Cash Loans Sydney from $300 to $10,000 | Nifty Loans

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Get your cash within 60 seconds of approval*

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Fast Personal Loan

up to $5,000

or

Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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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 Loans Sydney with Nifty

 

Quick cash loans in Sydney

Sydney is well known for being one of the most expensive cities in the world. Living in Sydney can be very costly, even in a small apartment kilometres away from the CBD. Have you had an emergency expense, but dread the dent to your budget? We have a Nifty solution for you!

Cash loans Sydney are personal loans that can be accessed by people who live in Sydney. You can apply 100% online and receive the money within 24-hours of your application.* This cash injection can be extremely useful when unexpected expenses occur and you need to cover them quickly.

Cash loans Sydney up to $10,000

Cash loans Sydney are small, short term loans for Sydney residents. There are three tiers of personal loans available: small loans, medium loans and large loans. 

Small LoansUnsecured$300 – $2,000
Medium LoansSecured$2,100 – $4,600
Large LoansSecured$5,000 – $10,000 

There may be additional fees and costs associated with these loans. Additional fees can be incurred with late payments, so ensure you read your contract carefully.

What can I use my personal loan for?

You can use your quick loan to pay for anything from travel expenses to car repairs. Here are some reasons people have taken out personal loans with Nifty: 

  • Car repairs
  • Travel expenses
  • Debt consolidation
  • Urgent medical expenses
  • Home renovations

How to get an online cash loan

Cash loans Sydney with Nifty are all 100% online. That means no matter where you are or what you are doing, if you have access to a computer or smart phone, you can apply for a personal loan with Nifty. 

Similarly, if you are looking for a car loan in Sydney, the application process remains almost the exact same; 100% online, quick and easy. If apply during our business hours, you could get approved in just 60 minutes.

Who can apply for cash loans Sydney?

At a minimum, you must: 

  • Be 18 years or older 
  • Be an Australian citizen or Permanent Resident
  • Receive a consistent income into a personal bank account for at least 90 days prior to applying
  • Have a mobile number and email address
  • Have internet banking set up

Frequently asked questions about Sydney loans

What if I have bad credit?

We do not believe that your credit score tells your whole story. We’ve provided thousands of bad credit loans to Aussies across the nation. While we must conduct a credit check on all applications because of our commitment to responsible lending, do not let this deter you from applying. We will look at many factors before approving your fast cash loan application, not just your credit history.

How much can I borrow?

You can apply for a quick loan with us for any amount between $300 to $10,000. These amounts fall into three tiers: small loans, medium loans and large loans. Small loans ($300 – $2,000) can be paid back from 6 to 9-months; medium loans ($2,001 – $4,600) can be paid back over 9 to 24-months; and large loans ($5,000 to $10,000) can also be paid back over 9 to 24-months. We will assess your application to ensure you can afford the loan amount you are applying for.

How much does a Sydney cash loan cost?

This will completely depend on how much you wish to borrow and your current financial situation. As with all loans, interest and other charges may apply. For more information, visit our costs page. The interest rate and comparison will vary depending on a few factors, one of these being your credit score.

How do I repay my loan?

Loan repayments are made simple with our high-tech and innovative repayment system. We will set up a direct debit from your account that aligns with your pay cycle on either a weekly, fortnightly or monthly basis. We do this to ensure you have enough money in your account on your repayment day. Once you’ve paid off your loan in full, the repayments will automatically stop.

Can I pay off my loan early?

You will not be charged an early settlement fee for paying out your loan early. If you are in the position to pay off your loan early, we recommend that you do so.

Why Nifty Loans?

If you find yourself strapped for cash, you can always apply for a personal loan with Nifty. Our application process is 100% online, meaning it’s paperwork free. You won’t be required to fill out piles of paperwork or scan any tedious documents. Simply apply with our fast online application form and you could have your outcome within just 60 minutes*. 

Not in Sydney? We offer loans to people all over Australia. Check out our Tasmania loans.

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View 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
Medium Loans

Medium Loans

Medium Loan Example

$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
Loan amounts:
$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
Small Loans

Small Loans

Small Loan Example

$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
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.