Get Unexpected Expenses Sorted, Quickly! Apply for Cash Loans Australia

cash loans Australia

Looking for some quick cash to tide you over until next month after some unexpected bills? Or perhaps your bathroom has now become the swimming pool? Whatever your emergencies are, Nifty is here to help you with the cash you need. When your budget is tight, and there is very little breathing room, apply with Nifty today. We can provide fast cash loans Australia ranging from $300 to $5,000. The repayment period will depend on the amount you decide to borrow. No need to worry about running down to the bank, simply hop online and complete an application for a small loan today. It’s easy. That’s Nifty!

Before we dive into who is eligible and how to apply, we’d better introduce ourselves.

About us

Nifty Loans is committed to helping Aussies find the cash they need, without the hassle and headaches of traditional lenders. Nifty is different – we’re here to provide no fuss lending. We specialise in personal loans, big and small. We offer three types of loans; small loans from $300 $2,000, medium loans from $2,001 to $4,600 and large loans of $5,000. Each loan type has different costs and repayment periods, but more on that later.

At Nifty Loans, we welcome almost anyone to apply, bad credit and all. We take a different approach to lending. We don’t just focus on your credit score – we look at your current relationship with money. So, interested? Just scroll and apply today.

What are cash loans Australia?

Cash loans Australia are simply super speedy personal loans that you can apply for online, without jumping through the hoops of big banks. We don’t think lending should be complicated. That’s why when you apply it’s 100% online, with no pesky paperwork and completely headache-free! Sounds great, right? We think so too.

Sometimes everything is travelling along nicely, and then you’re hit with an unexpected bill and suddenly it’s chaos. The budget just doesn’t add up anymore. We’ve all been there. That’s when you apply with Nifty Loans. When times are tricky, we know the last thing you need is a draining application and endless hoops to jump through. So, instead, apply with Nifty Loans – it only takes a few minutes!

Who is eligible?

At Nifty Loans, we want to help Aussies find the cash they need. However, we do have a few little requirements to meet before you apply with Nifty Loans.

To apply you must:

  1. Be over 18 years of age
  2. Be an Australian citizen or permanent resident
  3. Have a regular income flowing into a personal account for at least 3 months
  4. Have an active mobile number and email address

That’s it! So, before you apply just make sure you meet these requirements.

What to have handy when you apply

Applying with Nifty Loans is super easy; all you really need is a few minutes of your time and laptop or phone in hand (of course, a cozy cuppa won’t hurt!).

Before you apply, have these things handy:

  • Personal contact details e.g. mobile number and email address
  • The reason for your loan
  • Internet banking details
  • MyGov details (if applicable)
  • Employment info

To make life a bit easier, have these details handy when you apply, so you won’t have to save your application half-finished. If you have any questions about our application and what details we ask for, contact our team on 1300 471 328 or send an email to

Why do we ask for your internet banking details?

We’ve all received that email from your bank or mobile provider and it’s telling you to re-enter your details or transfer more money to your account for whatever reason. In a world where it has become increasingly difficult to discern fact from fiction, we understand you could be reluctant to part with your banking details. However, have no fear, you can trust us because we’ll tell exactly why we ask for your bank account information.

Using the latest in secure banking technology, we use your internet banking details to access a read-only copy of your bank statements and expenses. That’s it! Our team doesn’t have access to your accounts.

Of course, if you have any questions or concerns feel free to chat with our team. How we assess your application is all part of our dedication to efficiency, convenience and keeping your data safe. So, apply today and know your data is secure and you’ll receive an outcome in a jiffy.

How to apply

Applying with Nifty Loans is super simple. In fact, it only takes a few minutes to complete an application! Then, our team works super hard to assess your application quick smart. We know that when you need cash, it’s quickly. That’s why you can apply, have your application assessed and receive an outcome in 3 steps! To apply with Nifty, follow these three steps:

Step 1: You apply online

To get started, you can apply with Nifty Loans on the go or from the comfort of your living room. Simply come armed with a warm cuppa and a phone or laptop and scroll up to start our application.

When you scroll up you’ll find our loan calculator tool. Select how much you wish to borrow and for how long. You’ll see an example of your repayments, and you can decide whether to make your repayments weekly, fortnightly or monthly. Once you are happy with your proposed loan terms, click the ‘Apply’ button and you’ll be taken straight to the rest of your application. Simply fill out a few more details, then click submit! Congrats, you’ve applied, and it only took minutes.

Step 2: We assess your application

After you submit your application, our team gets to work assessing your application. If you apply during business hours, we aim to assess your application within the hour; however, that will depend on whether we need any more info from you. Don’t worry – if we do, then we’ll let you know via text or email. Otherwise, just get back to what you do best, whilst we assess your application.

Step 3: We deliver an outcome

Once our team has assessed your application, we’ll let you know whether you’re approved. If you’re approved, congrats! Next, we’ll send you an electronic contract to review, sign and send back. Then, we’ll transfer your funds straight away! Of course, the delivery of your new cash will depend on the speed of your bank.

That’s it! You’ve applied with Nifty Loans in three simple steps. It should only take you a few minutes to apply, but if you do have issues, send our friendly service team a message.

What are the possible costs?

At Nifty Loans, we want to be upfront about costs. We don’t think you should be in the dark about loan costs when you’re applying for credit. So, that’s why we always recommend going through the costs before you apply. If you decide a loan won’t fit in your budget right now, then we’ve saved you an application and a possible mark on your credit report. So, before you apply, have a look at the costs below at the bottom of the page, or on our costs page.

Other fees and charges may be payable. Unfortunately, if you fail to make a repayment without notifying us of any changes in your situation, additional fees may be added to the balance of the loan. If you have questions about charges to your account then don’t hesitate to get in contact with our team.

What exactly does ‘secured’ mean?

A secured personal loan is a medium or large loan that must be secured by equity, such as a car, motorbike, boat or caravan. At Nifty Loans, if you apply for a loan greater than $2,001 then you must provide security. So, if you’re looking for a larger loan, attach security and you’re on your way to applying for secured cash loans Australia! Just scroll up to get started.

Do we conduct credit checks?

The short answer is yes, we do conduct credit checks. However, if you have bad credit, don’t let that deter you from applying for cash loans Australia. At Nifty Loans, we don’t think your credit score is the only factor to consider when assessing your application. If you’re on the hunt for some quick cash, we welcome all Aussies, bad credit and all.

Do we provide loans for bad credit?

Yes! At Nifty we can accept bad credit applications. If you have bad credit you may find yourself searching for instant cash loans Australia no credit check. When you apply with Nifty, we’ll most likely conduct a credit check; however, that doesn’t mean we don’t offer bad credit loans. As per our assessment policy, we look at more than just your credit score. We look at your current relationship with money to see if you’re eligible. So, if you have bad credit apply with Nifty Loans today!

What about Centrelink and cash loans Australia?

If you’re receiving Centrelink and looking, you may be knocked back by traditional lenders. In that case, we’re glad you found us. At Nifty Loans, we welcome all Aussies to apply for the finance they need, whether their credit is the good, the bad or the ugly. We don’t take one look at your Centrelink payments and throw you in the decline pile. Instead, we classify Centrelink payments as regular income, as long as you’ve been receiving them for at least 3 months. So, if you receive Centrelink, you’re welcome to apply with Nifty Loans.

Why bank on Nifty Loans

At the moment, the market is bursting with online lenders, claiming quick outcomes and the likes of 1 hour cash loans very quick funds Australia. Nifty Loans is a bit special. We’re here to smash the perception of shifty lenders, lenders that don’t care about their customers. We care, and here’s why we’re different:

  • We’re transparent about how we assess your application
  • We’re committed to quality customer service that actually helps
  • Trusted by 1000s of Aussies
  • Convenience – we’re online just for you
  • We welcome all applicants, bad credit or not

Of course, we think we’re pretty great, but we want to show you why. Don’t just take our word for it, check out our reviews on Word of Mouth, Product Review and Google. And if you’d like to leave a review while you’re there, feel free! We love to hear from our customers and find any way to improve our service.

Let’s be friends

Like what you see? Then just scroll up to get started and apply for speedy online loans!

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter, Google + and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Read more about interest free loans and quick approval online loans here!

Want to know more? Nifty investigates loans comaprison.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

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

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

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

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Bad credit loan

"I would recemond this company because they give everybody a go which is good would deal with Nifty Loans again."

- Amanda


Types of loans