Cash Loans from $300 to $4,600. 100% online, 60 minute approval. Apply Now!<[/et_pb_text]

How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

What is a cash loan?

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! To help you out in those times when things don’t go as planned. If cash loans 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 approval loan processed within 60 minutes. Usually for a customer who is wanting to borrow money instantly for a short, fixed amount of time.

How do nifty cash loans work?

Nifty fast cash loans are between $300 to $4,600. 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 cash loans from Nifty Loans is that they are 100% online! Yes or No approval within 60 minutes! All you need to do is complete our 4-minute application form and you are 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 cash loans from Nifty.

Once approved we pay you fast

Once your online contract is accepted we will transfer the money to your bank account instantly. In addition, this means that you could receive your money within the same day that you apply, depending on what bank you are with. If not the same day, 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 cash loans online right here with us. Though our application form is completely electronic meaning there is no paperwork required and it all takes 4 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 will go out of our way to ensure that you are getting the loan you need – for the amount that best suits your situation.
Also, unlike the slow processing bank application process, we approve our loans within 60 minutes!
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 cash 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 anytime 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.

Once you’ve paid off your existing loan, you can get another one the same day!

That’s right! You may not need another loan, but if you do find yourself in need of one, you have the option to get one with us straight away.

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

Another great reason to get cash loans 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 $4,600, which you can repay over 3-24 months.

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 – cash loans could be just the solution. We do two types of cash loans:

Fast small cash loans unsecured which are smaller loans of amounts between $300 to $2,000, that you can repay over 3 to 6 months. These cash loans don’t require a security asset to be tied to the loan.

Medium secured cash 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.

How much does it cost to borrow cash loans for 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 cash loans

The cost structure of these smaller loans include a 20% establishment fee plus additional fees of 4% per month. To give you an example of what this looks like, we can look at a $1,000 loan that you repay over 5 months:

  • 20% establishment fee of $200
  • 4% additional monthly fees for 5 months totaling $200
  • The total repayment amount will therefore be $1400
  • You can either repay this in 20 weekly installments of $70, 10 fortnightly installments of $140 or 5 monthly installments of $280

Medium secured cash loans

With our medium secured cash loans, there is an establishment fee of $400 plus additional fees of 48% per annum, with a 66.0347% (based on a $2,500 loan for 2 year with a $400 establishment fee). To give you an example of how much this type of loan would cost, say you would like to borrow $3,000, that you repay over 18 months:

  • Establishment fee of $400
  • Additional fees of $1,378.87
  • The total repayment amount is therefore $4,840.14
  • You can either repay it in weekly installments of $61.19, fortnightly installments of $122.77 and monthly installments of $268.21

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 cash loans 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.

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 for cash loans.

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

Yes! Another great thing about borrowing cash loans 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 cash loans.

How do I repay my cash loans?

Well, that couldn’t be easier! Once your cash loans 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 your cash loans have been repaid, 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 getting quick cash loans?

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 types Fixed Term Loan
Lender Nifty 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!

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

How customers rate Nifty Loans?

plf Overall rating: 4.4 out of 5 based on 55 reviews.

Amazing service helped me so much

5 5 1
I can't believe how much you guys have helped me with my finances as I was short of funds. I can't say enough about the service you guys go out of your way to help people and I am so grateful I found you website will be recommending your service to everyone. Keep up the great service.


4 5 1
It was wonderful to do the loan so easy and fast return. In the bank the next day. Will differently be doing another loan though them in the near future.

Very good to deal with

4 5 1
All through the process dealing with the loan I even rang to talk to a consultant they were very helpful. I would take another loan. The loan was not to expensive.

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