Looking for fast cash loans Australia wide? Apply with Nifty Loans!

fast cash loans Australia
Fast cash loans Australia wide are personal loans that can be accessed in a short space of time. These loans can be for amounts between $300 and $5,000. Loans over $2,000 must be secured. Depending on the loan amount, the repayment period can range from 3 months to 24 months. Nifty could even provide you with one hour loans when you need cash quickly!

Ever needed a financial helping hand to pay for an expense that caught you on an off day? Chances are, quite a few of us have been in a position where some extra cash would’ve made a world of difference. If you find yourself in a bit of a sticky situation, fast cash loans Australia could provide the short-term financial relief you’re after! Keep on reading to find out how you can get these fast easy cash loans and how you can use them.

What can fast cash loans Australia wide do for me?

Fast cash loans Australian could help you out in a bunch of different situations. Many people might be looking for a loan when a bill catches them by surprise, but emergency loans are just the tip of the iceberg. Let’s have a look at some hypotheticals which could easily happen to any of us.

Got a furry, feathered, finned, or otherwise fun friend in your life? The different types of pets you can get are about as endless as the vet bills that you can accrue while taking care of them. Maybe the dog managed to get hold of some food that wasn’t meant for it, or the cat and the bird had a “disagreement”. Whatever the cause of the visit, vet bills can be a shock to anyone’s financial system. The good news is that if a vet bill hits you for six, you can apply for fast cash loans Australia!

At some point, all of us need to take a break from our day jobs and get away for a while. If you could use some help covering the expenses that come with travelling, holiday loans might be right up your alley. Whether you’re taking a road trip, flying across the country or setting off overseas, a number of costs can spring up. If some extra cash would give you some peace of mind when it comes to paying for these expenses, fast cash loans Australia could be what you’re looking for.

These are just a couple of the scenarios in which fast cash loans Australia could help. If you need a cash injection on short notice, apply with Nifty and we’ll see what we can do for you!

How can I get fast cash loans Australia wide?

What makes fast cash loans Australia so convenient is that they are available online! Gone are the days of only being able to apply with traditional lenders when you need extra funds. Alternative lenders (like your friends here at Nifty) can provide fast cash loans online Australia wide!

A huge benefit to applying for fast easy cash loans with Nifty is that the application process is 100% online. This allows you to skip some of the worst aspects that used to be necessary when applying for loans. With Nifty, there is no need to make an appointment, wait in lines, fill out paperwork, or any of the usual tedious tasks that you dread when you walk into a bank. You can apply for online loans Australia wide from us in just a few minutes!

Save Time with Nifty!

Not only can our application process save you time, it’s also far more convenient for your busy lifestyle. You can access our website at any time of day, so you can apply at a time that suits you. Only have time at night? No worries! On the go a lot and would love to be able to apply from your phone? You can do that too! Just keep in mind that if you apply outside of our business hours, you’ll have to wait until the next business day for us to get to your application.

Whilst we’ve done our best to make our application process as straightforward as possible, we understand that you might still have some questions. If you get a bit lost and need to talk to someone about your application, you can call our friendly customer service team during our business hours on 1300 471 328. You can also send an email to info@niftypersonalloans.com.au.

So, if you’re after fast cash loans Australia wide, Nifty is the way to go!

What fast cash loans Australia does Nifty offer?

The fast loans Australia that we offer are split up into three categories based on the loan amount.

Small Unsecured Loans:
Repayment period of 3 – 6 months
Do not require security

Medium Secured Loans:
Repayment period of 13 – 24 months
Requires security

Large Secured Loans
Repayment period of 13 – 24 months
Requires security

To get an idea of the costs involved for these loans, you can see these at the bottom of the page or on our costs page.

Depending on the type of loan you apply for, there may be other associated fees and charges. In the case of all these loan types, you may be charged additional fees if you miss a repayment. All of these payable fees and charges will be clearly outlined in your loan contract.

Does one of those take your fancy? Well, then why not apply with Nifty?

How do I apply with Nifty?

Applying with Nifty takes just a few simple steps. We’ve got a name to live up to, after all.

1. Qualify

There are a few boxes you’ll need to tick before you can apply. You must:

  • Be 18 years of age or over;
  • Be an Australian citizen or permanent resident;
  • Have been receiving a consistent income into a personal bank account for at least the past 90 days;
  • Have a mobile phone  number and email address.

2. Apply

If you qualify, it’s time to get your application underway. You can find the Apply button at the top of our website, and it’s ready whenever you are. Before you do so, you might want to make use of our loan calculator. Adjust the slider to specify your desired amount and repayment period, then select the repayment frequency from the drop-down menu. These figures should give you an idea of what your loan might look like.

Now for the application itself, which should take just a few minutes. We’ll ask for some basic personal information, including identification, and the reason for your loan. In order for us to take a look at your financial situation, we’ll also request your internet banking credentials, employment information and/or MyGov account details if you’re receiving Centrelink payments. Click submit, kick back, and we’ll handle the rest.

3. Outcome

For applications submitted during our business hours, we aim to deliver outcomes within 60 minutes. Once an application is approved, we will send you a contract to electronically sign. After this is signed, we can can transfer the cash to your bank account. Transfer times will vary with inter-bank transfers , however the latest the cash will be available in your account will be overnight (as long you sign your contract during normal business hours).

Three steps, minimal hassle. Why apply for fast cash loans Australia wide any other way?

Does Nifty offer fast cash loans no credit check Australia?

In short, no. At Nifty, we conduct credit checks on all applications, so we can’t offer fast cash loans no credit check Australia. However, what we can provide are fast cash loans bad credit Australia wide!

We conduct credit checks as part of responsible lending practices. However, unlike some of the traditional lenders that you might be used to, we don’t make decisions purely based on your credit score. While conducting assessments, we also look at your current situation in order to get a better idea of your ability to afford a loan. Even if you have bad credit, we might still be able to help you out. We offer fast cash loans bad credit Australia because we understand that your credit score isn’t the be all and end all.

It’s possible that some people have bad credit and simply don’t know it. This could result in a nasty surprise if they apply for a loan with a traditional lender, only to fall at the first hurdle. One of the most common causes of bad credit is a credit default. If you fail to make certain payments to a loan or service provider, they could list a credit default on your credit file.

Some types of negative credit information can remain on your credit report, bringing your score down, for up to seven years.

At Nifty, we believe that your credit score shouldn’t, and doesn’t, define you. Your financial situation now could be very different to what it was a few years ago. If you’re interested in fast cash loans bad credit Australia, apply with us today!

Can I apply if I’m receiving Centrelink payments?

Yes, those receiving Centrelink payments can apply for fast easy cash loans with Nifty.

Whether you’re receiving Centrelink payments as all or part of your income, a hefty unexpected expense could cause your budget to take a bit of a knock. It’s possible to get a Centrelink cash advance, or you can apply for fast cash loans Australia with Nifty! What allows us to consider applications from Centrelink recipients is that we view welfare payments as income.

So, as long as you meet all of the eligibility requirements, you can get started on your application! We’ll do our best to help you out.

How do I repay fast cash loans Australia with Nifty?

The niftiness of our loans extends to our repayment system. Before you sign your loan contract, we’ll set up a repayment day on a weekly, fortnightly or monthly basis for a direct debit system. When this day rolls around, the repayment for that period will automatically leave your account. You don’t even have to think about it, let alone lift a finger to make it happen. Your sole responsibility as a borrower is to ensure that you have enough money in your account to make your repayments.

If the prospect of money coming out of your account automatically makes you a bit uneasy, let us reassure you. As soon as your loan is fully repaid, the direct debit will immediately stop. If you’re really on top of things and want to pay out your loan early, that’s great! Unlike some lenders, we won’t charge you at all for doing so. In fact, you’ll actually be saving on interest!

On the opposite end of things, we understand that sudden changes to your finances can happen. If something happens that means you won’t be able to make a repayment, it’s important that you let us know as soon as possible. If we have enough notice, we might be able to sort out an alternate payment that suits everyone involved. Without notice, the payment will fail if there is not enough money in your account and you may be charged additional fees. Communication is key!

Ready to get Nifty?

Fast cash loans Australia wide don’t have to be a pipe dream. With Nifty Loans, you can get fast cash loans Australia online and with minimal hassle. If you qualify, then the only thing standing between you and the funds you need could be a quick application form. There’s only one way to find out – apply with Nifty today!

Want to know more? You could apply for a quick loan approval online!

In need of some last minute cash? Apply for one of Nifty’s loans that are nearly instant!

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


"I read everything & it was very helpful to those people in need, Even people on benefits have an opportunity to get a loan,Bad Credit people have a chance to back in life...More power to all of You..."

- Gleceria Salutillo


Types of loans