- Market leading customer service
- 60-Second Transfers once approved3
- Fast Loan Outcomes1
- Simple & Easy Application
We're now becoming part of the award winning Jacaranda Finance group.
Here's what you can expect:
Need cash fast?
When bills have piled up and an unexpected expense strikes, you may start looking for a fast cash solution. There’s nothing worse than being short of funds, and we understand that feeling. If you’ve been googling ‘instant cash loans’, ‘instant cash loans online 24/7’ or ‘cash loan’, you can stop. When things don’t go as planned, Nifty bad credit loans could help.
Apply for a cash loan with Nifty
Nifty Loans is committed to providing you with a small loan fast! You can apply for a loan with us from $2,100 up to $15,000. You will find that Nifty is super flexible when it comes to selecting your loan amount and the repayment period.
So, if you have emergency expenses creeping up, you’ve come to the right place. We can also provide a loan for debt consolidation if you have multiple loan repayments.
Frequently Asked Questions
How do cash loans work?
Nifty Loans offers personal loans from $2,100 to $15,000 and the repayment period will depend on the amount you borrow. We understand that life happens and when bills pile up, you need answers and outcomes quickly – maybe you’ve been googling ‘instant cash loans online 24/7’ or ‘24/7 instant cash loans for bad credit Australia’. Well, we are leaders in our field, known for being able to offer solutions for life’s little speed bumps that the big banks don’t want to know about.
If you apply during regular business hours, you could get same-day loans today for when you need cash now! So, what are you waiting for? Begin your personal loan application now and you might have the cash you need today!
Where can I borrow money from?
You can apply for fast, easy loans, no matter where you are. Our application and assessment process is 100% online! We do our best to provide a Yes or No outcome on the same day*. All you need to do is complete our quick loan application, and you may be on your way to solving your cash flow problem.
What are the different types of loans?
At Nifty Loans, our loans range from $2,100 to $15,000, which you can repay over 9-24 months depending on the loan amount you apply for.
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 an unexpected trip to see a sick loved one – personal loans could be just the solution. We offer two types:
|Type of loan
|Unsecured or Secured
|$2,100 to $4,600
|9 to 18 months
|$5,000 to $15,000
|12 to 24 months
Find a loan that suits you? Great – apply in minutes for the personal finance you need.
How much does it cost to borrow money?
Our cost structure varies slightly, between the different types of loans that we do at Nifty. Though, a useful tool you can use is our loan repayment calculator which you can find at the top our page. You can also find information about our costs at the bottom of this page or on our “costs” page.
How do I know which cash loan is right for me?
It will all be a matter of looking at what your individual circumstances are. Some questions you may want to ask yourself before making a decision to borrow money are:
- What is the purpose of my loan?
- How much do I need to borrow?
- Am I happy with the terms of the loan?
How do I repay my loan?
Repaying your loan is easy, with Nifty Loans. If you have been approved, we will set your loan repayments up via a direct debit which will come straight out of your account on a nominated day, this will generally be in line with your payday.
No need to remember when your repayment is due as it can be automatically done for you! Just remember to leave some cash in your account for your repayment. Once have repaid your loan, your direct debit will automatically stop. It’s that easy!
What if I can’t make a repayment?
We get that life can sometimes knock us off our feet at the most inconvenient of times. So, if for some reason something happens and you can’t make a repayment, the best thing to do is to let us know at least 1 business day before your next payment. That way, we can talk to you and try and negotiate a solution that suits both parties.
Does Nifty perform a credit check on customers as part of the application assessment process?
As part of our duty as responsible lenders, we do perform credit checks to help us make an assessment of the applicant to see whether they can afford to repay their loan. However, this is not the only thing we look at. We also like to look at your bank statements so that we can look at your income and your current relationship with money. While we don’t offer no credit check loans, we can still assist those who have bad credit.
Does Nifty provide cash loans for bad credit?
Here at Nifty, we believe that your credit history should stay in the past. So, we understand that from time to time, regular Aussies may fall on hard times or have unfortunate circumstances and we don’t think you should be punished for this! That’s why your credit is not the only thing we look at. We like to look at your current relationship with your finances to assess your eligibility. To learn more, read about bad credit loans here.
Are there any additional costs?
At Nifty Loans, our fees are completely transparent and will all be listed on your contract. That means you won’t be surprised at any point throughout your loan process with any hidden fees or hidden costs. Unfortunately, if you fail to make repayments without notifying us of any changes in your situation, additional fees may be added to the balance of the loan.
Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.
Ready to apply?
You can apply for up to $15,000 within minutes!
Why choose Nifty Loans?
So, why might Nifty be the right lender for you? We’re glad you asked.
Money in 60 Seconds**
After you have reviewed and signed your online contract, we will transfer the money to your bank account on the same day, as long as you accept your contract during business hours. If you accept your contract outside of business hours, we will transfer the funds on the next business day. Thanks to new instant banking technology, Nifty can now transfer funds to NPP-enabled bank accounts in just 60 seconds**. If your bank does not support this feature the latest you should receive the funds would be overnight.
We’re 100% online, that means our service to you can be that much quicker. So, wherever you are, you can apply for small loans online. Our application form is completely electronic meaning there is no paperwork required, and it can take just minutes to complete. However, even though we are online, we are still real people!
So, if you’ve been googling ‘instant cash loans online 24/7 Australia’, it’s time to source an online loan from Nifty. Use our loan calculator located at the top of this page to begin your application now.
Nifty Loans cares about you, and no question is too small for us! We’ll do our best to ensure that you are getting the loan you want. Also, unlike the slow processing bank application process, we can approve our loans on the same day*! If approved, you can receive your money within 60 seconds**, thanks to Nifty’s instant banking. It’s time to borrow money, differently.
Friendly Customer Service Team
One thing that we can assure you is that we have a fantastic customer service team here to look after you. If at any time throughout your loan term, you need to speak to someone, there will always be someone here to help you out with any questions you might have.
No Early Exit Fees
When you apply with Nifty Loans, we give you the option to pay your loan off early without charging you any early exit fees. That means if you are ready to pay off your loan, we’re not getting in your way!