Try fast easy cash loans for things to just be, well, fast and easy

fast easy cash loans

Trying to apply for credit in Australia can sometimes feel like watching ice melt: slow, frustrating and somewhat pointless. Nevertheless, what type of a lender would we be if we couldn’t circumvent those feels with a convenient alternative? That’s why we’re bringing you fast easy cash loans to match your need for direct loans.

At Nifty Loans, we don’t see the point in spending hours filling out tedious loan applications. Then sitting for days, maybe even weeks, by the phone waiting for an outcome. That’s why we strive to offer one of the fastest and easiest loan services in the country.

You would think that applying for much-needed finance while troubling expenses are breathing down your neck would be no easy feat. Well, with Nifty Loans, the feat is nothing but easy! Don’t believe us? See for yourself…

What are fast easy cash loans?

Fast easy cash loans are a type of short-term personal loan that is processed quickly. With Nifty Loans, you can apply for fast cash loans from $300 up to $5,000 that can be repaid over 3 to 6 or 13 to 24 months, depending on the amount you apply for.

Now, we know how much Australians appreciate options. That’s why, when you come to Nifty, you can apply for 3 different types of loans.

These are:

  1. Small unsecured loans
    • Range from $300 to $2,000
    • Repaid over 3 to 6 months
    • Do not require equity
  2. Medium secured loans
    • Range from $2,001 to $4,600
    • Repaid over 13 to 24 months
    • Require equity
  3. A large secured personal loan
    • Loan amount of $5,000
    • Repaid over 13 to 24 months
    • Require equity

No matter which type of loan you decide is right for you, we can guarantee that the whole process will be fast and easy.

How fast are your fast easy cash loans?

Well, we say they’re pretty damn fast. If you’re looking for the best fast cash loans Australia has to offer, you’re definitely in the right place.

If you submit an application with us during business hours, you could receive an outcome in as little as 60 minutes. Yep, you read that right. Not 2 weeks, not 2 days, not even 2 hours: 60 short minutes. This is as long as you have applied within business hours and provided we don’t require any additional info. Basically, just sit tight and keep an eye on your phone and email as we will be getting in touch shortly with an outcome of your application.

If you are approved, you will barely even have time to do your celebratory wiggle before we send you your loan contract outlining all the terms of your loan. Now you just need to read over your contract and accept the terms. Once you have done this, we will transfer the cash to your bank account with our next round of banking. The amount of time it takes for that cash to be available in your account will depend on the transfer policies of your bank. You could be cashed up right quick, or within 24 business hours. Either way, it’s fast!

How easy are your fast easy cash loans?

Our fast easy cash loans are just as easy as they are fast. As we are 100% online, you just need to pay a visit to our website (step 1 complete, if you are reading this) and fill out our online application form. This can be done on your morning commute to work, from the comfort of your couch, or even over your morning eggs. There’s no need to face the trauma of bank lines or battle the anxiety of making a phone call. You can keyboard warrior your way through our fast and easy loan application from wherever you like at whatever time. Easy, right?

It could take you just minutes to complete our easy cash loans application form, especially if you have all the necessary info handy. Here’s what we’ll ask you for:

  • 100 points of identification
  • The reason for your loan
  • Your internet banking credentials (to verify your income)
  • Your myGov account details (if applicable)
  • Any relevant employment details

That’s pretty much it. You can also submit all this information consecutively, instead of sending through your ID and then waiting 7 days for it to be approved before moving onto the next step. You don’t need to waste your precious printer ink or submit anything manually. Simply fill out each section and we’ll do the hard work for you.

Do you offer fast easy same day cash loans?

At Nifty Loans, we can sometimes offer fast easy same day cash loans. Some of our clients will apply, get approved, sign their loan contract and receive their cash all in the one day. However, this does depend on a few things:

  • The time of day you apply
  • Whether we require additional information
  • The time you are approved/ accept your loan contract
  • The transfer policies of your bank

Therefore, if you are looking for same day cash loans, you may find them at Nifty Loans. However, while we cannot guarantee that you will get fast easy same day cash loans, we can guarantee that our whole process is much faster than that of more traditional lenders. In our opinion, we offer some of the best fast loans Australia has to offer – but don’t need just take our word for it. Apply now and see for yourself just how fast and easy our cash loans can be.

How do your fast easy cash loans work?

The reason we’re able to offer the fast and easy cash loans that we do is that we have access to cutting-edge technology that enables us to process loan applications quickly. We use a super smart and secure third-party system to obtain a read-only copy of your bank statements in just seconds. This is all done much much faster than if you were to submit your bank statements manually.

The way it works is that once you have provided your internet bank credentials, our system will grab a copy of your bank statements for us to assess. This also ensures that we are getting the most accurate representation of your current financial situation so we can give your loan application the fair assessment it deserves.

We look at your income, regular expenses, spending habits and overall relationship with money to determine your eligibility for our fast easy cash loans. Furthermore, if you receive Centrelink payments (yep, we accept those too), we’ll also take a look at your Centrelink Income Statement via your myGov account to ensure your loan repayments will fit comfortably into your budget.

How do I know if I am eligible for fast easy cash loans?

Although we believe in financial inclusion for all Australians, we do have some eligibility requirements in place to ensure your ability to repay your loan. Before you apply, make sure you are:

  • 18 years or older
  • An Australian citizen or permanent resident
  • Receiving a regular income 90 days prior to applying
  • Able to provide a valid mobile number and email address

If you’ve answered ‘yes’ to all four, go ahead and apply for fast easy cash loans with Nifty Loans!

Can I get fast easy cash loans if I have bad credit?

As if you haven’t had enough good news already, yes you may be able to get fast easy cash loans even if you have bad credit. That super smart and secure third-party system we just told you about? That is the reason we’re able to offer cash loans for bad credit. As our system obtains a read-only copy of your bank statements straight from your bank, we’re able to take a more extensive look at your most recent financial history rather than judge you solely on your past mishaps that lead to a not so flash credit score.

By looking at your overall relationship with money, we’re able to determine your ability to repay your loan with much more ease and confidence. We will never approve anyone for a loan that they cannot afford, this may not have anything to do with your credit score. So, don’t let your bad credit get in the way of you applying for easy loans anymore. Take what could be the first step toward a brighter financial future and submit an application with Nifty Loans.

How do I repay my fast easy cash loans?

Repaying your loan is – yep, you guessed it – easy. We’ll set a day in line with your pay cycle for your payments to be directly debited from your account for the life of your loan. You don’t need to set reminders or risk missing payments. They’ll just come out automatically on the day they are due until the loan is paid off.

The only thing you need to do is make sure there are enough dollars in your account to cover the loan amount. However, if you find that you are doing it tough one week, let us know as soon as possible. If we have at least 1 business days notice of any changes in your situation, we may be able to work with you to adjust your payment arrangements to suit. Otherwise, if a payment fails to come out of your account without any former warning, additional fees may be added to the balance of your loan.

For more information on the costs of our loans, check out our Costs page or use the loan calculator at the top of this page to get an idea of what your individual loan may cost.

Why choose Nifty Loans?

We know that when you search for ‘personal loans’ you’ll get pages and pages of names of different lenders who can, no doubt, meet some of your needs. However, when you’re searching for ‘fast easy cash loans’ Nifty Loans can go above and beyond to provide you with an excellent service. Here’s why…

We’re fast – we couldn’t offer fast cash loans without actually being fast. You’ll have an outcome on your application in no time at all and can be cashed up within 24 business hours of getting approved. If that’s not fast, we really don’t know what is!

We’re easy – now, we couldn’t offer easy cash loans without being easy, could we? As we’re 100% online, you can apply for fast easy cash loans wherever and whenever. You don’t even need to get out of bed to apply with Nifty Loans and our application form is one of the simplest you’ll come across!

We’re honest – when it comes to Nifty Loans, what you see is what you get. All payable charges and fees associated with your individual loan will be clearly outlined in your loan contract.

We’re all about you – we’re a lender that cares about the customer first and foremost. We’ve set up our processes to match the needs of our clients and every step is designed to offer maximum convenience. Plus, we’ll never approve you for a loan, knowing that it will stretch your budget far too thin. Even if you think getting a loan will offer you the most financial relief, sometimes it’s just not worth the long-term stress it can cause if you can’t afford the repayments.

Ready for things to finally be easy?

If you’ve heard enough and you’re now ready to see for yourself how fast and easy our cash loans can be, scroll up to the top of this page and get started with your application. If you still have a couple of unanswered questions, check out our FAQ pagewww or shoot us a message here.

Want to learn more about money management? Learn it from the experts at MoneySmart!

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

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

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
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 potplant
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


large potplant
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

man sitting with phone
quotation mark


"They are really great at dealing with you"

- Kim Davies


How customers rate Nifty's Personal Loans

Try fast easy cash loans for things to just be, well, fast and easy Overall rating: 4.6 out of 5 based on 232 reviews.

Types of loans