Cash Loans Today | $300 to $5,000 | Speedy Outcomes | Apply Now

cash loans today

Have you been searching for cash loans today? Well, you’ve come to the right place. Nifty Loans could provide you with the cash you need to get you where you want to go. We help Aussies with fast ways to get cash today. So, when you’re thinking ‘I need cash in my bank today’, call on Nifty. Not only do we provide personal loans, but we could also provide you with a loan even if you have a below average credit rating. So, gone are the days of excuses, apply with Nifty today and we guarantee you will get a fair go. We love providing happy customers with easy loans!

You might be surprised. We could even provide you with a cosmetic surgery loan, IVF loan, travel loan… even a funeral loan. We realy are here to give you the helping hand you need through thick and thin!

Who Are We

Nifty Loans is an online, local lender with a difference. Our goal is to provide fast ways to get cash today. We are 100% online. That means there are no paper forms and no unnecessary questions. We get straight to the point so you can get the cash you need as quickly as possible. We take a fresh look at lending. That means we could provide you with a cash loan even if you have a poor credit score.

Nifty looks at the big picture. So, we take into account your current relationship with money and this is going to affect your ability to repay the loan. After all, that is the most important part.

At Nifty, we have already helped heaps of Aussies find the cash they need. However, we don’t think you should have to go it alone. At Nifty, we pride ourselves on responsible lending. So, that means what you see is what you get. We can guarantee you that we are 100% transparent, we have no hidden fees or charges. At Nifty, we do our best to match you with a loan product that will suit your individual circumstance.

Why Should You Trust Us – Responsible Lending

We adhere to responsible lending. At Nifty, we want to shatter the picture of a loan shark in the back alley. Our team takes lending seriously, and we care about our client’s financial welfare.

Nifty only provides our customers with a loan that they will be able to repay. So, we will never lend you cash that we know you can’t repay. That is our commitment to responsible lending. We are always here to help and answer any questions you might have. So, ask away. However, Nifty encourages our applicants to make sure they are aware of what a cash loan really is and what the terms and conditions may be.

We believe in transparency. That means we won’t hide any fees and charges from you. So, it is important all applicants read through their contracts before agreeing to proceed. However, you are by no means under any pressure to sign if you do not feel the loan is right for your situation. We understand everyone is different. So, that’s why we do flexible finance. We will work with you to ensure your loan is set at a rate you can afford.

Nifty encourages you to ask questions… so fire away!

What Are Cash Loans Today?

That’s simple. Cash loans today could provide you with the cash you need quickly. If you’re in a bind and the budget is blown, Nifty could be the helping hand you need. However, we understand that in the midst of an emergency there is no time for waiting around. Often times choosing a more traditional lender, like a big bank, could mean you might wait weeks for an answer.

Nifty is committed to being different. So, we could even give you an answer within 60 minutes of application (during business hours). You might even have the cash in your account by the end of the day. With Nifty’s flexible finance options you can repay your loan on a repayment period that suits your lifestyle.

If you’re worried about credit, there’s no need to be. We have revolutionised how to get cash today with bad credit. We take a look at the whole picture and believe you are more than just a number. Nifty believes in second chances. We give all Aussies a fair go. So, if you’ve been searching ‘instant approval loans need cash today’ or ‘ways to get cash today’ we guarantee Nifty will give you the fairness you deserve.

How Do Nifty’s Loans Work

We do offer three different types of loans. So, check out all the different options before you apply:

Small Loans

Small loans are, as the name suggests, on the smaller end of the lending spectrum. You can apply for a small loan from $300 to $2,000. These loans are repaid over a period of 3 to 6 months and are unsecured. What does unsecured mean? To put it simply, you don’t need any equity to acquire one of these loans. Very convenient if you don’t own a car, motorbike, caravan or boat.

Medium Loans

Medium loans can be taken out for amounts between $2,001 and $4,600. 13 to 24 months is the usual repayment period on medium loans. We recommend you attach equity to a medium loan, however, it’s not mandatory. If you don’t own a car, motorbike, caravan or boat you don’t have to.

Large Loans

The maximum amount Nifty can lend is $5,000 – this is a large loan. The repayment period is also 13 to 24 months. Nifty recommends you attach equity to a large loan, however again, it is not mandatory. Equity could be in the form of a car, caravan, motorbike or boat.

We Work For You

We love making big dreams come true with Nifty little loans. Here are some examples…

Quick Cash Loans OnlineAmountApproved
Speedy Loans OnlineAUD ($)700
Quick Cash Online For Bad CreditAUD ($)2,200
Cash Loans For Bad CreditAUD ($)5,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Something To Remember

Before you apply for cash today with Nifty Personal Loans we recommend you make sure our loan product is right for you. It can be tricky to navigate the world of personal loans. However, that’s why we encourage you to ask as many questions as you need. Our experienced team of lending experts is always here to help. So, you can shoot us a message anytime!

It is important you are aware of any possible fees and charges you could incur if you miss a payment or make a payment late. At Nifty, we can guarantee there will be no nasty surprises. We will always state this possible fees in our agreement. However, our advice is that you give your loan agreement a read and ask us some questions.

What Do I Need To Apply

We don’t need much from you. We like to keep it pretty basic. Stick to the essentials. Our online application form could only take you minutes to complete. So, here’s what you’ll need to have with you…

  • Your basic personal info (name, D.O.B – pretty simple)
  • Internet banking login information (this is so we can access read-only copies of your bank statements)
  • MyGov login details (if you receive Centrelink benefits)
  • We will need to know the reason you are applying for a loan
  • Your employment details and contact info for your workplace

Who Can Apply for Cash Loans Today

Anyone can apply. Our criteria are fairly low key. We prefer to keep it simple so you get the cash you need right now. So, tick off these basic requirements before you apply for a loan:

  • You need to be over the age of 18
  • Have received an income for the last 3 months into your own bank account
  • We need you to have internet banking set up
  • You must have an active email address and mobile phone number

Nifty keeps it as simple as possible when it comes to fast ways to get cash today. However, if you’re concerned as to why we need your internet banking details there is no need to stress.

The only reason we require them is to access read-only copies of your bank statements. We don’t actually access your real account. Nifty uses the latest in safe banking technology to ensure your details are encrypted – this means no one can actually see them. Due to the fact we don’t focus solely on your credit score, we use your bank statement as a way of taking a realistic approach to analysing your financial situation. So, why not let us see what we can do for you?

Can I Get A Cash Loan With Bad Credit?

If you’ve been searching the internet for ‘how to get cash today with bad credit’ and ended up here, you’ve struck gold. Nifty isn’t like your traditional lender. We take a different approach. At Nifty, we understand that a credit score isn’t who you are – it only makes up a small part of your financial profile. Nifty takes a look at your employment status, income and spending habits as an indicator of how you are going to pay back the loan. If we think you are going to be able to effectively repay the loan we could approve you today.

Fast ways to get cash today are few and far between and finding a lender who you can trust is even more difficult. When your thinking ‘I need cash in my bank today’ turn to Nifty. Although we can not guarantee approval, we can guarantee you a fair go. We will always do our best to see if we can match you with a loan product to suit your individual loan needs.

Apply Today!

The easiest part of the whole process is actually the application. Due to the fact that we are 100% online, you can apply wherever you are and whenever you like. The good news is, Nifty is Australia wide. Just follow these three easy steps to apply with Nifty:

  • Step 1: We are 100% online and super user-friendly. Just scroll up and use our loan calculator to get started. Select a cash amount and repayment period that suits you. We will then be able to show you what the weekly, fortnightly and monthly repayments will look like on that loan. You can choose whatever works best for you.
  • Step 2: The next step is to complete our super fast application form – yes, it can be done in minutes with a coffee in hand. Once you’ve submitted it to us, we will do our best to get the assessment underway as quickly as possible. We could even have an answer to you within 60 minutes (during business hours). All that is left for you to do is sit back and relax. Let Nifty take it from here.
  • Step 3: If your application is successful we’ll send you through a contract to review and sign. We recommend you read through the agreement to make sure you are happy – feel free to ask us questions. Once we’ve made our agreement we will send the money. It could even be in your account on the same day. Delivering times are subject to inter-bank transfer times.
  • Give Us A Go

    How simple is that? Who knew there were such fast ways to get cash today! At Nifty, we are good at what we do. We think you are going to love our flexibility. So, when you are stuck and thinking I need a way to get cash today, you don’t need to look any further. We have heaps of happy customers and a long track record of successful loan applications. So, what have you got to lose? Get in touch with Nifty today!

    Want to read more? Nifty has the low down on emergency loans for bad credit.

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

Best small loan company!

"Nifty is by far the best small loan company! No hassle, no fuss, no back and forwards- just straight to the point... or should I say money! I have recommended nifty to all of my family and friends for those unexpected times and I know they will have a great experience like me."

- Jayjay101


Types of loans