Emergency Cash Loans for Life’s Little Hiccups

emergency cash loans

No matter how hard we budget, we aren’t always prepared for life’s financial hurdles. Storms come raging, medical expenses pile up and accidents happen! Yet, when the unexpected occurs, you don’t have to panic. Emergency cash loans can help sort out an urgent, unexpected expense and set your mind at ease.

At Nifty Loans, we know how hard it can be to access finance when you need it most. That’s why we’ve streamlined our application process to deliver fast cash loans when emergencies happen.

Emergency cash loans are personal loans typically between $300 to $5,000. To get emergency loans fast, submit an application with an online lender that cares. You can typically apply in three steps:

  1. Apply online
  2. Your loan is assessed
  3. Cash straight to your bank account

Understanding Emergency Cash Loans

There are a number of reasons why people may find themselves looking for fast emergency cash loans online. Basically, emergency loans are a form of short-term personal finance designed to help borrowers cover urgent expenses. These expenses include everything from dental bills to car repairs to funeral costs. At Nifty Loans, we require every applicant to include a reason for their loan as part of our responsible lending policy.

Why Choose Nifty?

Applying for finance can be stressful, especially if you need it fast. Lenders are a dime a dozen these days and it can be tricky to know who to trust. So what separates Nifty from the pack?

Transparency is Our Middle Name

At the heart of what we do is our dedication to transparency. We believe in being 100% open with our all of our fees and charges. All your possible fees and charges are included in your loan contract. Our team will also always endeavour to help you find the right financial solution to meet your situation.

100% Online

Our loan application is 100% online, meaning no messy paperwork and no extended waiting periods. Say goodbye to waiting days and hours for an outcome, if you apply during our standard working hours we could get back to you within the hour! Best of all, we’ve optimised our application process to be as simple and efficient as possible. You could even finish it within just a few short minutes.

Emergency Cash Loans in One Hour!

When you apply for a loan with Nifty during standard business hours, you could have a response in under an hour. Better still, if you’re approved for a loan with us, we could potentially get the cash to your account in just 60 seconds! For most customers, we can have the cash in their bank in only 60 seconds once the loan contract has been signed.*

*This applies to NPP-enabled bank accounts only.

How Much Can You Borrow?

Nifty offers three types of personal loans that can be used to cover emergency expenses:

Small$300 – $2,0003 – 6 monthsUnsecured
Medium$2,001 – $4,60013 – 24 monthsSecured
Large$5,00013 – 24 monthsSecured

Although it’s free to apply, if you’re approved for an emergency cash loan standard fees and rates will apply. Head to our Costs page or get in touch for more details on what associated costs you can expect to pay for our loans.

Who Can We Help?

Nifty offers small, medium and large personal loans which can be used to cover a wide range of emergencies. To be eligible for a personal loan with Nifty you just have to satisfy the following criteria:

  • Are you an Australian citizen or permanent resident?
  • Are you 18 years of age or older?
  • Over the last 90 days, have you received a regular income into your own personal bank account?
  • Do you have an active email address and mobile phone number?

If you can fulfil all of these requirements then you’re eligible for one of our emergency cash loans!

Emergency Cash Loans For Unemployed Applicants

Have you been googling ‘emergency cash loans unemployed no more hassle’? Well, stop your searching! If you’re unemployed you may still be eligible for emergency cash loans with Nifty if you receive some alternative form of income. For example, we may consider Centrelink payments as an adequate form of income so long as they meet the needs of our loan repayments.

Ultimately, this varies between applicants so we can’t guarantee emergency cash loans to unemployed applicants. If you’re unsure whether you would qualify for a loan with your income, we still encourage you to apply. It’s free to do so and that way we can provide a more comprehensive answer.

Emergency Cash Loans Bad Credit

Want to apply for a loan but afraid your bad credit history is holding you back? Don’t stress! Here at Nifty Loans, we take a different approach to credit. We understand that negative reports on your credit history can last for as long as 7 years. A lot can change in that time and you shouldn’t have to be held accountable for past mistakes. Consequently, we’ll look at other factors like your income and employment status when determining your approval for a loan.

We may not be able to guarantee approval, however, we guarantee we’ll give you a fair go at finding the loan you need, when you need it most.

Do You Provide Emergency Cash Loans No Credit Check?

No! Although we don’t view your credit score as the be-all/end-all, we do conduct credit checks on all our loan applications. Credit checks are part of the larger process we undertake when investigating your current relationship with finances. So while we won’t base your assessment solely off your credit rating, as a responsible lender, we want to ensure that we are providing finance to applicants who can afford it.

Repayments Made Easy

Repaying your loan with Nifty couldn’t be easier! We’ll set up your repayments so they will be directly debited from your account. There’s no need to worry about setting a reminder to make your payments – everything will be automatic. Repayment terms vary based on your loan size but will generally range from 3-24 months, depending on your loan amount. As soon as you’ve repaid your loan, your repayments will stop. Simple as that!

Can I Repay My Loan Early?

Of course! Nifty is more than happy for borrowers to repay their loan early. We do not charge any early exit fees, so you’re welcome to repay your loan sooner if you’d like.

Documents You’ll Need

To apply for emergency cash loans with Nifty, you only need the essentials! Before you begin your application make sure you have the following information handy:

  • Personal details (e.g. online banking and employment info)
  • A reason for why you need the loan
  • Your myGov details (if you are on Centrelink)
  • Your employer’s contact details

Why Do You Need My Internet Banking Details?

Basically, we need your online banking details to access your bank statements only. The reason we ask for your details is so that you don’t have to worry about providing us with the paperwork. We also look at our applicant’s bank statements to verify their current financial circumstances and income. Ultimately, this allows us to gain a more comprehensive understanding of a person’s situation beyond their credit score.

Will You Contact My Employer?

In some circumstances, yes, we will contact your employer as part of our routine application assessment. We will only call your employer to verify your position and promise complete discretion. Our team are highly experienced and will never disclose your private information or your reason for applying for a loan. If you have any questions or concerns about this, don’t hesitate to get in touch! Our team are more than happy to help you in any way they can.

4 Steps to Finance

Think you’re ready to apply? Emergency cash loans are just four steps away!

Although we can’t guarantee you will be approved for a loan with us, we can promise to give you a fair assessment. Please direct any questions or concerns you may have to our Contact form and our friendly team will be in touch soon!

1. Submit your application

To start, scroll up and use our loan calculator to enter your preferred loan amount and repayment period. Once you’re happy, hit the ‘apply now’ button and you’ll be directed to our online application form. There you will just need to enter a few more details to finish off your application. If you have all your documentation ready to go, you’ll be right to hit submit in just a few short minutes!

2. Get an answer from us

Now, it’s our turn to get to work. While we review your application, sit back and relax. Our assessment process is highly efficient, so you could get an answer within the day! If you submit your application during regular AEST business hours, we could even have an outcome for you in as little as 60 minutes. If your application is approved, our team will contact you directly.

3. Sign your loan contract

If approved for a loan with us, we will send through a loan contract to read and sign before we release your funds. Please ensure you read through this agreement carefully so you are aware of any fees or charges you could incur for late or failed payment. If you’re happy with the terms, simply sign and send it back to us!

4. Money money money!

Once we have received your signed loan agreement, we’ll schedule the transfer of your money! If your bank has partnered with the New Payments Platform, we may be able to transfer the money to your account straight away. Otherwise, you can expect to receive your money overnight at the latest, if you returned your signed contract during business hours. Refer to your banks’ website for information specific to their transfer times.

Before You Apply

Emergency cash loans can help cover the expense of unexpected costs, but you should still consider whether a personal loan is right for you. Nifty does not provide financial advice so speak to a professional financial advisor if you have any uncertainties. Ultimately, it is up to you to decide whether or not a loan product is suitable.

If you would like to know more about our loan products, we’re 100% transparent. We won’t keep anything a secret. So contact us directly if you have any questions regarding our loans.

Be Informed

Still have some questions about our personal loan products? Want to learn more about finance in general? Nifty Loans covers a wide range of topics on our site, including everything from loans for people on Centrelink to micro loans. You can also read up on the latest in finance and lifestyle over on our blog!

For answers to our most commonly received questions, check out our FAQ page!

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

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

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
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 Loans In An Hour Once Approval Has Been Confirmed
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


Get Fast Money Today - Small to Big Cash Loans
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

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews


"Prompt Response. Clear understanding of requirement and helpful customer service."

- Cass


Types of loans