Cash Loans quick, affordable and trusted. $100-$1000 flexible terms, 100% online.
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 Personal Loans are 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 Nifty loans.
Why? Because Nifty Personal Loans pride themselves in being leaders in the 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 loan term.
But at Nifty Personal Loans– we do it so much better.
Why choose Nifty for your cash loans?
- Our cash loans range between $50 to $1,000
- We assess your loan quickly! Once your loan is approved, (usually within 60 min) you can have your loan amount in your bank account within the same day ( usually within 24 hours).
- No paperwork online loans – 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 Personal Loans process’s most applications within 60 min!
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 3 minute application form online 24/7
- Fast Cash – Nifty will process and give you a decision on your 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 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 loan now!
So what do you need to get Nifty 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.
Here’s how our fast personal loans work
Loan Amounts: Minimum $50 to Maximum $1,000.
Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 3%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).
Terms: Minimum 9 weeks to Maximum 24 weeks.
Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $45 (fees based on 3% per month over 10 weeks) = $645 total repayable in 10 weekly installments of $64.50.
How customers rate Nifty’s Cash Loans?