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

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 $2,500 up to $10,000.

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.

Am I eligible for an emergency loan?
  • 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
What do I need to provide?

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

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.

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 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.

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.