Cash Loans is money in the form of bank notes and coins.
Need some fast finance? We're here to help.
WARNING: Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
- For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
- Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
- If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments
The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009
To be eligible for a Nifty loan you must:
- receive a regular income which is paid into your bank account for at least 3 months;
- receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
- you must not have received a Centrelink Emergency payment within the last 3 months;
- not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
- you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).
Nifty Finance is the leader in Cash loans – Find out how today
Do you need a Nifty cash loan now?
Has your car broken down? Do you need to replace a broken fridge? Or have you found your dream rental and just need a short term cash boost to cover the bond? Then it sounds like you need a Nifty Finance cash loan.
Why? Because Nifty Finance pride themselves in being leaders in the fast cash loan industry and are always willing to go that extra mile to help their customers solve their cash flow problems.
What is a cash loan?
Factually, a cash loan is an agreement between two people where a lump sum is borrowed in exchange for repayment of the original loan, plus fees over a defined period of time.
But at Nifty Finance – we do it so much better.
Why choose Nifty for your cash loan?
- Our cash loans range between $50 to $1,000
- We assess your loan quickly! Once your loan is approved, (usually within 60min) you can have your loan amount in your bank account within the same day ( usually within 24 hours).
- No paperwork – we’re 100% online!
- No credit checks – ever
- We will save you 25% on every monthly fee – unlike our competitors
Why are cash loans so popular?
Cash loans are a quick and easy option when it comes to solving your cash flow troubles. Nifty Finance process’s most applications within 60min!
It may be an unexpected bill, a family holiday you didn’t think you would have the time to take or an emergency that requires cash in an instant.
How can I get a Nifty cash loan?
- Apply online – Complete our quick and easy 3minute application form online 24/7
- Fast Cash – Nifty will process and give you a decision on your cash loan within the hour! (during normal business hours).
- Get Paid Fast – Once your application is accepted and approved Nifty will transfer the money straight into your bank account!
Repaying your Nifty cash loan:
So now you may be wondering how do I pay back my Nifty cash loan?
Well again that’s pretty quick and Nifty! Here at Nifty we customise your direct debit schedule in line with your income and once it is paid in full the direct debits automatically stop!
More importantly, we do not have hidden fees, costs or charges. We will not ask you to pay any costs outside your contract – even if you pay out your loan early!
Told you we were great!
What about Bad credit or if I’m earning a Centrelink income.
Because your money isn’t auditioning for the XFactor – we promise we won’t judge it.
If you have had bad credit in your past – that just makes you human – and as fellow humans, we would like to give you a second chance. Therefore, if you’re last 90 days in bank statements shows that you are in a good place – we will back you 100%.
Likewise, with Centrelink payments – if you are receiving a regular and reliable Centrelink income – your application will be considered.
So why not jump online now and give Nifty a go!
We’re fast, we’re friendly and ready to help you get on top of those unexpected bills.
Experience a Nifty Finance cash loan now!
Who is Nifty ?
We’re Nifty! A small cash loans provider here to better serve the needs of the Australian community. We lend small cash loans ($100 – $1000) for small periods of time (9 weeks – 6 months), take a small amount of time to assess your needs and hardly any time at all to get those funds to you. We take care of you first. You won’t be disappointed. There are many cash loans lenders in Australia but few whose actions live up to their words. Ours do and that’s a promise. Put us to the test.
So what do you need to get a Nifty cash loan?
You need to be:
18 Years or older.
An Australian citizen or permanent resident.
Receive regular income to a personal bank account.
Receive at least $400 to $800 a fortnight from an employer or some Centrelink payments.
Responsible Lending – it’s a given
It’s not just about being compliant with legislation. Responsible lending goes further than that. It’s about a duty of care to you as a consumer to ensure that by approving a loan, we will not be putting you into a position of financial hardship with the cash loans repayments. It’s all about respect for you and understanding your unique situation. If we cannot approve your application, we’ll let you know and give clear reasons.
Responsible lending also encompasses the responsible handling of your personal data. Nifty employs the latest technology not only to make the application process comfortable but also to safeguard your data. We use an approved banking gateway which (through you) gives us access to your banking transactions (which we need in order to assess your financial position) but we never have direct access to your account. We could never find out your banking password and login details.
As long as you’re an Australian resident, over 18 years old and have regular banked income, you are welcome to apply for a Nifty loan providing you meet out basic eligibility criteria.
Making the process smooth for you
Smooth = allowing an even, uninterrupted movement or flow. Smooth is fast and hassle-free. Usually, you need the money fast. So, banks and other big lenders are just not agile enough – they’re too big and slow. Nifty will give you a result within 60 minutes most of the time.
How customers rate Nifty’s Cash Loans?