Fast Money Loans | Quick Cash Loans up to $10,000
Fast loans for when you need cash fast

Have you been searching for money loans fast? Nifty Loans offers fast money loans from $2,500 to $10,000 to cover an abundance of expenses. Whether you have an urgent dental procedure or car repairs that cannot be avoided, our loans might be able to help. 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 aim to deliver 60-minute loan outcomes* and support instant transfers on approval**. So, when you need money fast now, Nifty Loans may be able to help.

What are fast money loans?

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 two types of personal loans: medium loans and large loans.

Loan type Security options Loan amount Repayment terms
Medium loans Unsecured or Secured $2,500 to $4,600 9 to 24 months
Large loans Secured $5,000 to $10,000 9 to 24 months

Refer to our costs page for a more detailed breakdown of our loan options.

What can I use my fast money loan 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:

  • Urgent medical expenses
  • Dental costs
  • Renovation costs
  • Car registration
  • Travel expenses
  • Wedding costs
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 online banking and employment details

Fast money loans with 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 $2,500 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.

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.

Ready to Apply?