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.
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.
Applying for an emergency loan through Nifty is super easy. There are only a few things we’ll need from you:
Our fast cash loans can be used for almost anything. Here are some of the common reasons people apply for a fast personal loan:
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.
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.
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.
Whether you were in a motor accident, or suddenly found yourself out of pocket for car repairs, an emergency loan can help you out.
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.
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.
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).
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.
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.
| 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.
