Emergency Loans up to $10,000 | Very Fast Approvals Online

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

Apply now for:

Fast Personal Loan

up to $5,000


Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

Your data is secure

Comodo Logo

Trusted by

Trusted Site Logo

Our customer rating

Google Reviews

ⓘ Loan Disclaimer

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Emergency Loans up to $10,000

Light bulb

Here's a Nifty question!

Looking for ways to help protect yourself from emergencies? Keep reading till the end of the page!

Need help with an emergency?

Broken down car? Dog’s gotten sick? Maybe spilt a cheeky glass of red all over your laptop? No one likes having to fork out expenses for those unexpected incidents. At Nifty, we know just how expensive emergencies can be. So when they do happen, and you find yourself falling short on funds to pay for it – that’s where our emergency loans come in! 

Our emergency cash loans are designed for when these nasty incidents pop up. Did we mention they are 100% online, paperless and quick – all the ingredients for when you need money fast! Now let’s get to work helping you cover those nasty expenses!

Who are we?

Before we delve further into our emergency loans, we thought we’d introduce ourselves first. We are Nifty Loans, an award-winning online lending company that more Ausies are turning to for a reliable and affordable loan service. 

At Nifty, we know there’s a pretty bad stigma associated with our industry. That’s why we’re here to change that for the better by acting as a reliable and trustworthy lender to help you move forward with your life. We use honesty, transparency and great service to prove that we are the right lender for you.


What are emergency loans?

Emergency loans are personal loans provided for a specific need. What specific needs? You guessed it – financial emergencies! We know, not only are financial emergencies not fun to experience, they’re not very fun to talk about either. But the reality is that most of us will experience them at some point in our lives, and unfortunately, they can occur when you’re not exactly flushed with cash. 

Emergency loans can provide that much-needed leg up, so you can get your life back on track. Nifty can approve personal loans for emergencies. Not only that, but we can give you an outcome in 60 minutes!* We understand that when you need money for an emergency, you need it fast! 

How quickly can I get an emergency loan?

If you apply within AEST business hours, our team of loan specialists can offer you an emergency loan and approve your application on the same day. Some applicants receive a yes or no answer from Nifty Loans within 60 minutes of completing their application.

Can I get an emergency loan if I have bad credit?

Yes! We offer emergency loans to those who have bad credit. At Nifty Loans, we view your credit history as just that – history! We focus on the bigger picture by reviewing your current finances to see how you’re going to repay the loan. So, if you’ve got bad credit, you could still be approved for a personal loan with Nifty.

Do you do credit checks on emergency loans?

Yes. Nifty are committed to responsible lending, which is why we conduct credit checks on all assessments. However, your credit score isn’t the sole basis for approval. We are more focused on your current relationship with your finances. This is why we ask for a copy of your most recent bank statements.

Our team will obtain a read-only copy of your bank statements to get a better idea of your spending habits, income and existing financial commitments in order to determine whether or not you will be able to repay a loan. If we can see you have been receiving a regular income for at least three months, and have been keeping up with any other repayments you may have, you could still be approved for a loan. 

Although we don’t offer no credit check loans, you could still be approved for a bad credit loan.

Yes! At Nifty, we believe you shouldn’t be penalized for being on Centrelink. We consider Centrelink as a regular source of income. If your loan repayments will comfortably fit with your Centrelink income, you could stand every chance of being considered for approval. 

Our team will assess your application and do their best to match you with a loan that suits your financial situation. This doesn’t mean you’re guaranteed to get a loan. However, we can guarantee we will always give you a fair and just assessment. 

How do I repay my emergency loan?

Repaying your emergency loan couldn’t be easier! Our repayments work by setting up a direct debit, so that your repayments will come out of your account automatically. We will ask you to select a day to deduct repayments. They can be set up to come out of your account on a weekly, fortnightly or monthly basis – it is entirely up to you.

Typically, we’ll align your repayments with your pay cycle. Selecting the right payment structure ensures that you always have enough money in your account. So, as long as you have enough cash in your account to cover the payments, they will just come out automatically. No need to set reminders only to forget to make the payment. Just make sure you don’t spend your entire paycheck the moment you get paid! 

Who can apply for emergency loans?

We have a list of eligibility criteria that you’ll need to meet before you apply. To be eligible you need to:

  • Be 18 years or older;
  • Be an Australian Citizen or Permanent Resident;
  • Receiving a regular income into a personal bank account for the last 3 months;
  • Have an active Australian mobile number and email address;
  • Have internet banking set up.

If you meet this criteria, then you’re eligible to apply for our emergency loans! 

What information do I need to provide?

Our application is super simple and quick! That means no unnecessary documents and paper forms. You just need to fill out a few important personal and financial details, such as:

  • 100 points of ID (name, D.O.B, etc.)
  • Contact information
  • The reason for your loan
  • Internet banking details
  • Your MyGov account details (if you receive Centrelink benefits)
  • Employment details and employer contact information

Having these details handy will help you breeze through your application. Leave the legwork to us, and complete your quick online loans application in just a few minutes!

How do I apply for emergency loans? 

Submitting an application with Nifty is easy, stress-free and 100% online! You just need a few pieces of information handy and can get started any time. We’ve provided you with some quick, simple steps on how to do this:

Step one: Choose your amount

To start your application, scroll up to use our loan calculator. Using the slider, select how much you wish to borrow. You will need to consider how long you would like to take to pay back your loan. Once you’re happy with your loan terms, click the Apply button. 

Step two: Submit your application

You’ll then be taken to our 100% online application form. Fill out the required fields and submit the relevant documents. Once you’re done hit ‘Submit.’ 

Step three: We’ll assess your application

That’s it from you! We’ll take over from here. Once we’ve received your application, our team of loan specialists will get to work assessing it. In other words, just sit back and relax while we assess your application. 

Step four: Review and sign your contract

If the Nifty team has been able to match you with a same day loan, congratulations! We’ll then send you an electronic copy of your loan contract for you to review and sign. We recommend reading the terms and conditions thoroughly to make yourself aware of any fees and charges for late or missed payments. When you’re happy, e-sign it!

Step five: Get your cash!

Finally, as soon as our team receives your signed contract, we’ll transfer your cash. If your bank is NPP or Osko enabled, you could have the cash in your account in just 60 seconds. Of course, this is all provided your contract is signed before the close of business

What loans does Nifty offer? 

Nifty offers three different types of  loans. We’ve listed these in the table below:

Loan TypeSecured OptionsLoan amountLoan term
Small LoanUnsecured$300 to $2,0006 to 12 months
Medium LoanSecured$2000 to $4,6009 to 24 months
Large LoanSecured$10,0009 to 24 months

If you’re curious about our interest rates and fees, head to our costs page for more info.

Why choose Nifty?

At Nifty, we think we’re pretty good. Yes, we are a lender but we’re different from the others. We are a 100% online Australian money lender. We pride ourselves on delivering fast cash loans and providing genuine customer service.

In tough times when you’re hit with unexpected expenses, we understand you’ll be on the hunt for a trustworthy lender that can offer fast outcomes and even faster payouts. Here are a few reasons why you’re better off turning to Nifty for emergency loans when those unexpected expenses come up: 

  • Fast application;
  • Quick approvals;
  • Instant fund transfer*
  • No hidden costs;
  • No early exit fee;
  • Helpful and friendly customer service.

Most importantly, at Nifty we understand that life doesn’t always go to plan and sometimes customers need a second chance!


Here's a Nifty fact!

Australians lost almost half a billion dollars to scammers in 2018

3 common uses for an emergency loan:

No one can predict the possibility of running into a financial emergency. Which is why it’s important you have a solid action plan for when such instances arise. To help with this, we’ve listed some of the most common emergencies that could be helped with an emergency loan:

Loss of employment:

Whether you’ve been made redundant or need to resign, sudden loss of employment can be financially devastating. If you don’t have a healthy annual leave or termination payment, you could very easily land in some hot water when it comes to your ongoing bills. Nifty can provide emergency cash loans to people who receive Centrelink benefits. 

Medical Expenses:

If you or a loved one require immediate or long-term medical attention, treatment expenses can be tough to handle. Although Medicare covers most healthcare costs, there are some treatments that are completely out of pocket, such as ongoing therapy (physio/speech/podiatry etc.), dental treatments and home nursing.

Car Expenses:

Unexpected car expenses strike without warning and can be a big blow to your finances if you’re dependent on your vehicle. Cars are already a large drain on your pocket with their regular running costs, but throw engine failure into the mix and it could lead to a financial disaster. This is even worse if you are involved in an accident.

Emergency cash loans 24/7 in Australia

Why is it that emergencies always seem to strike when we’re not exactly strapped for cash? 

When emergencies leave you short on cash, an emergency cash loan can act as a safety net when you don’t have a plan B. You can apply for one of Nifty’s emergency cash loans 24/7. Our cash loans can be accessed anywhere in Australia on a 24/7 basis. 

If you apply outside our business hours, then it may take us a little longer to get back to you with an outcome. You won’t have to wait days or weeks though! We’ll get back to you first thing the next morning with an outcome on your loan. 

Emergency loans bad credit unemployed

If you need a cash injection following an emergency, you might be looking for emergency loans for bad credit or emergency loans for unemployed- depending on your situation. Well we’re here to tell you that if you’ve got bad credit, you’re unemployed or both, you can still apply for a Nifty loan. 

We treat people applying for emergency loans a little differently than say, a bank, would. We won’t reject your application purely on the basis of credit check. Instead, we’ll look for other ways to approve your application. So if we see you have a bad credit score, we can put more focus on things like your income and spending to see if you can manage the repayments on a loan. 

Similar to bad credit, we can also approve your application if you receive Centrelink benefits. If we see that you’re able to comfortably afford the loan repayments using your Centrelink income, then you’ll have a higher chance of approval. 

Emergency cash loans Australia

Searching for a fast and easy loan to cover an emergency expense? Nifty has changed the game when it comes to quick cash loans. We can approve your loan in just 60 minutes.* What’s even better? If approved, most people receive their cash within 60 seconds! 

We know if you’re looking for emergency loans Australia, you most likely don’t have time to muck around. That’s why we’ve optimised our loan process to be as speedy and as painless as possible! 

Don’t waste any more time! If it’s emergency cash loans for unemployed, bad credit or both, then Nifty may be able to help. Scroll up to the top of this page, select the amount you’d like to borrow and click ‘Apply Now.’

Ready to apply?

We’re hoping you now have all the information you need to make an informed decision about whether or not an emergency loan is the right thing for you. If you still have more questions, check out our FAQ page or send us a message

Otherwise, go ahead and scroll to the top of this page to get started with your application!

Apply Now

Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

Read More

Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.