximum amount you could be charged on the loan would be capped at $200.

What if I am on Centrelink?

If you are receiving Centrelink payments – you are also protected by the Australian Governments Protected Earnings Allowance (PEA). The PEA stops lenders from approving any loan that may require repayments 20%.

For example, if your regular Centrelink income is $100 a fortnight – your maximum fortnightly repayment could not exceed $20.

Ready to apply?

Great! We’re ready too. Simply send us your completed Nifty Finance Queensland Everyday Cash Loan to get the ball rolling. Get your life back into the sunshine and experience the Nifty Finance difference today!

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 Queensland Cash Loans?
queencl Overall rating: 4.6 out of 5 based on 3 reviews.

Best cash loans for queensland folks

5 5 1
Very easy to do a online loan application. Very fast response to find out if you get approved or not. Would go through them again for another loan in the future.

Was a real lifesaver

5 5 1
Great no hassle !! They are awesome helped me out a lot . Better then most queensland cash lenders 🙂 thank you .. Happy customer !!

Excellent service cash loan service

4 5 1
So fast, so simple. Excellent for those bills that you forgot to pay. Applied and had the money the same day. 2 thumbs up. Will be using the service again

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