Emergency Loans From $300 To $5,000. Apply Now With Nifty Loans!

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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.

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Emergency loans from $300 to $5,000. Apply Now!

For when the unexpected happens…

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!

emergency loan

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 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!

  • 100% Online ✔
  • Fast Application ✔
  • Quick Outcome ✔

Like what you see? Don’t wait, apply now!

What happens if I apply for my fast 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?

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.

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Here's a Nifty question!

Looking for ways to help protect yourself from emergencies? Keep reading till the end of the page!

Instant banking – what can it do for you? 

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.

Do all bank accounts support instant transfers?

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.

Am I eligible to apply to emergency loans?

Being eligible hasn’t been any more simple than this! To meet our requirements you need to:

  • be 18 or older,
  • be an Australian citizen or permanent resident,
  • have a regular income being deposited into a personal bank account
  • have an active mobile number and email.

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

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

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.

Do you offer quick cash 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 to apply?

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!

Do you offer emergency loans for single mums?

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.

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 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!

How do I repay my emergency loans?

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?

4 common financial emergencies and how to protect yourself

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.

Loss of employment:

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:

  • Income Insurance – Before you are ever in such a position, it may be worth looking into income insurance if you work in a high-risk environment or have a family who relies entirely on your income.
  • Superannuation payout – If you are in a position of severe financial hardship, you could enquire whether you are eligible for a lump sum payout from your super to cover your expenses between employment. 
  • Apply for Centrelink – Centrelink is a safety net designed to help Australian residents. Don’t feel embarrassed for claiming Centrelink, it’s your right. Why not take advantage of it if you need genuine help?

Medical Expenses:

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.

  • Private health insurance – This one is a real no-brainer. If you are at all concerned with your or a family member’s future health, private health insurance could be the way to go
  • Borrowing – If you are in the position to comfortably refinance your home or apply for a personal loan, this could be a way to help fund future medical expenses.

Car Expenses:

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.

  • Car insurance – Insurance is one of the best ways to protect yourself from incurring heavy costs. Though most policies will not cover maintenance costs, you could save thousands in the event of an accident, whether you or someone else is the cause. 
  • NILS or StepUp Loans – If you’re in need of finance but have found most options to be unaffordable, you could look at applying for a NILS or StepUp loan. These are affordable finance options for those struggling to receive finance through a bank or other institution. As they charge no or very low interest (depending on the loan type), they could be a great option to help you pay for unexpected car repairs.

Scam & Fraud:

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:

  • Secure your mailbox – Most people wouldn’t put a second thought into how (or if) their mailbox is secured. If you are receiving letters with sensitive information, such as bills and bank statements, It is important that you secure your mailbox. Better yet, you could arrange for your mail to be sent to a personal P.O. box. This way, your letters (containing you personal information) cannot be stolen and used maliciously.
  • Update your passwords – If you regularly access sensitive information through the internet, such as internet banking or utility accounts, it is important that you have different login credentials for each site. This is so that if one is compromised, the attacker will not be able to access your other accounts. For especially important accounts, we would also recommend changing your password every 3  – 6 months. 
  • Be sceptical of unknown numbers – When answering a call from an unknown number, It is important that you do not disclose any personal information until you know where they are calling from. The most common phone scams are set up so that they can record your voice, if you answer ‘yes’ to a question, you could be stung. Before answering any questions, ask why they are calling and who they represent. If you are ever suspicious, hang up immediately.
  • Be wary of phishing emails – The most common way for you to have your personal information stolen is through an email phishing scam. Often, the scammer will send their victims an email disguised as a genuine email from a large company. It will often ask you to change your password or update some account information with that company. They can be very convincing, though, there are a few ways you can detect this type of scam. If the email asks for you to click a link, compare the address of the link with the website of the company they claim to be from. If they do not match, do not click the link. Sometimes they may take steps to disguise the link so it does look genuine. You can always check the real link by right-clicking the link and selecting ‘copy link’. Once you paste the link as text, you can then compare it with the website of the company. 
  • If it’s too good to be true, it probably is – This really self-explanatory. If you receive a message advising that you have won a large sum of money, this is a scam. If you receive a letter from a long lost cousin who needs help with withheld funds, this is a scam.

Here's a Nifty fact!

Australians lost almost half a billion dollars to scammers in 2018

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 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 typesFixed.
LenderNifty 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!

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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 Loans

Large Loan Example


Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
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Loan amounts:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
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Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
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Loan amounts:
24 Months, (104 weekly repayments)
EEstablishment fee:
Total other fees:
$1,609.44 (reducing interest)
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Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
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Loan amount:
6 Months, (24 weekly repayments
EEstablishment fee:
Total other fees:
Total payable:
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* 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.