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(%)

Emergency loans from $300 to $4,600. Apply now with Nifty Loans!

What are emergency loans?

We all go through times when the unexpected happens. For example, your fridge might give in, your dog could get sick, or you’ve spilled that cheeky glass of red all over your laptop. These are what we would definitely call emergencies and expensive emergencies at that!

If you can’t afford that repair, don’t stress! Emergency loans are small, fast, 100% online stress-free cash loans. Our loans are so quick, in fact, our application form only takes four minutes to fill out! Now let’s help with you cover those nasty, unexpected expenses!

Why choose Nifty Loans?

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 approvals.

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 only takes four minutes to fill out! Once you’ve sent us your application, all you need to do is grab a coffee and relax while we review it. During business hours we can give you a response within 60 minutes! 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!

What happens if I apply for my emergency loans after hours?

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.

How soon can I get my emergency loans?

If you applied during business hours, you can get an answer back from us within 60 minutes and have the cash in your account by the end of the day! Isn’t that Nifty? If you applied outside of business hours, you’ll hear back from us the next business day.

While there is no guarantee for getting approved for your loan, we’ll always give you a fair go. Our customer service team are always ready to help with your application.

Can I apply for an emergency cash loan if I’m unemployed?

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. Even if you are unemployed, you can still apply for emergency loans. As long as you have a regular income, which also includes Centrelink payments, then no worries! All you need to do is send in your application and we’ll take care of the rest.

Do you offer emergency loans even if I have bad credit?

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!

I’m on Centrelink, am I still eligible for emergency loans?

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 believe that if you’re on Centrelink, you are irresponsible with your money so, therefore, you are not worthy of a loan. 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 for emergency loans now and get a response in just 60 minutes!

Do you offer emergency loans for single mums?


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

If you need an emergency cash loan, then click on the Apply Now button and fill out our four-minute application! Our customer service team is always here to help if you have any questions.

Am I eligible for emergency loans?

Being eligible hasn’t been any more simple than this! To meet our requirements, you need to be 18-years-old, an Australian citizen or permanent resident, have a regular income, and a mobile number and email.

Got anymore questions about eligibility? Check out our FAQ’s page or ask us on our website!

Do you do credit checks?

Yes, we do.

As a responsible lender, we conduct credit checks on all loans. However, your credit score isn’t the basis of whether we approve you or not. 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 don’t 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!

How do I repay my emergency loans?

Repaying your emergency loan couldn’t be easier! We will set up your direct debit where you will nominate a day, either weekly, fortnightly or monthly, for the payments to come out 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 considering emergency 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 18 yrs 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

With our four minute application form and 60-minute approvals, 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!

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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