New South Wales Cash Loans up to $5,000. Apply now!

New South Wales

Hey there New South Wales residents! Welcome to Nifty Loans. We are personal loan experts and we do New South Wales cash loans to help you out when you are short of cash flow! There are times in life when the unexpected occurs and you find yourself in need of funds. We get it, and that’s why we’re here, to help you out when you need us. If it sounds good to you here’s all you need to know about our Nifty personal loans.

What are Nifty personal loans?

We can describe our rental bond loans NSW as short-term, fixed-rate loans. We do both an unsecured personal loan and a medium secured personal loan. In addition, our personal loans are 100% percent online. Which means, to get one, you don’t even have to leave your house. You can even get one the very same day! We are based in Brisbane, so whether you’re in New South Wales or Tassie, you can get a loan with us. How? Well, we’re an online business so there’s no need to meet with us face to face. So, you may be wondering…

How do I apply?

Well, our application process, New South Wales residents, couldn’t be simpler! We’ve designed an online application form that you can find at the top of our page. It’s incredibly user-friendly and can only takes a few minutes of your time to complete. It will ask you a few questions about your purpose for the loan, some details about you as well as your financial situation. In addition, it will also ask you to provide a few documents to support your application.

Who can apply for Nifty rental bond loans NSW?

So now that you know a little bit our about our cash loans NSW, you may be wondering if you are eligible to apply. New South Wales, here is a list of the eligibility requirements we use to assess our applicants.

  • You must at least 18 years of age
  • Need to be an Australian citizen or permanent resident
  • Must have been receiving regular income for the past 90 days

Therefore, in order to process your application, we need a few pieces of information from you to check that meet the eligibility requirements. From you we need:

  • 100 points of ID – this is so that we can verify your age and residency/citizenship status. To find out more about what makes up 100 points ID click here.
  • Bank statements covering at least the last 90 days, which you can provide electronically with your online banking in our application form.
  • Finally, we just need a contact number and email address so that we can contact you with the status of your loan application

Do you do loans for New South Wales residents on Centrelink?

To be a successful applicant with Nifty you need to have a regular income. And if you receive Centrelink, then you’re in luck, we classify Centrelink payments as regular income! We also, take our duty as responsible lenders very seriously. That’s why we do a thorough financial assessment of the applicant’s financial situation because we will never lend to someone more than we believe they are able to afford.

Do you do loans for pensioners in New South Wales?

Yes, we do. If you have a regular income, we can look at a loan to suit you. We assess everyone on a case by case basis, though as mentioned above, we will never lend a person more than we believe they are able to afford.

If I have bad credit in New South Wales can I get a Nifty cash loan?

Absolutely! Here at Nifty, we believe your history should stay there! We understand that sometimes situations happen that can be out of your control and we don’t think you should be punished for that! While we do perform credit checks, your credit is not the only thing we look at. In fact, we prefer to look at your current financial situation, notably over the last 90 days, which gives us a good idea of what your income is and your financial habits. Though most importantly if you are getting a regular income then that’s all we need at Nifty for a Nifty cash loan!

What if I’m a pensioner with bad credit in New South Wales can I get a Nifty cash loan too?

That can be a yes as well! We believe in second chances so please don’t hesitate to hit the Apply Now button and we can process your application and hopefully get your cash flow troubles in the past!

How do Nifty personal loans work?

The process of our Nifty bond loans NSW can be explained in a few simple steps:

  • Fill out our quick application form online!
  • Upload supporting documents
  • Sit back and relax while we process your loan application!
  • If approved, accept your loan contract
  • Receive your money!
  • Repay your loan

That’s it! We’re are proud of how simple and user-friendly and simple our loan process is, and we hope you love it too New South Wales!

What types of loans does Nifty do?

Here at Nifty, we do short-term bond loans New South Wales online. Though our loans can cover a variety of different purposes. Here are some the questions people often ask us when it comes to our Nifty loans.

Do you do car loans NSW?

Our cash loans are small fast loans so if you need that little bit extra money to get that car you really want then Nifty can help you out! Alternatively, if you need a helping hand to help pay for your car registration, to pay for a car repair or even your car insurance payment Nifty has got your back. Our loans range between $300-$5,000 so probably won’t cover you for the cost of a whole car, but at least they can be a helping hand!

Do you do rental bond loans NSW (New South Wales)

Yes, we do! Our cash loans NSW are available for rental bond’s as well. We understand how stressful moving can be so we would like to make things a little easier for you with our rental bond loans NSW (New South Wales). Moving can be an expensive task. Whether it’s to pay for the removalist, new furniture or just the bond itself, rental bond loans NSW could be just the thing you need to help your moving process go as smoothly as possible.

What else can you use Nifty Loans to pay for?

There are a variety of reasons people need to borrow rental bond loans NSW. Car registration is one of the most common reasons, but here is a list of others too, just in case it might apply to you too:

  • Holiday or travel expenses: if you feel you need a holiday, we help you pay for it now and you pay it off later once you’ve had your much-needed break.
  • Home renovations: if you need to give one of your rooms a much-needed facelift Nifty loans can help you to achieve just that!
  • Wedding expenses: you may have met that special someone and is now ready to tie the knot! A personal loan can now make your special day or reality.

Honestly, the list goes on! That’s the beauty of personal loans from Nifty.

How much can you borrow?

New South Wales residents, you may be wondering how much you can borrow. At Nifty we do loans from $300 to $5,000. You can borrow an unsecured loan of $300 to $2,000 which you can repay over 6 months. Alternatively, you can borrow a medium secured loan from $2,001 to $4,600, or a large secured loan of $5,000 that you can repay over 13 to 24 months.

How much do Nifty personal loans cost?

Since we have three different types of loan at Nifty, an unsecured loan and a medium or large secured loan, our cost structure varies slightly between each loan. To give you a rough idea New South Wales, at the bottom of this page is a break down of what one of our personal loans may cost. You can also find this information on our costs page.

Other Fees

Depending on the loan you take out, other fees and charges may be payable. You shouldn’t stress though New South Wales Residents! All fees and charges will be clearly laid out in your contract. If you’ve read the contract and are still not sure about something, simply get in contact. Our customer service team is here to help, and happy to walk you through the fees and costs associated with your loan.

If you want some more information on the allowable fees and charges for these small personal loans, just head to the Moneysmart website.

How does repayment work?

The way we set up the repayment system is we help you to set up a direct debit. This is so that the repayments for your rental bond loans NSW come out of your account automatically for the duration of the loan term. We can set this up to match your pay cycle on your nominated date, so you know you will never have to worry about missing a payment.

What if I can’t make a repayment?

If for some reason you can’t make a payment, it’s important to let us know as soon as possible. We’re here to help, not make life more difficult. So if you find that you are struggling to make a payment, contact us as soon as possible. We might be able to sort out a solution that works for both parties.

What’s great about Nifty personal loans?

There are so many great things about our bond loans NSW and we are proud to offer this to our clients. Here is a list of some of the best things about cash loans NSW:

We are 100% online!

That’s right! That means you don’t have to physically walk into our office and make an application for bond loans NSW. All this can be done from the comfort of your own living room! How great is that?

Our cash loans are so fast

Another benefit of being 100% online is that our loan application process is incredibly fast. That’s also because our online application form is incredibly sleek and user-friendly. Isn’t that Nifty?

There are no early exit fees!

This means, if you are ready to pay off your loan early, you can! It doesn’t matter when, if you are ready to pay off your debts we are happy for you to go ahead and do so.

All our fees are completely transparent

We include all the fees and charges associated with your loan clearly in your loan contract. As we said before, if you do have any questions about additional costs, just get in contact with our friendly team.

Our customer service team is amazing!

That’s right, we have an amazing team of loan experts here to help you through the duration of your loan process. Whether you have any questions concerning the application process or need help throughout any stage of your rental bond loans NSW term, our team is here to help.

In summary

To sum up, New South Wales residents, we’d be happy to help you out if you need a personal loan. So if you’re pleased with what you’ve discovered about our Nifty personal loans why not get one yourself? We can have your cash approved for you in 60 minutes during normal business hours! No waiting in line like traditional financiers, just 100% online fast loans. Click here to read more about the loan application process.

Want to know more? Find out how you could get a bank loan today!

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

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

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

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

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

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

Who we've helped

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fast bond loans

"I was moving house and I have bad credit so I didn't think I'd get help anywhere but Nifty came through with a rental bond loan. They worked out the amount that would be suitable for my financial situations and great repayment amounts. Will use again if ever needed."

- Kim


How customers rate Nifty's Personal Loans

New South Wales Cash Loans up to $5,000. Apply now! Overall rating: 4.6 out of 5 based on 232 reviews.

Types of loans