Have you ever found yourself in need of a fast cash loan? Has one of life’s little expenses crept up on you? We all know how that pesky car rego or insurance can pop up when you least expect it. Or the need for a fast cash loan to help you take that last minute, much needed holiday. Well, good news! Nifty Loans specialises in quick, painless online fast cash loans!
What are fast cash loans?
Are you in need of some extra cash to finally do those home repairs that you’ve been promising the spouse you’d do for last 3 years? Or maybe decided you want give your kitchen living room a spruce up with coat paint and new furniture? Has the fridge washing machine finally let go? You’re not alone. Thousands of Australians find themselves in the same situation as you do, that’s why we offer fast loans. Fast loans are designed when unexpected expenses seem to pop up when you least expect it.
Who can apply for Nifty Loans?
Our eligibility criteria are fairly simple.
- At least 18 years of age?
- Receiving a regular income (we accept both wages and Centrelink income!) into a personal bank account?
- An Australian citizen or permanent resident?
- Able to access an active mobile number and email address?
Then yes, you are eligible!
So, if you’re interested, please hit the Apply Now button at the top of the page and shoot through an application so we can see if we can help you out today.
How do I apply?
Making an application is super easy. Simply scroll to the top of this page and click on the Apply button to get the ball rolling. Our quick application is stress-free and painless. We’ll grab some personal details from you, get you to submit your bank statements in support of your application and then it’ll automatically come through to our assessment team. From there, we aim to have your application assessed within 60 minutes (if received within business hours), however sometimes it may take a bit longer. Don’t panic if it takes longer, we may just need additional supporting information and we’ll be in touch with you. If we receive your application outside of business hours, then we’ll assess it first thing the next business morning.
When will I receive my funds?
Once you have been approved and your contract has been signed and returned to us, we’ll release your funds shortly afterwards. If your contract is signed outside of our business hours we’ll release your funds with the first round of banking on the next business day. Once your funds have left our hands it’s then up to your bank to process them into your account. Funds processing times are subject to normal interbank transfer times, but the latest you should receive your funds is overnight.
Can I get a quick personal loan if I receive Centrelink?
Yes, you certainly can! If you’re receiving a regular income into a personal bank account then you are eligible to apply. If you’re looking for fast cash loans for people on Centrelink, then we may be able to help. So, Centrelinkers rejoice! Nifty Loans is happy to give you a fair go.
How do my repayments work if I am approved?
We will line your repayments up with your income. We set your repayments up as direct debits so that they will automatically be debited from your account in line with your pay. You don’t have to worry about remembering to make these repayments as they’re all sorted for you! Once your loan has been successfully paid in full, your repayments will automatically stop. How easy is that!?
Here at Nifty Loans, we pride ourselves on the fact that our loan products are not only super affordable but that we don’t have any hidden fees or costs. We believe in being 100% transparent when it comes to our fees. Put simply, what you see is what you get. So what are the fees involved I hear you ask?
We have 3 different loan types.
Small amount unsecured loans, $300 – $2,000
For our small amount unsecured loans of $300 – $2000 we charge:
- A 20% establishment fee;
- A 4% monthly fee that will be applied on the anniversary date of your loan every month;
- A dishonour fee IF you miss a payment.
That’s it! We don’t charge any other fees like some other lenders do.
Medium amount secured loans, $2100 – $4600
Our medium amount secured loans are charged a little differently. You can expect:
- An establishment fee of $400;
- An interest rate of 48% per annum. Keep in mind that the more you pay off of your loan, the less interest you will be charged.
- A dishonour fee IF you miss a payment.
For large personal loans: secured loans for $5,000
- Ongoing fee: An annual percentage rate of 48% of the principal
- A dishonour fee IF you miss a payment
Just remember, that if you’re interested in applying either a medium or large fast cash loan of $2100 – $5,000, you will need to provide a vehicle that you own that we can use as security as they are secured loans.
What happens if I can’t make repayments?
Here at Nifty Loans, we understand that sometimes life has a bad habit of throwing lemons at you. Sometimes these lemons have a tendency of disrupting our lives in ways we didn’t expect. If this happens, let us know. We’re here to help you out from the very beginning of your loan journey, all the way to the end. So if something happens that affects your ability to successfully make your loan repayments give us a call.
We’re human too, and we understand that sometimes, these things do happen. The best thing to do is get in touch with us as soon as you are able to, as the more warning that we have that you need to amend your repayments, the more we can do to help you out. We require at least 1-2 business days notice to amend your upcoming repayments. So, whether you’ve lost your job, you’ve had your hours cut or had an unexpected expense pop up that will affect your ability to successfully make your repayments, give us a call. We’ll help out any way that we can. Our goal is to help you out by providing you with a loan, not put you into financial distress due to no fault of your own!
So, if you do find that you’re struggling to make your repayments for any reason at all, give us a call. We’re not scary machines who are going to tell you to toughen up and demand that your repayments continue as per normal. We’re humans who understand that sometimes you need a bit of a helping hand to turn those lemons into lemonade.
Do we conduct credit checks?
Yes, as responsible lenders we conduct credit checks on all of our loans. Don’t let this stop you applying though, as credit checks are not the only criteria that we look at. Here at Nifty Loans, we don’t believe that credit checks are the be all and end all of loan outcomes. We understand that sometimes things happen that can affect your credit history, but we also believe that credit history is just that. History! We are firm believers that everyone deserves a fair go, despite any road bumps they may have had in their credit history. Are you interested in fast cash loans no credit check? Great! Read on to see how we assess our applications, even if you have bad credit history.
We always conduct a more thorough analysis of your financial situation by looking at your current relationship with money. How do we do this we hear you ask? By looking at the 90 days of bank statements that you submit in your application. If we can see that you are making your repayments successfully and are now handling your finances well, we may be able to help you out, despite your previous bad credit history.
So if you’re looking for fast cash loans bad credit, you’ve come to the right place.
You can trust Nifty Loans to do the best thing for you
Responsible lending is incredibly important to us. Nifty Loans is, and always will be, 100% compliant with all relevant legislation. We have our own set of lending criteria that we follow to ensure that any loan product we may offer you is right for you. If we don’t believe that one of our loans is right for you or your financial situation, we won’t approve you. It’s as simple as that. Nifty Loans is here to give you a hand up when you need it, not put you in financial difficulties. And if we are able to approve you for a loan, we won’t lend you more money than you can afford to repay. We always make sure that your repayments are realistic and affordable to your budget. You can be confident that we have your best interests at heart.
But don’t take a decline now to heart too much. We’re not saying no forever, we’re just saying that currently, we don’t believe offering you a loan will be the best thing for you. We want to make sure that you can comfortably afford to repay any loan we may offer you, not put you in financial distress. You’re more than welcome to reapply at a later date and we will be happy to reassess your financial circumstances.
How do I know if this is the right product for me?
|Who is this product for?||Those who are looking for a fast processing short term loan for fast cash loans|
|To be eligible to apply for a best quick money loan you must be?||A citizen or permanent Australian resident. Have a regular source of income. Over 18 Years of age. Have access to an active mobile phone and email address.|
|What repayment terms do you offer?||Up to 24 months. Repayment terms will vary depending on each applicant’s financial situation.|
|Loan types available||Fixed Personal Loans|
|Lender||Nifty Personal Loans|
So, if a fast cash loans sounds like something you are interested in applying for, don’t wait! Simple hit the Apply button at the top of this page and jump aboard the Nifty Loans train. So, scroll up and Apply now!