Fast Money Loans | Quick Cash Loans up to $10,000

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

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Fast Personal Loan

up to $5,000


Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Fast Money Loans

Nifty Loans offers fast money loans from $500 to $10,000 to eligible customers.

Fast money loans online can be used to cover a range of expenses. Nifty Loans specialises in fast loan outcomes, so you could have your money within 60-seconds**. 

Fast money loans: when you cash fast

Have you been searching for money loans fast? Nifty Loans offers fast money loans from $500 to $10,000 to cover an abundance of expenses. Whether you have an urgent dental procedure or car repairs that cannot be avoided, fast money loans may help ease the burden. Rather than paying thousands of dollars up-front, you can manage your repayments over a suitable period of time. 

Nifty Loans is a 100% online lender. We specialise in delivering fast loan outcomes to our customers. This is why we support instant transfers on approval and aim to deliver 60-minute loan outcomes*. When you need money fast now, Nifty Loans may be able to help.

What are fast money loans Australia?

Fast money loans are personal loans that are provided to applicants quickly. Nifty Loans is an online lender meaning that we specialise in simple, fast loans. We offer three types of personal loans: small loans, medium secured loans and large secured loans.

Loan typeSecurity optionsLoan amountRepayment terms
Small loansUnsecured$500 to $2,0006 to 9 months
Medium loansSecured$2,100 to $4,6009 to 24 months
Large loansSecured$5,000 to $10,0009 to 24 months

Our loan options above $2,000 are secured loans, meaning that an asset must be provided to use as security against the loan. This is because loans above $2,000 come with an increased risk to the lender. This asset could include a car, motorbike or caravan. Our secured loans allow us to continue to offer competitive rates at higher loan amounts. Refer to our costs page for a more detailed breakdown of our loan options.

What can I use my fast money Australia for?

You can use fast cash loans with Nifty for a variety of reasons. To give you an idea of what you may be able to use your fast money loan for, here are some of the most common reasons we receive loan applications:

  • Urgent medical expenses
  • Cosmetic surgery procedures
  • Dental costs
  • Renovation costs
  • Car registration 
  • Car insurance
  • Wedding costs

How to apply

Applying for a fast money loan with Nifty is quick and easy with our online application form. You can apply anywhere in Australia at any time; if you apply within our business hours, we will do our best to get back to you within 60-minutes* from submitting your application. We support instant transfers on approval so, if you apply within our business hours, you could have as close to an instant loan that you can find! Follow the following steps to apply within just a few minutes:

Step 1: Apply for your loan using our online loan application

Step 2: We assess your application

Step 3: If your loan is approved, review and sign your contract

Step 4: Receive your cash!

Eligibility criteria

To process your application, we must ensure that you meet our eligibility criteria. We cannot provide loans to applicants that do not meet the following eligibility requirements:

  • You are at least 18 years old
  • You are an Australian citizen or Australian permanent resident
  • You have had a consistent income into your bank account for the last 90 days
  • You have an active email address and mobile number

Supporting documents

If you wish to ensure that your application is processed as fast as possible, it may be helpful to have the following documents with you when you apply. This will also make your application time even faster!

  • 100 points of identification
  • Your basic personal information (full name, address, date of birth etc.)
  • The reason for your loan
  • Your myGov details (if you receive Centrelink benefits)
  • Your online banking details

Fast money loans bad credit

Nifty Loans is an online lender which means that, unlike traditional lenders, we can be more lenient in our credit requirements. We provide bad credit loans to eligible borrowers that can reasonably manage their loan repayments, even with bad credit. We analyse our applicants’ bank statements, including their income, expenses and spending habits, to ensure that they can afford to take out a loan with us. If after our assessment we determine that they can comfortably manage a loan, we may be able to provide them with a fast money loan.

All of our loans are subject to an individual assessment from our loan team. We must conduct credit checks on every applicant in line with responsible lending guidelines set by ASIC. However, a bad credit score will not be a determining factor in your application.


If you still have questions about our fast money loans, below are some of our most frequently asked questions answered.

How much can I borrow?

You can apply to borrow anywhere between $500 and $10,000. We will assess your affordability to ensure you can manage your loan at your requested amount. Your repayment terms will vary depending on how much you borrow.

Can I get a fast money loan while on Centrelink?

We consider most forms of Centrelink income as regular income. As long as you have been receiving your payments consistently for the last 90 days and meet the rest of our eligibility requirements, we may be able to provide you with a quick loan

What are the fees and charges?

The fees and charges on our loans are clearly outlined on our costs page and will vary depending on how much you borrow. This may include a monthly fee or interest fees. Your fees and charges may also vary depending on your financial situation, as if you have poor credit, you will likely be offered a higher interest rate.

Why do you need my bank details?

We use a bank statement service to access read-only copies of your bank statements. This is required for our financial assessment of your application, so that we can ensure a loan is manageable and affordable for you.

How can I get money fast?

If you are looking into your options for accessing a fast financial service, you may also wish to consider the following. 

Credit card

A credit card can be a good solution to a short-term cash fall. Credit cards allow you to spend up to a monthly limit for you to either repay the total balance or a minimum repayment. There are a variety of different credit cards that accompany a range of fees so it is important to do your research.

Line of credit

A line of credit functions similarly to a credit card, allowing you to spend up to a certain limit. This can be a more flexible option than a fixed-term loan as you can access the money whenever you want to. A line of credit will also accompany a range of fees, usually including an establishment fee and a monthly fee. 

No Interest Loan Scheme (NILS)

If you are in financial difficulty and are considered a low-income individual or family, you may be eligible for a NILS loan. These loans are offered up to $1,500 to be used for essential purchases without incurring interest. To find out whether you qualify and more information, visit the NILS website.

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Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
View Loan Details

* 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.