Urgent Cash Loans | $2,500 to $10,000 | 100% Online | Apply Now!

Have you been searching for a reliable lender to provide you with an urgent cash loan when you really need it? Well, you may have just struck gold. Nifty Loans is a lender with a difference. Our cash is delivered quickly and 100% online. There is no longer any need to wait in line at the bank for hours on end. You can apply online, right now, with Nifty. Our application process typically takes a few minutes to complete. Nifty’s experienced team of lenders could even have an answer to you within 60 minutes* of submitting an application (during business hours).

Who Are We?

Nifty Loans is a 100% online lender committed to giving Aussies a fair go at an urgent cash loan. We think you deserve a little leg up. That’s why we do our best to find a loan product to suit your individual circumstance. At Nifty, we pride ourselves on looking deeper. We consider your relationship with money and do not focus solely on credit checks. Our team of lenders look at your employment status, current spending habits as well as an array of other practical elements that make up your financial profile.

Unlike some traditional lenders, we understand what it is like to be in a sticky situation. It can be extremely challenging when you feel as if there is nowhere to turn. It can be even worse if you know your credit score is less than fantastic. That’s why Nifty encourages all applicants, who are in need of a loan, to apply – regardless of their credit. We believe in second chances. That means we will do our best to come up with a strategy and loan product to suit your individual situation. So, apply today and let us know how we can help sort the loan you need. You might be surprised. Nifty can also provide loans for all sorts of needs. Check out some of our other loan types:

Why You Can Trust Nifty

Well, that’s simple. Nifty has helped thousands of happy customers get the cash they need right when they need it. We believe in complete transparency. That’s why, when you sign a contract with Nifty, we will always clearly state the fees and charges, you could incur for late payment of instalments and other breaches of our agreement.

We encourage you to ask as many questions as you see necessary. Nifty also encourages you to read your contract before signing to ensure the agreement you are entering in to is right for your individual situation.

Lucky for you, we are 100% online. That means you can ask us a question at any time with the click of a button. There is no such thing as a stupid question, so ask away! You can always get in touch!

What Are Urgent Cash Loans?

You might be wondering what an urgent cash loan actually is? Well here’s a simple explanation – it’s the cash you need right now! Maybe you’ve run into a medical emergency, or maybe your car has broken down and you need cash to fix it right now, or possibly you just need cash for your next holiday. Whatever it is, when it comes to fast cash – Nifty has you covered.

Many of our applicants think urgent cash loans are only available in an emergency situation for an emergency expense. Well, we are here to tell you that isn’t entirely true. You can take out an urgent cash loan to cover a wide variety of expenses. Nifty could even loan you the funds you need for cosmetic surgery or a house renovation – bet you didn’t know that! Yes, we loan cash to cover more expenses than you might think.

Urgent Cash Loans With Bad Credit

Do we offer urgent cash loans with bad credit? The simple answer to that is yes, Nifty does loan cash to people with not-so-perfect credit scores, however, we would need to take a closer look at your individual circumstances. As we believe in 100% transparency, we do check your credit score. However, you can have full confidence in the fact that this is just a part of the process.

We prefer to take a more realistic approach to your finances. Our experienced team of lenders will take a look at your current relationship with money. After all, the most important factors are how you are planning on paying back your urgent cash loan.

As part of the application approval procedure, we may need to contact your workplace to verify employment. There is no need to stress – employment checks are something we perform regularly. Our team will never disclose any of your personal information or the reason you are applying for a loan. Nifty Loans are bound by a strict privacy and confidentiality agreement.

So, if you’re looking for a trusted lender to provide an urgent cash loan with bad credit, Nifty could be the guy for the job.

Urgent Cash Loans For Unemployed

If you’re unemployed and looking for a lender to provide you with quick cash, why not let Nifty see what we can do for you? Regardless of whether you are employed or not, you can be guaranteed a fair go at approval with Nifty Loans. We help people receiving Centrelink benefits get the cash they need in a hurry.

Providing cash to unemployed applicants can be challenging. There are many checks that need to be carried out. However, at Nifty, we are experienced when it comes to matching a loan product with the correct customer. If you receive Centrelink, Nifty may need to look at what percentage of your income the benefits make up.

We may also need to take a look at your spending habits and regular transactions made into your account. This is usually done by accessing read-only copies of your bank statements. Don’t worry, it’s totally secure – we don’t access your bank account. Nifty will only access copies of the statements themselves. You can rest easy knowing that we use the latest in safe banking technology. In order to provide urgent cash for unemployed or urgent cash loans bad credit, these checks are necessary.

What Can I Use My Fast Urgent Cash Loan For?

You can use your fast urgent cash loan for a variety of different expenses. From emergencies to holidays, you could apply for an urgent cash loan right now.

Finance For A Holiday

Have you been dreaming of taking the kids to Fiji this school holidays? Maybe your super keen to finally do a European summer or maybe you just want to head away for a romantic weekend – whatever the reason, Nifty could have the cash you need right now. All you need to do is ask.

You can even apply for a loan on your smartphone. Our application form could only take you a few minutes to complete. You could be up, up, up and away much sooner than you think. At Nifty, we love making things simple. That’s why we are always here to help. If you’ve got any questions at all please don’t hesitate to shoot us a message.

Urgent Cash Loans For Vet Bills

If your best mate is under the weather don’t panic – Nifty could provide you with the fast cash you need. That’s correct, Nifty provide urgent cash for applicants looking to cover vet bills. Unfortunately, the vet can be an extremely expensive experience. A tick on your cat could end up costing you thousands. But, you don’t have to go it alone. Nifty could lend a helping hand. You could even apply for a loan of up to $10,000 on your smartphone. You don’t have to go it alone. If you are thinking I need urgent cash loans no credit check to cover my vet bills, then let Nifty take care of the details. After all, you need to focus on getting your fur baby back to perfect health. We are always here to assist, so send us a message.

Quick Cash For Dental Bills

We’ve all been there. You have a tooth that’s giving you discomfort and what you think is just a small toothache then turns into extensive work and root canal! Queue the panic! Now not only is the pain from the tooth bad enough but if you don’t have the right health cover, now you need to find the funds to pay to get it fixed!

This is where Nifty’s quick cash for dental can help. You can apply for a loan of up to $10,000 completely online to help get you back in the dental chair quick-smart! If you apply during business hours, you could even have an answer within 60 minutes! Now that’s painless!

Moving expenses

Everyone knows how expensive moving can be and sometimes it happens fast without the time to save for the costs associated with it! From paying bond upfront to paying removalists to help transfer your things, the costs can certainly add up. So where can you get the money quickly to make the process as simple as possible?

Well, Nifty offers relocation loans that can cover all those expenses to get you into your next home as soon as possible. Our fast application process means you can apply for any amount between $2,500 – $10,000 on your mobile, tablet or computer and so quick it can all be done on your break from packing boxes! So give Nifty a go to see if we can help relieve some of the stress!

Who Have We Helped

Nifty has helped lots of Aussies with the cash they need! Our team will always do their best to match you with a suitable loan product. Take a look…

Urgent Cash Loans Today Amount Approved
Instant Cash Online For Bad Credit AUD ($)2,500
Quick Cash Loans Now AUD ($)4,600
Speedy Cash Loans Online AUD ($)5,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Ready to Apply?

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.