Are you looking for online cash loans up to $4,600? Are you sick of traditional lenders? Then look no further as Nifty has a solution for you!

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(%)

What are online cash loans?

Online cash loans are personal loans usually between $300 – $4,600, helping those Australians who from time to time get caught short of cash.

Nifty personal loans offer very competitive online cash loans, that are 100% online, no fuss and no smoke and mirrors.

All you need is to hit the APPLY NOW button above and follow the easy 4 minute online application form and once approved you will have the cash in your bank account within 60 minutes!

Now that’s a Nifty online cash loan!

How to apply for instant cash loans online?

Applying for an online cash loan is faster than a cup of coffee!

You need to be 18 years of age, an Australian resident and have a regular source of income – it’s that easy!

Have a look at our slider at the top of the page to ensure if your eligible for one of our online cash loans!

Do Nifty offer online cash loans instant approval?

We do offer very competitive approval times generally within 60 minutes which we think is pretty Nifty!

Once your loan is approved usually within 60 minutes, the money will be deposited into your account instantly!

How do Nifty process online cash loans applications?

Our online cash loans are 100% online!

All you need to do is jump online and hit APPLY NOW on our website.

This means there will be no bank meetings or queue’s.

You can apply from the comfort of your living room/office or any internet enabled device. You can even apply from the park if you want to!

Your online cash loan application can be completed and submitted online in just 4 minutes.

And most importantly you will receive a yes or no answer within 60 minutes!

Do you do credit checks on your online cash loans application?

No credit check – unfortunately not. But listen to this…

At Nifty we understand that sometimes life is unpredictable and unplanned things can happen.

We still meet all our checks with responsible lending and only lend to customers when we know that they can afford one of our short term loans.

However we believe that your credit history is just that, history.

Here at Nifty we will take into consideration your last 90 days of bank statements and decide on a case by case basis if you are eligible for one of our online cash loans even if you have bad credit.

Can I get an online cash loan if I am receiving Centrelink payments?


We do consider all of our applications on a case by case basis.

All we require for you to be eligible is to have a personal account receiving regular payments from an employer or Centrelink to be eligible for one of our online cash loans.

It’s that easy!

How do I repay my online cash loan?

No problem at all!

Repaying your online cash loans couldn’t be more simple!

We will assess your situation and ensure that your repayments are affordable for your individual situation and lock it in at an agreed upon direct debit amount.

Once your loan is repaid in full then the direct debits will stop automatically!

So what is the fine print with your online cash loans?

Here at Nifty we pride ourselves on customer service excellence so we want you to be completely comfortable and happy that you have the whole story when it comes to your online cash loans.

Who is this product for? Those who are looking for online cash loans
To be eligible to apply for an online cash loan? A permanent Australian resident. Must be over 18 Years of age. Have a regular source of income!
What repayment terms do you offer? From 9 weeks to maximum 24 weeks. Repayment terms will vary depending on each applicant’s financial situation.
Loan types available Fixed Personal Loans
Lender Nifty personal loans

If you have any trouble at all during your loan period (but we can’t see why you would) then our friendly customer service representatives are standing by to answer all of your questions or concerns.

Therefore why not choose Nifty!

We’re fast, we’re fair and we want to help you find your way to financial stability and success!

It only takes a few clicks of your mouse and a 4 minute application, what are you waiting for!

How to qualify for a nifty online cash 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.

Are able to give us an active mobile number and 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 Online Cash Loans?

onlinecashloans Overall rating: 4.5 out of 5 based on 4 reviews.

Best company, affordable loans

4 5 1
Nifty was a lifesaver for me. They gave me a chance when nobody else would. Applying is straight forward any easy, They make the repayments affordable, very friendly staff, great company to deal with. Overall very happy returning customer.

Excellent company and easy to deal with.

5 5 1
Great company to deal with. Easy to apply and great rates for those times when you get a little stuck. Quick approval and all around a great company. Highly recommend nifty and i will definitely be back in the future.

Pretty nifty 😉

5 5 1
Honestly the application was easy to fill out!!!! Sometimes you can wait a while for an email response when asking a question BUT you do always get a response and it's always polite and friendly!

Review Title
Review Content