Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

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*Only available for NPP enabled bank accounts
Piggy Bank

Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts

Cash Loans Melbourne – Nifty’s Reliable Money Loans

Melbourne

Live in Melbourne? Apply for the loan you need

If you’ve been looking up ‘where can you borrow money in Melbourne’ keep reading for all the details you need when it comes to easy cash loans Melbourne. We’ve also included Nifty’s must-do activities in Melbourne for those looking to explore Australia’s cultural capital.

Nifty Loans is a trusted online lender that is ready to help Aussies with the loan they need. Whether you live in Melbourne or Perth, Nifty is a lender that has your back. From start to finish, Nifty is 100% online, for your convenience. You can apply wherever you are and whenever you like, using your mobile phone.

What are cash loans Melbourne?

A cash loan Melbourne is a personal loan for people living in or wanting to explore Melbourne. Nifty could provide between $300 and $5,000 for Melbourne residents and deliver an outcome within 60 minutes**. Apply in minutes for the quick cash you need when you need it. We won’t waste your time. If Nifty has been able to locate a suitable loan product, we’ll let you know straight away. If we haven’t successfully found you a compatible personal loan, we’ll be honest. We do our best to make the process as streamlined as possible.

Why Nifty?

If you’ve been searching google for ‘same day cash loans Melbourne’, ‘easy cash loans Melbourne’, ‘fast cash loans Melbourne’ or ‘cash advance loans Melbourne’ then you probably know there are a plethora of online lenders promising a variety of different things. At Nifty, we do not promise anything that we can not provide, we adhere to responsible lending practices, so we won’t approve your application without conducting an assessment. We have developed a streamlined assessment process using secure bank technology to deliver fast decisions in 60 minutes**. It may not be instant, but it may as well be!

At Nifty, we understand that no two people are the same. We assess every single application separately. If bad credit has been an issue in the past, it doesn’t have to be with Nifty. We can provide cash loans Melbourne bad credit when you need it most. Our team take a realistic approach to loan assessments. We’ll do our best to work around a poor credit score. We cannot guarantee approval, but we can guarantee you a fair go.

Who can apply for cash loans in Melbourne?

Before you apply for a cash loan, make sure you check out the following requirements to see if you’re eligible. Here’s what you’ll need to meet if you’d like to submit an application:

  • Applicants must have an active mobile phone number and email address;
  • You must have internet banking set up;
  • All applicants must be over the age of 18;
  • You have had a regular income for the last 3-months into a personal bank account;
  • You must be able to prove you’re an Australian citizen or permanent resident.

Fit the above criteria? Scroll to the top of this page and hit our Apply Now button! We’ll take care of you from there.

What documents will I need to show Nifty?

You can complete a Nifty application in minutes, and we like to make things even easier. So, before you begin your application have these details handy:

  • Your personal details (name, D.O.B etc.);
  • Internet Banking Details (so we can securely access read-only copies of your bank statements);
  • You will need to provide us with the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

What can cash loans Melbourne be used for?

Our fast finance can be used for a bunch of different things. Our team makes it easy for all Melbourne residents to access quick cash. Below are the top reasons you can apply for a cash loan Melbourne:

Easy cash loans Melbourne for car repairs

There is never a right time for car troubles to hit. When bills pile up, the last thing you need is an unexpected car repair expense. The team at Nifty are here for when life throws you lemons. Simply grab your phone and head to our car repair loan calculator to begin your easy cash loan Melbourne application. You could apply for $300 – $5,000 in just minutes. Once approved, the cash could be in your account in 60 seconds*.

Fast cash loans Melbourne for travel expenses

Heading overseas, or maybe just on a short break for the weekend? Nifty has travel loans in Melbourne to make your trip unforgettable. Yes, we can provide cash loans for holiday expenses. The best part is you could apply right now without the hassle. Our entire application process is 100% online. So, you could even complete your application on the go or from the couch with a cuppa in hand. To begin, scroll up to the top of this page and use our loan calculator to select an amount and repayment period that suits you.

Small cash loans Melbourne for dental costs

Has the dentist delivered the bad news? If unexpected dental costs have blown the budget this month, why not let Nifty lend a hand? Submitting an application couldn’t be easier. We have made the process as streamlined as possible so you can get back to doing what you do best. Nifty is here to make your life a little easier.

How do I repay my cash loan Melbourne?

Repaying your personal loan is super easy! We do everything for you so that you don’t have to worry about setting reminders or transferring payments. If you’re approved, we can arrange your repayments, so they are in line with your payday if you wish. To make life that bit easier, your repayments are direct debited from your account automatically. Once your loan has been repaid in full, your repayments will automatically stop. It’s that simple.

What if I can’t make a repayment?

We understand that sometimes life happens and certain things can impact your ability to make the occasional repayment. If for some reason this happens and you find yourself short on funds, the best thing to do is to give us a call. We’ll do our best to work with you and help you out during a difficult time. The more time we have to adjust your repayments, the more we’re able to do for you. It’s that simple. Keeping in contact with us and giving us at least a business days notice before your repayment is due allows us to organise alternative options for your repayments. We’re here to help you out in any way we can!

Can I pay my loan off early?

You absolutely can! At Nifty Loans, we pride ourselves on not only making things as easy as possible for you but being super affordable as well. If you wish to repay your loan early, you can – without suffering any early payout fees. So, if you decide to make extra repayments towards your loan, or want to pay it off early, go for it!

Have more questions about the costs and fees of small loans? Jump over to the website Moneysmart for more information.

What if my loan application is not approved?

If you do apply for a cash loan in Melbourne and your application is not approved, don’t worry, it may just mean that this isn’t the best time for you to get a loan. We adhere to responsible lending practices. This means that we must first assess your financial situation using our comprehensive set of lending criteria. We do this by viewing your most recent bank statements and conducting a credit check on all applicants before we can approve anyone for a loan.

After we assess your bank statements and current spending habits, we’ll let you know whether we believe you can afford the repayments of your proposed loan. Remember, that this doesn’t mean you will never be approved for a loan with us, it just means that now may not be the right time for you. You’re always welcome to apply in the future if you find you need quick cash and we’ll take another look at your updated financial situation.

Why it’s time to visit Melbourne?

Melbourne, the capital city of Victoria, is the state’s hub for business, administration, cultural and recreational activities. It is Australia’s second-largest city with more than 100 languages spoken amongst the residents from all kinds of backgrounds. There is so much to do and see in Melbourne, it’s basically a playground for adults and children alike. Here are Nifty’s must-see Melbourne hotspots.

Nifty’s top 4 Melbourne hotspots

Melbourne Laneways

Explore all the hidden laneways of Melbourne’s streets. These are the cute little streets that weave throughout the city, where you can find plenty of hidden little bars, cafes and exciting shops. And who better to go exploring with than a local? You can get a guided tour by a local, who can point out secret galleries and shops, as well as tell you a little bit about Melbourne’s history. You can even get a hidden bars tour that takes you to bars that you wouldn’t otherwise know were there!

South Melbourne market

Visit this adorable market to explore the delicious organic produce and modern treats, sold throughout the stalls that meander along the streets of South Melbourne. Not only can you find great food here, but there are plenty of clothing, gifts and crafts stalls to explore too. What’s better than a Saturday morning spent at the markets!?

National Gallery of Victoria

Art lovers, this one’s for you! With free entry to the gallery, it’s hard not to give this attraction a priority on your Melbourne to-do list. The gallery hosts an international collection of more than 70,000 pieces from all over the world. Some of the collections you can expect to find here include Pacific Art, sculptures, photography as well as a fantastic array of indigenous artwork. The N.G.V. is also always hosting different exhibitions – you never know what you might find!

Royal Botanical Gardens

Take a trip to Melbourne’s stunning Royal Botanical Gardens, where you can spend a splendid day strolling through nature. Located right in the centre of the city, the Gardens are spread over 95 acres. Anyone else getting flashes of New York Central Park? The gardens are home to a vast array of Australian plants and flowers, and you can even find ecosystems here such as herb gardens and indigenous rainforests which are juxtaposed against immense lawns.

*Only available for NPP enabled bank accounts

**subject to when you subject your application

Cash Loans Melbourne - Nifty’s Reliable Money Loans Overall rating: ★★★★★ 4.6 based on 232 reviews
5 1

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts:$300 - $2,000
Terms:6 - 9 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
View Example

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
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts:$2,001 - $4,600
Terms:9 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
View Example

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
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43
View Loan Details
* 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.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts:$300 - $2,000
Terms:6 - 9 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
View Example

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
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts:$2,001 - $4,600
Terms:9 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
View Example

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
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Establishment fee and 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.

We don’t stop there

No matter what the occasion is, Nifty has your back.