Looking For Some Extra Cash? Ask Nifty Loans!

Extra Cash

From time to time we all need a little extra cash. Whether it’s for an unexpected trip to the dentist that is going to cost you an arm and a leg, or a much needed holiday – Nifty can help you with the cash you need.

At Nifty, we are committed to making online lending safe, simple and stress-free. Our team won’t waste your time with pages and pages of paper forms. Say goodbye to endless paperwork, and waiting in line. When you apply with Nifty Loans, the entire process is 100% online. From application to approval, you won’t even have to leave the comfort of your own home. With Nifty, the extra cash application you need is always in your pocket.

What are personal loans?

If you’re wondering what we mean by extra cash then let us explain. Nifty Loans offers fast unsecured personal loans between $300 to $2,000 and secured loans between $2,100 and $5,000. The repayment period depends on the amount you choose to borrow.

What is a small unsecured loan?

An unsecured loan does not require attached collateral. Unsecured loans can be used for a variety of different expenses. From car repairs to medical bills, Nifty could get you the cash you need in a flash. We are committed to making online lending as simple as possible.

Our team are down to earth and realistic. We do our best to look at the whole picture, and we’re ready to give every Aussie a fair go at the loan they need. As part of our smart assessment process, we look at more than just your credit score. We take into account your current financial situation and ability to repay the loan. So, don’t let bad credit deter you from applying for the Nifty loan you need.

About Us: Nifty Loans

So, what’s all the fuss about? Why should you trust Nifty? Nifty Loans is the trusted name in online lending. If you’ve been searching the web for a ‘money advance, ‘quick cash advance’, ‘fast loan advance’ or ‘extra money online’ then you probably know how many lenders are out there. At Nifty, we’re different. We won’t promise anything that we can not provide. We give every applicant a fair go, and we deliver fast, smart decisions so you can get back to what you do best.

At Nifty, we are proud to be responsible lenders. That means we do the right thing by our customers. So, we will check your credit score and we won’t promise you instant approval – because sometimes this isn’t always possible. Our team is known for honesty and transparency. That’s what makes us different from the rest.

Although we can not promise instant approval on a money advance or personal loan, we can guarantee a fair go on the finance you need, whether you have bad credit or receive Centrelink. Nifty Loans is 100% online, that means you can apply anytime anywhere. Our application is always a click away.

If you submit your application during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes. If your application is approved, we’ll transfer the cash straight to your account. If your bank supports instant bank transfers then you could have the cash in just 60 seconds*.

How could I use my extra cash?

So, you’re in need of some extra cash? Here are just some of the reasons you could apply for a personal loan:

Can I get extra cash for a holiday?

Yes, that’s right, Nifty could apply for the quick loan you need to make your holiday unforgettable. Whether it’s a weekend away or an around the world trip, our team will do their best to get you the extra cash you need when you need it.

Nifty isn’t like traditional lenders. We understand that Aussies don’t have time to stand in line at the bank or wait days for approval. Nifty is committed to making fast and reliable loans accessible to all Aussies. We accept applications for almost every circumstance imaginable. Whether it’s bad credit or Centrelink, Nifty will conduct a thorough assessment of your loan application and do their best to match you with an appropriate loan product.

Can I get extra cash for vet bills?

If the dentist has just hit you with the bill and you’ve got more than just a sore tooth to worry about don’t go it alone. Nifty is here for life’s little surprises. We’re the local online lender you can trust. Our team are real people, we want the best for our customers. We’ll make every effort to find you the extra cash that matches your individual circumstances. Our team assess every application individually to ensure the best possible outcome is achieved.

Can I get extra cash for unexpected bills?

Bills, they always pop up at the most inopportune times. If the utility bill has proved more expensive than you expected and the internet bill has rolled in a day later you might be in need of some extra cash. At Nifty, we understand that sometimes life throws a curveball or two. Why blow the budget? Nifty can provide the personal loan you need in minutes. If you submit your application during AEST business hours, the Nifty team will do their best to get back to you with an outcome in just 60 minutes. You won’t have to wait around for your cash either, instant bank transfer means the money could be in your account in 60 seconds*!

Am I eligible to apply?

If you’re ready to apply for a quick cash advance then you’ll need to know who’s eligible. At Nifty, we like to keep things straight forward, so before you apply, check off our list of requirements:

  • Applicants must have an active mobile phone number and email address;
  • You must have internet banking set up;
  • All applicants must be over the age of 18;
  • You have had a regular income for the last 3-months into a personal bank account;
  • You must be able to prove you’re an Australian citizen or permanent resident.

What information do I need to submit?

In terms of documents, we’ll only ask you for the necessities. When you apply with Nifty, we won’t ask you to fill out pages and pages of paper forms. All you’ll need to do is submit the following information in your application:

  • Your basic personal details (name, D.O.B etc);
  • Internet banking details (so we can securely access read-only copies of your bank statements);
  • The reason you are applying for your loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact in order to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

Will Nifty perform an employment check?

Nifty Loans is committed to responsible lending. That means we employ the best to make sure our customers get the best possible experience with the Nifty team. Our commitment to responsible lending means we will most likely conduct an employment check when you apply for a fast loan advance.

An employment check just allows our team to verify a few details and confirm that you have a regular source of income. The Nifty team are professional and discreet. We will never disclose any of your private or personal information. We place great importance on the security of your information. Remember, our team are here to help. Head over to our FAQ page or get in touch today!

Why do I need to provide my online banking details?

If you’re wondering why the Nifty team might ask you to provide your online banking details then let us clarify – it is not so we can access your bank account. We use online banking information to access read-only copies of your bank statements. Bank statements help us to assess an applicant’s spending habits, income and financial commitments.

At Nifty, your credit score isn’t the whole picture when it comes to applying for extra cash. We look at your income and expenses as well to assess whether you’re suitable for a loan. Essentially, the Nifty team wants to know whether or not you will be able to repay your loan. Nifty uses a third-party provider to encrypt all personal information and passwords. We encourage applicants who have any questions surrounding online banking to get in touch.

Can I apply for extra cash with bad credit?

If you’re looking for some extra money online but worried about your credit score, or not sure how to check on your score, you’re not alone. Research has found that two-thirds of Aussies don’t know their credit score, with 2.7 million too scared to check. With Nifty you can breathe a sigh of relief, we look at more than just your credit score. So, don’t let a credit check or credit score deter you from applying with us.

Our team looks at more than just your credit score when you apply for extra cash. Nifty takes into account your spending habits, employment status, income and pre-existing financial commitments in order to determine whether or not a quick cash advance is right for you. We understand that sometimes mistakes happen, and circumstances change. It is important to remember that Nifty is a responsible lender. That means we will conduct a credit check when you apply for extra cash online.

What if I’m receiving Centrelink?

At Nifty, we understand that everyone is different. That means every financial situation is different. Sometimes applying for Centrelink benefits is unavoidable. We don’t think this should mean you can’t apply for extra cash. At some point or another, we all need a leg up. If you’ve been googling ‘extra money online’, ‘need extra cash’, ‘extra cash online’ or ‘I need extra money’ then you might have just come to the right place. Nifty is committed to providing all applicants with a fair go.

The Nifty team can not guarantee approval for every Centrelink recipient that applies for a money advance, however, we can guarantee we will do our best to find a compatible loan product. Our team will need to assess what percentage of your income is derived from Centrelink and whether the repayments on your loan amount are realistic. The good news is, you submit an application online with no charge at all. Our team will conduct an assessment and get back to you. You won’t have to pay anything to find out whether or not you’re eligible for a quick cash advance.

Ready to apply?

If you’ve been googling ‘I need extra money’ then it might be time to turn to the lender you can trust. If you’re ready to apply, here’s what you’ll need to do:

Submit an application

To get started simply scroll up and use our loan calculator to enter your desired amount and repayment period. When you’re satisfied just hit ‘apply now’ and you’ll be sent straight to our online application.

Fill Out The Form

All you’ll need to do is supply us with a few important details and the Nifty team will start assessing your loan application. All you’ll need to do is kick back and relax. The Nifty team will do all the hard work for you.

We assess you application

The team at Nifty will personally assess your application and do their best to match you with an appropriate loan product. If we are unsuccessful we’ll let you know immediately. If we are successful though our team will get in touch and send over a loan contract.

Review your agreement

If your loan application has been successful a member of our team will send over a loan contract for you to review and sign. The Nifty team encourages all applicants to read over their agreement carefully and make themselves aware of any fees or charges they could incur for late or failed payments. Our team is here to help. So, if you’ve got any questions we encourage you to get in touch. We’ll do our best to make things as clear as possible. When you’re happy with our agreement just sign and send it back to us.

Get the loan you need

Once we receive your signed loan contract the Nifty team will transfer the funds straight to your account. If your individual bank supports instant banking then you could have the cash in your account in just 60 seconds*. Scroll up and apply today!

*Only available for NPP enabled bank accounts

Nifty has everything you need to know about car loans for pensioners!

Looking for a small same day loan? You might have just found the lender for the job!

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* 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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Great service

"Great company and service. Recommend 100 %."

- Azza


Types of loans