Emergency Loans
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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.
Why choose Nifty?
Here at Nifty, we believe that all Aussies deserve a fair go when it comes to applying for an emergency loan. Whether you’re needing $500 to $3,000 (or anywhere in between) our team is here to help. 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.
ⓘ Loan Disclaimer
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.
Why choose Nifty?
Here at Nifty, we believe that all Aussies deserve a fair go when it comes to applying for an emergency loan. Whether you’re needing $500 to $3,000 (or anywhere in between) our team is here to help. 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.
Our Happy Customers
So simple and non intrusive!
Wonderful, simple easy, filled it out at lunch time and had the money by 5pm. No unexpected costs or issues. Extremely satisfied, thank you for getting me out of a Jam! Quick and easy and easy to repay!
Grace G
Prompt and easy to deal with
Nifty are always prompt and easy to deal with.The process of applying and repaying is simple and I have utilised niftys service multiple times because of this.
Andrew W
They were so easy to deal with!
They were so easy to deal with and super fast! From the application to approval & getting the funds in 24 hours. I also had to call to change some details and they were super friendly & accommodating. Highly recommended!
Angela R
Very happy with the service!
The process with Nifty is very easy. If you’re in need of a small loan, I’d recommend this company. I was approved within an hour and had my money by 7pm that night. Very happy with the service! Thanks Nifty!
Holly A
Am I eligible for an emergency loan?
Before you can apply for an emergency loan, you must determine whether you meet the eligibility requirements:
- 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.
How to apply for an emergency loan
Applying for an emergency loan through Nifty is super easy. These three steps are all that’s standing between you and your cash.
- Apply online by completing the loan application form;
- Wait for our team to assess your application and provide you with a quick response;
- Receive your cash into your nominated bank account!
Use Nifty’s loan calculator to determine your repayments based on your desired loan amount.
What can I use my emergency loan for?
Our fast cash loans can be used for almost anything. Here are some of the common reasons people apply for a fast personal loan:
Medical fees
Got an upcoming surgery booked but struggling with how you’ll pay for it? An emergency loan can cover these costs and take the stress out of an already stressful situation.
Veterinary bills
Whether your furry friend is needing a routine check-up or facing an unexpected health issue, an emergency loan will assist in giving you peace of mind when it comes to your finances.
Rental fees
Moving house? If you’ve found yourself tight with cash and in need of a rental deposit or bond, try an emergency loan to cover these costs to ensure a smooth transition into your rental property.
Car-related costs
Whether you were in a motor accident, or suddenly found yourself out of pocket for car repairs, an emergency loan can help you out.
Funeral expenses
An emergency fund can help cover the funeral costs and ensure you have no financial stress during a difficult time.
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 within 60-minutes*. 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.
Frequently asked questions
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 within 60-minutes 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 no 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.
Does Nifty offer emergency cash loans for Centrelink customers?
Yes! Here at Nifty, we don’t believe that receiving Centrelink benefits should get in the way of accessing the funds you need. Instead, we consider certain Centrelink payments as a regular income source. However, this does not mean you are guaranteed to be approved. While the decision depends on your financial ability to repay the loan, we can assure you that our hard-working team of loan specialists will always give you a fair and just assessment.
*If you apply within our standard business hours. Subject to individual assessment. 60-minute outcomes are not guaranteed.
**If you have an NPP-enabled bank account.