Cash Advance | Quick Personal Loans Up To $15,000 Online
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What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

Need a cash advance?

If you are in need of a short term cash solution, you may be considering a traditional cash advance. A personal loan from Nifty Loans may be what you are searching for instead. Nifty Loans offers quick cash loans up to $15,000 for a variety of reasons. We’re 100% online and one of the fastest-growing lenders in Australia. We process our loans on the same day* and provide instant transfers on approval**.

Bad credit? No worries.

If you have been searching “cash advance bad credit”, Nifty Loans may have a suitable loan option for you. We offer bad credit loans to applicants that meet our lending criteria. We conduct a thorough financial assessment using read-only copies of bank statements on each of our applicants. If we find that a person can reasonably manage their loan, even with a bad credit score, we may be able to provide them with a cash loan.

How to apply for a cash loan

Am I eligible?

All applicant must meet our eligibility criteria for us to process their application. Please ensure you meet the following requirements before you apply:

  • Be at least 18 years old;
  • Be an Australian citizen or permanent resident;
  • Have Internet banking;
  • Have an active email address and mobile phone number;
  • Have been receiving a regular income for the last 90-days.
What documentation do I need?

So that we can get back to you as fast as possible, please ensure you provide us with the following documents when you submit your application:

  • Personal information (i.e. name, address, DOB);
  • 100 points of ID;
  • The reason for your loan;
  • Internet banking details;
  • Employment details and contact info.

Our Happy Customers

We don’t stop there

Got questions?

If you want to learn more about our cash loans, check out the following frequently asked questions:

What is a cash advance?

Generally, a cash advance is a service issued by most credit card and charge card providers. A cash advance allows the cardholder to withdraw cash, typically either over the counter or through an ATM, up to a predetermined limit.

While a cash advance can be a handy way to access quick cash, it is important to note that there are often additional fees and a different interest rate applied to this service than your usual credit card terms. If you need cash urgently, an alternative to a cash advance you may wish to consider is a personal loan. A personal loan allows you to borrow a selected amount to be repaid over a pre-determined loan period.

How much can I borrow?

You can apply to borrow any amount from $2,100 to $15,000 with a Nifty personal loan. We will process your application to ensure the loan is manageable for you. Your repayments will depend on how much you borrow.

What if I have bad credit?

If you have poor credit, you may be wondering if you can still get a cash loan with Nifty. The good news is that we’re an inclusive lender, meaning we give all Aussies a fair go no matter their credit score. If we find that you can reasonably manage your loan repayments, we may be able to provide you with a bad credit loan.

What are the fees and charges?

The cost of your fees and charges will depend on the amount you borrow and your credit history. However, a credit guide detailing all of the fees and charges applicable to your loan will be given to you before entering into a loan agreement. This may include interest charges, a monthly fee, establishment fee, and late fees (if applicable).

Can I get a cash advance no credit check?

As we follow responsible lending guidelines set by ASIC, we must make reasonable enquiries to ensure a personal loan is suitable for our customers. In line with this, we may conduct a credit check. However, we are inclusive lenders, which means we will always give you a fair go even if you have a poor credit history.