Cash Loans $5,000 – 24/7 – No hidden fees. Apply now!

Cash Loans from $300 to $5,000. 100% online, Fast outcomes. Apply Now!

If you’ve ever been strapped for cash, you have probably thought how useful it would be to get fast approval loans asap! There’s nothing worse than being short of funds, and we understand that feeling. So, that’s why Nifty Loans is here! We can help you out in those times when things don’t go as planned. If this sound like something you could benefit from, you’ve come to the right place. Read on for plenty more useful info.

What are cash loans?

A cash loan is a fast outcome loan processed quickly. Usually for a customer who is wanting to borrow money instantly for a short, fixed amount of time. We offer a secured personal loan or an unsecured personal loan.

How do nifty cash loans work?

They range between $300 to $5,000. Here at Nifty Loans, we understand the significance of instant cash loans and that life doesn’t always allow for planning. We are leaders in our field at offering solutions for life’s little speed bumps that the big banks don’t want to know about.

We’re fast, we’re fair and we’re here for you when you need us, to help you get back your financial stability and success! So, what are you waiting for? Start your partnership with Nifty Loans NOW!

Why should I get cash loans from Nifty?

We understand that life isn’t always simple and doesn’t always go as planned and sometimes life’s dreams can easily turn into nightmares. Therefore, we don’t think you should be penalized for this and we want to help!

Another great thing about getting fast easy cash loans from Nifty Loans is that they are 100% online! We do our best to provide a Yes or No outcome within 60 minutes (during normal business hours)! All you need to do is complete our quick application form and you may be on your way to solving your money problems. We are pretty proud of the service we offer at Nifty Loans, so we wanted to outline some of the main benefits you can get if you borrow online loans from Nifty.

If you’re approved we pay you fast

If your online contract is accepted we try and transfer the money to your bank account the same day. In addition, this means that you could receive your money on the same day that you apply, at the latest you should receive it overnight.

We are 100% online!

The great thing about this fact is that it means our service to you can be that much quicker. It means you can get small loans online right here with us. Though our application form is completely electronic meaning there is no paperwork required and it all takes minutes to complete. However, even though we are online, we are still real people! So, if you need to speak to someone, you can find our contact details here.

A Nifty personal loan is easier on the pocket than you’d expect

Because Nifty Loans cares about you and no business 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 within 60 minutes (during normal business hours)!
That means we will never lend you more than you can afford. We take the time to do a thorough assessment of your financial situation, to ensure we are offering the right loan for you.
Our costs are completely transparent – no hidden fees
The other great thing about our Nifty loans is that our fees are completely transparent. That means you won’t be surprised at any point throughout your loan process with any hidden fees or hidden costs. We outline our fees further down the page.

Super helpful customer service team!

One thing that we can assure you is that we have an amazing 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.

You can pay your loan off early if you want to with no early exit fees

Another great reason to apply with Nifty is that 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 debt, we’re not getting in your way!

What types of loans do you do at Nifty?

At Nifty Loans, most of our loans are from $300 to $5,000, which you can repay over 3-24 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 that unexpected trip to see a sick loved one – personal loans could be just the solution. We offer three types:

Small unsecured loans which are smaller loans of amounts between $300 to $2,000, that you can repay over 3 to 6 months. This type does not require a security asset to be tied to the loan.

Medium secured loans – these are slightly larger loans of amounts $2,001 to $4,600, that you repay over 13 – 24 months. To borrow more than $2,001, you will need to provide an asset as security to borrow the loan. An example of an asset you can use is your car, motorbike, caravan or even your boat.

Large secured loans – large loans of $5,000 that you can repay over 13-24 month. Large cash loans are secured just like medium loans.

How much does it cost to borrow from Nifty?

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.

Small unsecured loans

The cost structure of these smaller loans include a 20% establishment fee plus additional fees of 4% per month.

Medium securedloans

With our medium secured loans, there is an establishment fee of $400 plus reducing interest of 48% per annum, with a 67.41% comparison rate.

Large secured loans

Large secured loans have no establishment fee and an annual percentage rate of 21.24% of the principal

How to know which 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 you make the decision to borrow are the following:

  • What is the purpose of my loan?
  • How much do I need to borrow?
  • Am I happy with terms of loan?

Do you perform credit checks on your customers as part of your process?

Yes, we do. 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 90 days worth of bank statements so that we can work out your income and financial habits. If you want to learn more about Nifty’s credit policy, have a read of our credit reporting policy.

Should you have any further questions you might the answer here at MoneySmart

I’m looking for a loan but have bad credit, do you do 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 Australians 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.

Can I still apply for a loan if I am receiving Centrelink payments?

Yes! Another great thing about borrowing from Nifty Loans is that we don’t discriminate against Centrelink recipients. Certain Centrelink payments are considered as ‘regular income’ so as long as you are receiving a regular income, then you will be eligible for Nifty loans.

How do I repay my cash loans?

Well, that couldn’t be easier! If you have been approved, we will set your loan repayment via a direct debit which will come straight out of your account on a nominated day.

No fuss whatsoever! No need to remember when your repayment is due as it’s automatically done for you! Once have repaid your cash 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 asap. That way we can talk with you and try and negotiate a solution that suits both parties.

What should I consider when thinking about applying?

Who is this product for?Individuals looking for a cash loan
To be eligible for a cash loan you must meet these requirements:You need to: Be 18 years of age. Have a regular source of income. Be a permanent Australian resident
What are the repayment terms?Repayment terms will vary depending on each applicant’s agreement but will generally range from 3-6 months.
Available Loan typesFixed Term Loan
LenderNifty Personal Loans

In summary

Now you know exactly how to get a cash loan and you can get them right here with us! Just complete our easy online application form at the top of the page!

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Cash Loans $5,000 - 24/7 - No hidden fees. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Cash Loans $5,000 - 24/7 - No hidden fees. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
quotation mark


"Applied... cash in the bank with in an hour... customer service was fantastic. Couldn't believe how everything worked out with nifty ."

- Ceejay


How customers rate Nifty's Personal Loans

Cash Loans $5,000 - 24/7 - No hidden fees. Apply now! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans