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

emergency loan

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! Quick loans are small, fast, 100% online stress-free cash loans! 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 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!

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 loansOnce 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 60-90 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! Times may vary depending on the speed of your bank, but you’ll receive your funds overnight at the latest.

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.

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 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?


As long as you have a regular income then you are eligible 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.

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-years-old, an Australian citizen or permanent resident, have a regular income, and a mobile number and email.

Got any more 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 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 your direct debit alongside 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?

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 3-24 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!

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Emergency loans from $300 to $5,000. Apply Now! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Emergency loans from $300 to $5,000. Apply Now! Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
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- james


How customers rate Nifty's Personal Loans

Emergency loans from $300 to $5,000. Apply Now! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans