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

Cash Loans

What is a cash loan?

Cash loans are typically personal loans from $300 to $5,000. Cash loans can be worth considering for consumers wanting to borrow money instantly for a short, fixed amount of time or looking for cash loans online. We offer a secured personal loan or an unsecured personal loan. Learn more about payday loans pitfalls and short term loans, here.

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 on Centrelink 24/7’, ‘instant cash loans online 24/7’ or ‘cash loan’, stop. When things don’t go as planned, Nifty Loans could help – fill in an application and let us see if we can help you.

Nifty Loans is committed to providing you with a small loan fast! 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. So, if you’re looking for an instant cash loan read on for plenty more useful info.

How do cash loans work?

Nifty Loans offers personal cash loans from $300 to $5,000 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’… 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 a one hour loan today for when you need cash now! So, what are you waiting for? Begin your personal loan application now and you could have the cash you need today**!

Where can I borrow money from?

We understand that life isn’t always simple and doesn’t always go as planned, and sometimes life’s dreams can quickly turn into nightmares. When the pipe bursts in the kitchen just as you’re about to leave for your holiday or your car breaks down on the way to work – Nifty has your back.

You can apply for fast, easy cash 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 within 60 minutes**. All you need to do is complete our quick loan application, and you may be on your way to solving your cash flow problem.

So, why is Nifty 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.

24/7 Cash Loans Online

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 need to speak to someone urgently, you can find our contact details here.

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’s Quick Cash Loans

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 within 60 minutes**! If approved, you can receive your money within 60 seconds*, thanks to Nifty’s instant banking. It’s time to borrow money, differently.

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.

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 debt, we’re not getting in your way!

What are the different types of loans?

At Nifty Loans, our loans range 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 an unexpected trip to see a sick loved one – personal loans could be just the solution. We offer three types:

Type of loanLoan amountLoan term
Unsecured$300 to $2,0003 to 9 months
Secured$2,100 to $4,6009 to 24 months
Secured$5,0009 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?

Each lender has individual payment structures and possible additional fees. Costs may vary depending on your financial situation and the amount you choose to borrow.

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 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?

Nifty Are Responsible With Cash Loans

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.

We offer quick personal loans for Aussies across Australia:

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

Yes! Nifty Loans doesn’t take a look at your application and stamp no based on one criterion. That goes for clients with bad credit and receiving Centrelink benefits. We can consider Centrelink benefits as ‘regular income’. So if you’re receiving Centrelink benefits, you can still be eligible to borrow up to $5,000. Read more about loans for people on Centrelink. Even if you are unemployed and receive Centrelink payments, we may still be able to help you, visit our loans for unemployed page for more details.

So, if you’re googling ‘24/7 instant cash loans for bad credit’, or loans for people with Centrelink, then Nifty is the lender that can give you a fair assessment. Apply during business hours, and we’ll do our best to get back to you within 60 minutes!

How do I repay my cash 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 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 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.

Apply Today! For Fast Little Loans

So, what are you waiting for? If you’ve been busy searching for a quick little loan, then Nifty could be the lender for you. From application to approval, our entire process is 100% online. That means you won’t even have to leave the comfort of your own home to apply for a cash loan online. Our team is always here to lend a hand. Get in touch with our team or check out our FAQ page.

*Only available for NPP enabled bank accounts

**subject to when you submit your application

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


"quick approval, pleasant experience."

- Garry Smith


Types of loans