Need Cash Now? | Nifty Offers Fast Personal Loans | Apply Now!

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Fast Personal Loan

up to $5,000


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

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

If You Need Cash Now, Consider Applying With Nifty. We Can Offer Super Fast Personal Loans.

If you need cash now, can apply with a short term lender, like Nifty. But Nifty isn’t like any other short-term lender. Nifty is able to get you a small loan – super fast! Even if you have bad credit, Nifty still may be able to help you out with a loan. You could even be eligible for a cosmetic surgery loan, truck loan, home improvement loan or even an IVF loan!

Need cash Now

I Need Cash Now

Realizing that you need money urgently can be a stressful thought, especially when you don’t know who to turn to. When a financial emergency or a surprise bill strikes and you need money now, Nifty can lend a hand. We’re here for those rough times. We understand that most of the time when you need cash, you need it quickly. That’s why Nifty has created a seamless 100% online application process so that everyday Aussies can get the cash they need when they need it.  

Borrowing from a bank or traditional lender can mean standing in long queues and printing out mountains of paperwork. The whole process can take days but if you’re like most people, you don’t have days to wait. Therefore, if you need cash now, you could consider a neo-lender, such as Nifty. We understand the importance of convenience and quick cash. 

Nifty Loans

You might be wondering, ‘who is Nifty loans and what do they do’? We’re glad you asked. Nifty is a trusted and reputable name in the world of online lending. We’ve revolutionised the way people view lending. Our process is 100% online meaning you can apply from the comfort of your own living room, you won’t have to take one step inside a branch or line up in lengthy queues. The best part? You could get an outcome in as little as 60 minutes (if you apply during business hours). If you’re approved, we may transfer the funds to your account the same business day (access to funds is subject to inter-bank transfer times. You could receive the funds in as little as 60 seconds, providing your bank account is NPP enabled however, the latest you will receive the funds will be overnight).

Are we trustworthy? At Nifty, we are proud to be a responsible lender. What’s a responsible lender? It means we won’t give out a loan to anyone who can’t comfortably afford the repayments. 

Additional Fees and Costs

When applying for a fast cash loan with Nifty, all possible costs and charges will be outlined in the loan contract. We are 100% transparent about our loan products and costs. Costs differ depending on the borrowed amount. Head on over to the costs page, to get an idea of what our loans may cost you.

What loans do we offer?

Nifty personal loans can provide you with the cash you need now! Before you apply for a Nifty loan, familiarise yourself with the loans we can offer:

1. Small Personal Loans

We offer small loans that range from $300 to $2,000. Our small personal loans can be repaid over a period of 6 to 9-months. Our small personal loans are unsecured, meaning you won’t need to attach any security against the loan. Small personal loans are our bread and butter. So, sit back and relax while we do the hard work for you.

2. Medium Personal Loans

You are also able to apply for a Nifty medium personal loan. These are loans that are valued between $2,100 and $4,600 and can be repaid over 9 to 24-months. Medium personal loans require an asset to be attached as security. 

3. Large Personal Loans

Large personal loans are valued at $5,000. These loans can be repaid over 9 to 24-months. Just like our medium personal loans, these loans will need to be secured. This means you will need to attach an asset as security against the loan.  

What Can I Use As Security?

Nifty can accept your car, motorbike, boat or caravan as security. Keep in mind, that applicants must be the registered owner of the vehicle they wish to use as security. 

Nifty also offers car registration loans. Learn more here!

Adding security against the loan greatly reduces the risk for the lender. Therefore, this allows the lender to be more lenient when assessing an application and may improve your chances of being approved.

I Need A Cash Loan Now: Can Nifty Help?

We sure can! If you are in urgent need of cash now you’re at the right place. If you need cash fast there is no time to waste! Nifty could provide you with the cash you need, whenever you need it. Our application process is 100% online, so as long as you have an internet connection you can apply wherever you are and whenever you like. 

We understand that when you need cash fast, there is no time to wait in long queues and sift through pages and pages of paperwork. We make the application process easy and fast. We know that there are many reasons for why you might need cash now – from covering unexpected expenses to paying for something you really want. That’s why we offer fast cash loans.

With our fast cash loans, you can get access to instant cash. If you’re approved, you may get the funds transferred to your account the same business day. Access to these funds is subject to inter-bank transfer times. Now, that’s Nifty! So, if you need a cash loan now, apply with us.

After Instant Cash Now?

There are so many reasons that could leave you thinking, “I need fast cash now”. At Nifty, we’ve heard them all. So, here are a few of the most common reasons for needing cash now:

Car Repairs

You may need cash fast when you’re hit with unexpected car repairs. Depending on what car you have, repairs can start getting very expensive. Especially if you rely on your car for work. If you need cash now for car repairs, Nifty can get you the cash you need fast!  

Medical Emergencies

Medical emergencies are stressful enough as it is. Not only do they disrupt your life, but they can seriously derail your budget. Medical procedures can often be expensive, and it’s difficult to have enough cash on hand to pay for them. Medical emergencies require emergency money. If you don’t have enough to cover such expenses, Nifty can provide you with emergency money fast. 

I Need Cash Now With Bad Credit: Can Nifty Help?

At Nifty, we treat all borrowers fairly. So, if you’re worried about your credit score, don’t be. We’re here to help you and won’t judge you based on your credit score. A credit score doesn’t have to be the end of your story. We don’t believe that a mistake from the past should haunt you in the future. Anyone can have less than stellar credit or bad credit. That doesn’t mean that you shouldn’t be allowed to borrow money when you need cash fast.

How do we do this? Well, we use the latest in safe banking technology to access a read-only copy of your bank statements. From here, we are able to get a better understanding of you and your relationship with money. If we can see that you’ve been making an effort with your other repayments, and have been receiving a regular income for the last 90-days, you stand every chance of being considered for approval.

You can trust Nifty

Nifty is all about responsible lending. That means we will never give you a loan we do not believe you are capable of repaying. As we have mentioned, what you see is what you get. Nifty is a lender with a difference. Unlike traditional lending avenues – such as the big banks – you can trust us to give you the consideration you deserve.

I Need Quick Cash Now: Am I Eligible?

At Nifty, we give everyone a fair go. However, there are few requirements you must meet before you can apply for a fast cash loan with Nifty. So, before you start applying, just make sure you:

  • Are at least 18-years old;
  • Are an Australian citizen or permanent resident;
  • Have been receiving a regular income for at least the last 90-days,
  • Have a valid mobile number and email address;
  • Possess a personal bank account with internet banking set up.

Are you concerned about bad credit or are you receiving Centrelink? Don’t worry! If you are looking for a financial pick-me-up to help you get through a rough patch, then you can look to Nifty Personal Loans. Read about how we can help here.

What Do I Need With Me When Applying?

We want to make it easy for people to borrow cash fast. That’s why we have a simple application and you can complete it within a few minutes. However, before you start, have these important details handy to absolutely fly through your loan application:

  • Bank account details;
  • Personal contact information (mobile number, active email address etc.);
  • Reason for applying;
  • Employment information
  • Centrelink/MyGov details (if you receive Centrelink benefits) .

If you have all this information, you should be able to complete the application form within a few minutes. You can shoot us an email at if you have any questions about the application and everything you need to complete it.

How To Apply For A Loan

Applying for fast cash loans with Nifty takes only a few minutes. You could even apply for a cash loan from the comfort of your own home! Just follow these simple steps to apply for a loan with Nifty:

Step One: Complete the Application

Scroll up to our loan calculator at the top of this page and select the amount you need to borrow and the time you need to pay it back. Done? Now click the ‘Apply Now’ button and complete the application. Don’t worry, it only takes minutes to complete.

Step Two: We Assess the Application

Once you have completed the application, our experts will review it to determine if you are eligible for a fast cash loan. You may get an outcome within 60 minutes (during normal business hours). If you apply outside of business hours, your application will be first in line the following business day.

Step Three: We Transfer the Funds

If you are approved, we will transfer the funds the same day (if approval comes during normal business hours). If your bank account is NPP approved, then you could have the cash in as little as 60 seconds. How quicks that! However, fund transfers are subject to inter-bank transfer times and the latest you may receive the funds will be overnight that night. 

Benefits of a Nifty Loan

It’s no lie that the online lending market is full of options. You may be wondering why you should borrow from Nifty when you need cash fast. There are several benefits you experience when you get a fast cash loan from Nifty. We’ve listed just a few to give you an idea:

1. Same-Day Response

At Nifty, we know that when our customers say ‘I need cash now’, they mean it. That’s why we’ve built our loan process to be as quick as possible. So, if you apply for a loan during normal business hours, we should get back to you with an outcome within 60-minutes. If you apply outside these business hours, someone from our assessment team will get to it as soon as we’re back in the office.

2. No Charges for Paying Early

If you want to pay off your loan early. That’s great and we appreciate this. We won’t charge any fees for an early exit, you are welcome to pay off your fast cash loan as soon as you want. In fact, you might be able to save a few bucks by paying off the loan before the end of the term.

3. All-Purpose Loans

You can use our fast cash loans for any purpose (within reason). Whether it is for car repairs, home repairs, holidays or medical procedure, etc. We’re happy to help you out.

4. 100% Transparent

We are determined to be upfront and transparent with all our loan products.  There are no hidden fees associated with any of our loans. You can rest assured that you’ll be paying exactly what you’ve been told. Read about the costs of our small, medium and large loans here

5. Simple Repayment

We have a simple repayment system in place to ensure that you don’t forget to make a payment. You’ll be set up with a direct debit that’ll automatically come out of your account on a nominated day either weekly, fortnightly or monthly. We generally set this up in line with your payday. This way you won’t have to worry about remembering every repayment. Once you’ve repaid your small, medium or large personal loan, the direct debit will stop automatically. That’s it!

Same-day response
No early exit fees
All-purpose loans
100% transparent
Simple repayments

Need cash now? Apply with Nifty!

When you can’t wait and need the cash now, don’t waste your time with banks and traditional lenders. You no longer have to wait in long queues or fill mountains of paperwork to apply for a fast cash loan. Just apply with Nifty by completing our super-simple application and see how fast we give you an outcome. So, apply for a fast cash loan with Nifty today.

If you have any further questions, head on over to the contact us page.


Apply Now

Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true 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. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.