Cash Advance
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If you need a short term cash solution, you may be considering a cash advance. Why not consider applying for a quick personal loan from Nifty instead?
- 100% Online
- Simple and Easy Application
- Speedy Outcomes
- 60-Second Cash Transfers**
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 $3,000 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 a cash loan.
ⓘ Loan Disclaimer
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 $3,000 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 a cash loan.
How Nifty offers fast cash loans
Here at Nifty, we’ve created our own advanced loan-processing engine, with our customers’ needs at the forefront. This is what allows us to be an inclusive lender and offer fair loans to customers, even if they have a bad credit history.
We pride ourselves on being fast when it comes to processing and delivering small loans. We strive to process your loan application within 60-minutes*. Plus, if you have an NPP-enabled bank account, you’ll likely receive your cash in just 60-seconds**.
Nifty Loans is completely Australian owned and operated. Based in Brisbane, Australia, our friendly customer service is more than happy to help with anything you need. If you have any questions or concerns, give us a call or send us an email.
Mountains of paperwork and long waiting times? Not at Nifty. We are a 100% online lender, from application to approval.
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
So simple and non intrusive!
Wonderful, simple easy, filled it out at lunch time and had the money by 5pm. No unexpected costs or issues. Extremely satisfied, thank you for getting me out of a Jam! Quick and easy and easy to repay!
Grace G
Prompt and easy to deal with
Nifty are always prompt and easy to deal with.The process of applying and repaying is simple and I have utilised niftys service multiple times because of this.
Andrew W
They were so easy to deal with!
They were so easy to deal with and super fast! From the application to approval & getting the funds in 24 hours. I also had to call to change some details and they were super friendly & accommodating. Highly recommended!
Angela R
Very happy with the service!
The process with Nifty is very easy. If you’re in need of a small loan, I’d recommend this company. I was approved within an hour and had my money by 7pm that night. Very happy with the service! Thanks Nifty!
Holly A
We don’t stop there
No matter what the occasion is, Nifty has your back.
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 the determined loan period.
How much can I borrow?
You can apply to borrow any amount from $300 to $3,000 for your personal expenses 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 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.
*If you apply within our standard business hours. Subject to individual assessment. 60-minute outcomes are not guaranteed.
**If you have an NPP-enabled bank account.