Cash Advance | Quick Personal Loans Up To $10,000 Online

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 $10,000 for a variety of reasons. We’re 100% online and one of the fastest-growing lenders in Australia. We process our loans in 60-minutes* 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.

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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 $2,500 to $10,000 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.

Can I get a Centrelink cash advance?

We provide loans to Centrelink customers if we find that the applicant can manage their loan, regardless of whether this income is from full-time employment or government benefits. As long as you meet our eligibility criteria and can afford your personal loan, we may be able to provide you with an online loan.