- Market leading customer service
- 60-Second Transfers once approved3
- Fast Loan Outcomes1
- Simple & Easy Application
We're now becoming part of the award winning Jacaranda Finance group.
Here's what you can expect:
Need an emergency loan?
Sometimes life doesn’t go to plan, and your bank account ends up bearing the brunt. It might be an emergency root canal or a road trip that ends with you at the mechanics. Whatever the emergency is, Nifty is here to help you get back on track. We offer emergency loans from $2,100 up to $15,000.
Why choose Nifty?
Here at Nifty, we believe that all Aussies deserve a fair go when it comes to applying for an emergency loan. That’s why our dedicated loan specialists offer tailored loan terms that suit your financial needs.
As one of Australia’s fastest-growing small online lenders, our team at Nifty pride ourselves on adhering to responsible lending practices in line with relevant state and federal legislation. So, if you’re ready to apply for a small loan, read on below to find out how.
- Be at least 18-years of age
- Be an Australian citizen or permanent resident;
- Have an active internet banking account
- Have been receiving a regular income for at least 90 days
Applying for an emergency loan through Nifty is super easy. There are only a few things we’ll need from you:
- Basic personal info
- Contact details
- 100 points of ID
- Internet banking and employment details
- The reason for your loan
Our Happy Customers
How does Nifty offer emergency loans?
Nifty’s own loan-processing engine gives our team the ability to be inclusive lenders. This means that we can offer customers fast emergency loans, even if they have a bad credit history. It also means that we can offer a simple and quick online application process.
Here at Nifty, we pride ourselves on being one of Australia’s fastest lenders – both in terms of processing and delivering loans. Once we receive your loan application, we aim to process it on the same day*. For applicants with an NPP-enabled bank account, you’ll typically see the cash in your account within 60-seconds**.
As an Aussie-owned and operated business here in Brisbane, Queensland, we understand the importance of having a trustworthy, local lender. That’s why our in-house loan specialists and customer service team work tirelessly to provide you with exceptional service and turnaround times.
Nifty operates 100% online, saving you from unnecessary paperwork and long wait times. Our team can be reached during business hours over the phone, and if you’re short of time, you can leave your details here for a friendly customer service member to reach out to you ASAP.
How quickly can I get an emergency loan?
If you apply for a personal loan with us during business hours, our loan specialists will work hard to bring a quick outcome and, if approved, get you the money you need on the same day. Applicants can usually expect a response from Nifty on the same day* of applying.
What are the fees and charges?
Before you enter into a loan agreement, you will receive a credit guide that outlines all applicable fees and charges. Some of these may include interest charges, establishment fees, monthly fees, and late fees (if applicable).
How do I make repayments?
Generally, your repayments are aligned with your pay cycle and can be made on a weekly, fortnightly, or monthly basis. All you need to do is make sure you have enough money in your account when your repayments are due.
Does Nifty offer emergency cash loans without a credit check?
As a responsible lender, we must make reasonable enquiries to ensure the suitability of a loan for our customers. In line with this, we may conduct a credit check. However, we’re also an inclusive lender and believe that bad credit scores aren’t the be-all and end-all of your financial situation. Our team at Nifty considers the bigger picture by assessing your current relationship with money with read-only copies of your bank statements.