Emergency Loans? Have you found yourself in an emergency situation?

How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

What is an emergency cash loan?

Emergency cash loans are small, fast, 100% online stress free cash loans.

All you need to do is fill out our 4 minute application form online by pressing the Apply Now button and you will have a yes or no answer within 60 minutes!

Now that’s a Nifty loan!

Emergency cash loans no credit check as a basis for approval?


Here at Nifty we don’t believe that your past should dictate your future. We are serious about our commitment to our customers and we’re here to help.

Emergency cash loans unemployed no more hassle!

Having trouble finding a job but still need to pay those bills?

No problem!

As long as you have regular income, (which includes a centrelink payment) of $400 a week or $800 a fortnight then you can be considered for an emergency loan with Nifty personal loans.

Emergency cash loans 24/7!

Want to apply for an emergency cash loans after hours or after you finish that night shift?

No problem!

Unlike traditional lenders you can apply for an emergency cash loan with Nifty whenever it suits you!

Because we are 100% online all you need to do is hit the APPLY NOW button and fill out the 4 minute application and you are on the way to solving your money woes.

Do you offer emergency loans bad credit?

Here at Nifty we believe that your credit history should stay in the past.

We understand that from time to time regular Australians may fall on hard times or have unfortunate circumstances and we don’t think you should be punished for this!

So don’t be worried about your bad credit rating because we’re not!

Do you offer emergency loans for single moms?


As long as your have a regular income then you are eligible for one of our emergency loans.

All you need to do is it the APPLY NOW button and fill out our online form, if you have any queries feel free to call our helpful customer service team!

Why Choose Nifty for your cash loans?

No face to face meetings – there is no need for you to leave your home or office to apply for a Nifty cash loan it is all 100% online!

All you need is a regular source of income and you can apply!

How do I repay my emergency loans?

Repaying your emergency loan couldn’t be easier!

We will set you up with a direct debit, which will come out of your account automatically no need to remember those repayments!

Once your loan has been repaid in full the direct debits will stop automatically.

No fuss repayments what more could you ask for!

What should I consider when thinking about considering an emergency cash loans?

Who is this product for? Customers looking for an emergency cash loan
To be eligible for an emergency cash loan you must be: Be 18yrs of age. Have a regular source of income. Be a permanent Australian resident.
What are the repayment terms? Repayment terms will vary depending on each applicant’s agreement but will generally range from 3-24 months.
Available Loan types Fixed
Lender Nifty Personal Loans

We’re 100% online, 60 minute approval and we’re here for you when you need us to help you get back your financial stability and success!

Start your partnership with Nifty NOW!

How to qualify for a nifty personal loan

You are at least 18 years of age.

You are an Australian Citizen or Permanent Resident.

Receive a regular income into a personal bank account for at least 3 months.

Able to give us an active mobile number or email address.


Not be in financial hardship or be considering entering any form of bankruptcy.

You must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).


You must not have received a Centrelink Emergency payment within the last 3 months.


If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27
How customers rate Nifty’s Emergency Loans?

emergenloans Overall rating: 4.6 out of 5 based on 3 reviews.

Handy and responsive loan company

5 5 1
Excellent loan company, only neutral point is only allowed one loan at a time and not allowed to top up loan balance but other than that very happy with the company and service

It was great quick fast service

4 5 1
I had at a very tough stage with both my car registrations coming as well as a few other bills were all piling up. So I needed a quick fix.

talk about nifty

5 5 1
Its not called nifty for no reason. Every experiance ive had with nifty theyve always been there to help ☺☺ 10/10 always answer the phone and the customer service is great never a dull moment with nifty finance love love love love love them

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