Western Australia Cash Loans up to $5,000. Apply now!

western australia

Western Australia is a beautiful state. Those of us lucky enough to call WA home know this better than anyone. We also know that sometimes modern life throws a spanner in the works, and things don’t seem as beautiful as you remember. Well, that’s where we step in.

Find yourself looking for Western Australia Cash Loans? Well, look no further than Nifty! With a 100% online application process and fast outcomes, Nifty are the no fuss lenders you’ve been dreaming about. So, what are you waiting for? Apply Now!

What are cash loans Western Australia?

At Nifty we understand that life doesn’t always go to plan. It can only take a little bump to derail your month and leave you in the lurch. So, if you are looking for that little helping hand to get you through the storm, Nifty is here for you.

How can we help? Well, at Nifty we offer fast little cash loans between $300 to $5,000.

As we mentioned before, we pride ourselves on being super quick! So, if you apply during our normal business hours, you should receive an outcome within 60-minutes of applying. Now that’s Nifty!

Do you do bond loans WA?

Are your current roommates driving you up the wall? Or maybe you’re thinking it’s high time you got a place of your own? Whatever your reason, Nifty is here to help you get that bond money together.

We offer cash loans from $300 all the way up to $5,000. So whether you’re moving into a student sharehouse or the ultimate pad, Nifty has the loan for you!

What’s more? We offer 100% online instant cash loans.

This means you can apply for your cash loan from the comfort of your lounge, office, car or your local library! You can even apply while hiding in your bathroom avoiding your annoying roommates. We’re a loan pal you can carry in your pocket.

What is a personal loan WA?

A personal loan is simply a short term lending arrangement between an individual and a lender. At Nifty, we offer personal loans to Western Australians ranging from $300 to $5,000 with repayment periods that depend on the value of the loan.

So, if you take out one of our smaller loans ($300 – $2,000) you can choose a repayment period of between 3 to 6-months.

Alternatively, if you take out one of our bigger loans between $2,100 – $5,000 your repayment period will be between 12 to 24-months.

Keep in mind that all of our loans over $2,000 will be secured personal loans. This just means you will need to nominate an asset to be put up as security against the loan.

Do you do bad credit loans WA?

Nifty is here to help all Western Australians, even those with bad credit. We realise that people are so much more than just a credit score, and have shaped our service around this. Now, while we can’t guarantee we’ll approve every loan application we receive, we can guarantee we’ll look at each case as an individual.

If you are worried your past financial mishaps may get in between you and a Nifty loan, don’t stress!

We use the latest in safe-banking technology to access a read-only copy of your bank statements over the last 30-days. This isn’t us being nosey, we promise! Rather, this is so we can get an understanding of your current relationship with money. If we can see that you have been responsible with your other repayments over this period, there shouldn’t be any reason why Nifty can’t help you get that loan you’re looking for.

So, if you’ve been turned down by other lenders before because of your credit history, why not give Nifty a try?

We truly believe in second chances and will do our try our best to help get you back on your feet.

How do I know if I’m eligible?

While we’d love to help all Western Australians find the finance they need, we do have a few minimum requirements. So, before you apply with Nifty, just make sure that you are:

  • At least 18-years of age?;
  • Receiving a regular income (we accept both work and Centrelink income!) into a personal bank account?;
  • An Australian citizen or permanent resident?;
  • Able to access an active mobile number and email address?

Fit the bill? Well, let’s get started finding you that Nifty finance!

What if I’m on Centrelink

We can indeed offer cash loans for customers receiving Centrelink. In our mission to make finance accessible for all Western Australians, we are happy to consider Centrelink as regular income. You are welcome to apply with Nifty if you are receiving any of these Centrelink payments:

  • Retirement;
  • Family;
  • Parent aid;
  • Disability;
  • Apprentices;
  • Indigenous Australians.

How long until I receive my loan?

If you submit your application within normal business hours, you should have an outcome within 60-minutes.

Once you have agreed to the terms and conditions of your loan, we’ll get to work sending your cash over. You could expect to have the cash in your account within the same day, or at latest, the next business day. This will all depend on when your application is approved and how your bank handles these types of transfers.

How do I repay my loan?

Lucky for you, repaying your Nifty loan is just as easy as applying for one!

How does it all work? Well, we set up a direct debit from one of your nominated accounts. This means you won’t have to worry about manually sending through your repayments, it’ll happen automatically.

To make life even easier, we recommend lining up your repayment cycle with the day you normally get paid. This will usually guarantee you have enough money in your account, so you can avoid those unwanted penalty fees.

Yes, if you do miss a payment without notifying us at Nifty, you may be charged an additional penalty fee.

If you are concerned you will not be able to afford a particular repayment, please get in contact with our friendly staff as soon as you can. By getting in contact, we may be able to come up with an alternate repayment plan.

Once your repayments are completed, the direct debit will end automatically.

What can I spend my cash loans Western Australia on?

Whether you live in Western Australia, or you’re just visiting, there is a heap of amazing things to experience in our great state. So, if you’re looking to spend your Nifty loan on something more exciting than bills and expenses, here are a few options:

AFL game:

WA is a footy-mad state. So, whether you’re a West Coast or Fremantle fan, there’s nothing better than a day out at the football. Especially with the opening of the new Optus stadium, there’s no better time to experience AFL in Western Australia.

Keep in mind that ticket prices are a little steep, and games can sell out early. We recommend doing a bit of research before buying, and buying early.

Finally, avoid ticket scalping websites. These sites will often advertise tickets for a hugely inflated price, and you’re not even guaranteed they are the genuine article. So, just be a little careful if you’re buying from anyone other than an official outlet.

Cricket match:

Yes, WA’s other great love – cricket!

While the WACA may have played its last test, the spirit of cricket is still alive and well in the West. So, if you find yourself in our great state in summer, why not consider going to watch a spot of cricket?

For the cricket tragics, there is usually at least one test played in Perth over the summer. Can you think of any better way to spend an entire day?

For those who may not have the same level of passion or attention span, explore what T20 and ODI options are available.

Check out the Cricket Australia website for all the information you’ll need.

Little Creatures Brewery:

You may not know that the famous Little Creatures brewery is just down the road in Fremantle. The brewery is open to the public and provides a few great options for spending the afternoon.

There is a brewery tour available, so you can see how exactly the golden nectar is made.

If you’re less concerned with learning about beer as you are tasting it, there is a cafe and bar available. Here you can sip on your favourite beer and watch the sunset over the harbour.

Explore Fremantle:

Fremantle is just 20km outside of the Perth CBD but feels like a town all of its own.

Being the first place settled by English colonists in the Swan River Colony, the town is filled with historic, heritage-listed buildings. While it still preserves its historic roots, Fremantle is also vibrantly modern and forward-thinking.

For those wanting to experience WA’s colonial past, check out the Fremantle prison. Fremantle prison is the state’s only World Heritage listed building and has near 140-years of incarceration history etched into its walls.

If you’re looking for something a little lighter, why not head on over to the Fremantle markets. Housed underneath a beautiful historic building, Fremantle markets offer to tourists and locals alike some of the best wares and produce available in WA.

Explore The Kimberley:

The Kimberley is truly one of the most naturally breathtaking places in the world. However, it is incredibly sad how few Aussies have actually experienced the place.

From sunsets over Cable Beach to experiencing Horizontal Falls and Purnululu National Park, there is so much to see and do in the Kimberley.

Getting to the Kimberley has also never been easier as there are flights from Perth to Broome running every single day.

Explore Albany:

Located on the southern tip of Western Australia, Albany is the oldest colonial settlement in the entire state.

The city is littered with beautiful historic buildings. For those lovers of history, why not check out places like the Old Farm, Strawberry Hill. The Old Farm is the oldest farm in Western Australia, being built before the Swan River Colony was established.

If you’re looking for something a little more natural, Albany has some of the best beaches in the state. Middleton Beach is the closest to town, while Frenchman Bay and Muttonbird Island are also popular spots.

Margaret River:

Around a three-hour drive south of Perth lies Margaret River. The Margaret River region attracts around 500,000 visitors annually.

Most of these tourists come for one thing: to get lost in the region’s vineyards.

The Margaret River region produces some of Australia’s, if not the world’s, best wines.

So, if you are partial to a drop of vino, why not consider Margaret River as your next holiday destination? You’ll not only taste some world-class wines, but you’ll also eat like a king/queen.

Things to consider for those who are looking for a cash loan in Western Australia WA

How would this product benefit me?Nifty provides flexible loans and repayment periods.
I am in Western Australia. Am I eligible for a Nifty Cash loan?Yes! To be eligible you just need to be: Over 18, a permanent resident and have a regular source of income. We’ll also need an active mobile number or email address.
What are the terms?Repayment terms vary depending on the loan amount. Scroll up to our loan calculator to get an idea of the terms.

What are you waiting for Western Australia?

Scroll up and apply today!

Our customer service representatives are standing by to help you with all your personal loan needs!


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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Thank you Nifty

"Have had no problems with this business they were happy to approve my loan to help me and my children out when in need with affordable payments."

- nicola-d513


How customers rate Nifty's Personal Loans

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

Types of loans