*During normal business hours.
*Only available for NPP enabled bank accounts
- It's possible with Nifty.
We all go through times when the unexpected happens. For example, your fridge might give in, your dog could get sick, or you’ve spilt that cheeky glass of red all over your laptop. These are what we would definitely call emergencies and where Nifty could help with emergency loans!
If you can’t afford that repair, don’t stress! Quick loans are small, fast, 100% online stress-free cash loans! Now let’s help you cover those nasty, unexpected expenses!
At Nifty Loans, we think we’re pretty good. Yes, we are a lender, but we are different from the others. We look past your financial hiccups, whether it’s your credit score or taking Centrelink payments. We don’t want to waste your time, that’s why everything is fast: from our applications to our outcomes.
We’ve always been seriously committed to our customers by offering them the best service. We are an Australian company, therefore, our customer service staff are all based in Australia! Whenever you have an inquiry, our staff are always here for you.
We’ve made getting a loan easy and our application can be completed within minutes! Once you’ve sent us your application, all you need to do is grab a coffee and relax while we review it! Best of all, you don’t need to leave your home because we are 100% online!
Like what you see? Don’t wait, apply now!
It’s not often you would wake up in the middle of the night thinking “wow, I definitely should get a loan!” However, should you find yourself needing a little extra cash, you can apply for a loan any time of the day (or night)!
There’s no need to panic about business hours because we are 100% online! No matter what time of the day or evening, you can apply right in the comfort of your home.
Once you submit an application it is sent through to our loan specialists for assessment, provided it meets our basic criteria. From there, you will usually receive an outcome within 60 minutes (during business hours). If approved, you will be sent an electronic loan contract. Simply review, sign and sit tight. The funds will be transferred on the next round of banking! Access to funds is subject to inter-bank transfer times.
While there is no guarantee for approval, we’ll always give you a fair go. Our customer service team are always ready to help with your application.
Looking for ways to help protect yourself from emergencies? Keep reading till the end of the page!
Nifty is now proud to be using instant banking technology. What’s instant banking? Basically, it means we are able to transfer funds into NPP enabled bank accounts in just 60 seconds. Pretty fast, hey! This new technology is making it easier for Aussies to get the fast cash their looking for without the hassle of a traditional lender. Instant banking is speedy, secure and safe as well as being very convenient. Gone are the days of waiting for hours and hours in line at the bank. Nifty is moving into the future and making it simpler than ever for Aussies to get cash in their account and ready to use in just 60 seconds*.
*NPP enabled bank accounts.
That’s a good question. The big four banks – NAB, CommBank, ANZ and Westpac – have all partnered with NPP and Osko to provide instant banking to Aussie customers. In total, 60 Australian banks have signed up to provide instant banking to their customers, however, some banks are yet to roll out the new technology. You can find out if your bank supports instant transfers here.
Being eligible hasn’t been any more simple than this! To meet our requirements you need to:
It’s hard when you are out of work and the bills still keep coming in. We understand people fall into difficult situations, so you shouldn’t be penalized for it. If you’re receiving Centrelink, you can still apply for speedy loans. We classify most Centrelink payments as regular income! All you need to do is send in your application and we’ll take care of the rest.
Yes! We offer emergency loans to those who have bad credit!
Here, at Nifty Loans, we believe that your credit history should stay in the past. We understand that from time to time people fall on hard times or have unfortunate circumstances and we don’t think you should be punished for this! Whether you’ve missed that utility bill because you had to take some time off work, or forgot about your internet bill, these are little hiccups which happen to a lot of us.
So, don’t be worried about your bad credit rating, because we’re not!
Yes! We consider Centrelink as a regular source of income.
At Nifty Loans, we believe you shouldn’t be penalized for being on Centrelink. Traditional lenders are known to knock back applicants based on whether they’re receiving Centrelink benefits. Can you believe that?
Just like anyone else who has fallen on hard times, we want to help you get back to financial health. You can apply now by using the Apply button at the top of the page!
Yes! As long as you have a regular income then you are welcome to apply with Nifty Loans.
If you need an emergency cash loan, then click on the Apply button and fill out our quick application! Our customer service team is always here to help if you have any questions.
Yes, we do. As a responsible lender, we conduct credit checks on all loans. However, your credit score isn’t the sole basis of for approval. We are more focused on your current relationship with your finances. This is why we ask for a copy of your most recent bank statements.
Here, at Nifty Loans, we believe that your past shouldn’t dictate your future. We look past those mistakes you might have made before and try to help you get back to financial health. We are serious about our commitment to our customers. We’re here to help!
Repaying your emergency loan couldn’t be easier! Our loan specialists will set up a direct debit in a nominated account, this will often align with your pay cycle. Need this changed? No worries, simply contact our service team to arrange an alternate schedule. Once you set it, forget it. The payments will be debited from your account automatically! As soon as your loan has been repaid in full, the direct debits will stop automatically.
No-fuss repayments, what more could you ask for?
For many, the future is a time that holds many uncertainties. Encountering a financial emergency can be counted as one of these uncertainties. As you can never fully negate the possibility of running into a financial emergency, it is important that you have a rough action plan for when such instances arise. To help with this, we have listed some of the most common emergencies and what you can do to avoid them or mitigate their impact.
Whether you’re being made redundant or need to resign due to other circumstances, sudden loss of employment can be financially devastating. If you don’t have a healthy annual leave or termination payment, you could very easily land in some hot water when it comes to your ongoing bills. With that being said, there are few precautions you can take so that you can land on your feet if you are ever put in this position:
Whether you or a loved one requires immediate or long-term medical attention, treatment expenses can be tough to handle. Although Medicare covers most healthcare costs, there are some treatments that are completely out of pocket. Examples of these can include; ongoing therapy (physio/speech/podiatry etc.), most dental treatments and home nursing or long-term hospice care. If you are ever in the position where you need to cover such expenses, the following options could come in handy.
Unexpected car expenses strike without warning and can be a big blow to your finances if you’re dependent on your vehicle. Cars are already a large drain on your pocket with their regular running costs, but throw engine failure into the mix and it could lead to a financial disaster. This is even worse if you are involved in an accident.
With the advancement of technology, global communication has never been easier. Though, this has also given scam artists and fraudsters a much greater pool of possible victims. Most people are aware of the basic tricks of telemarketers and phishing scams, though, there are some exceedingly sophisticated operations that could catch even the most diligent person off-guard.
Along with this, identity theft has never been easier. There have been a whopping 1,294 reported cases of identity theft in April 2020 alone, as reported by ScamWatch. This is frightening considering the amount of damage one such instance can have on our financial well-being. In order to protect yourself from falling victim to these scams, take a look at these tips:
Australians lost almost half a billion dollars to scammers in 2018
|Who is this product for?||Customers looking for an emergency cash loan.|
|To be eligible for an emergency cash loan you must be:||Be 18 years 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 6-24 months.|
|Available Loan types||Fixed.|
|Lender||Nifty Personal Loans.|
With our quick application form and fast outcomes, why would you pass this up? We’re here for you when you need us! Let’s help you get back your financial stability and success. Why wait? Start your financial journey with Nifty Loans now!Apply Now
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.Read More
$2,001 - $4,600
$300 - $2,000
* 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.