1300 471 328 Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

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



Need some fast finance? We're here to help.

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

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor 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.).

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!

Do you offer emergency cash loans no credit check?

Yes!

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.

This is why we do not do credit checks on our emergency loans.

We find that we can get all the information we need to approve your loan from 90 days worth of your bank statements.

This show’s us your savings habits, and whether you can afford one of our emergency loans or not.

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!

We don’t do credit checks as a routine part of our loan application.

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

Do you offer emergency loans for single moms?

Yes!

As long as your have a regular income into a personal account of at least $400 a week or $800 a fortnight 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!

No credit checks – at Nifty we understand that unfortunate incidents can happen to anyone at anytime, we will not perform a credit check or enquiry when you apply for a loan with us!

Nifty cash loans offer a 3% monthly fee and no interest ever! Saving you 25% of your monthly fees compared to many of our competitors, now that’s a Nifty loan!

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 3-6 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.

Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.

Q

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.).

Q

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

R

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

Here’s how our fast personal loans work

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Loan Amounts: Minimum $50 to Maximum $1,000.

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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 3%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

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Terms: Minimum 9 weeks to Maximum 24 weeks.

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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $45 (fees based on 3% per month over 10 weeks) = $645 total repayable in 10 weekly installments of $64.50.

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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