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

Emergency Loans

Apply now for:

Fast Personal Loan

up to $5,000

or

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:

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  • 100% Online
  • Simple And Easy Application
  • Quick Outcomes
  • 60-Second Transfers**

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

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.

  1. Apply online by completing the loan application form;
  2. Wait for our team to assess your application and provide you with a quick response;
  3. 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?

Our technology
Our speed
We’re Australian
100% online

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

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*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.