Online cash loans from $300 to $5,000. Apply now!

online cash loans

From time to time, many Australians get caught short of cash. It’s nothing to be ashamed of. In times of need, what you want more than anything is a helping hand. Well, guess what? Nifty Loans offers just that! Our online cash loans can help you out of a tight spot and get you back on your feet in no time!

Online cash loans are personal loans usually between $300 – $5,000. These are perfect for anyone who finds themselves in need of a bit of quick cash to help them through a tough time. Here at Nifty Loans, we offer very competitive online cash loans that are 100% online, no fuss and no smoke and mirrors. We don’t need tricks because our loans are the best around!

All you need to do is to hit the APPLY button above and fill out a quick and easy online application form.

Apply during our business hours and our loan specialists will aim to have an answer within 60 minutes. Depending on your bank, we’ll have the money to you lightning fast!

Now that’s a Nifty online cash loan!

How to apply for instant cash loans online?

Applying for loans used to be a hassle. So, as we’re committed to giving our clients the best possible experience, we decided to put an end to that. Applying for Nifty online cash loans is so quick and easy, you won’t believe it!

For starters, our application process is 100% online. That means that you can apply for an online cash loan whenever it suits you. No need to make an appointment or take time out of your day to come see us – if you’ve got a few minutes free, you can apply for a Nifty online cash loan.

To be eligible for online cash loans, you just have to fulfil three criteria. You need to be 18 years of age, an Australian citizen or permanent resident and have a regular source of income, from employment or Centrelink. If you tick all those boxes then send in an application and we’ll see if we can help you out with online cash loans!

Sound good? Have a look at our slider at the top of the page to see if online cash loans are what you’re after!

Does Nifty Loans offer online cash loans instant approval?

If you’re in a tight spot, you want your cash loans online approved ASAP! Lucky for you, we offer very competitive processing times. We can generally assess your loan application within 60 minutes (during business hours). We think that’s pretty Nifty!

Once we approve your application for online cash loans, we’ll transfer the money on the same day. Most applicants receive their funds later in the afternoon, however, these will be deposited overnight at the latest!

How does Nifty Loans process online cash loans applications?

Like the name suggests, our online cash loans are 100% online!

All you need to do is jump onto our website and hit the APPLY button. That’s right, no need for boring bank meetings or long queues. Our application process is designed to make getting cash loans online as quick and easy as possible. After all, one of the reasons you take out fast cash loans online is to help ease some stress; the last thing you want is to be faced with more hassle!

As our application process is online, it’s also super versatile. You can apply from the comfort of your living room or office, while you’re out for a walk or why not while you’re grabbing a bite to eat? As long as you’ve got a device that’s connected to the internet, you can apply for one of our online cash loans. Not only that, but you can complete and submit your online cash loans application form in minutes!

Submit your application during business hours and we’ll aim to have an answer for you within 60 minutes. Now that’s some Nifty customer service!

Do you offer no credit check online cash loans?

We understand – when you’re in need of some quick cash, you want it QUICK. Therefore, if you have bad credit you might be worried that your online cash loans won’t be approved.

At Nifty Loans we pride ourselves on being responsible and honest with our clients. We do conduct credit checks on all our cash loans online, but we look at more than just your credit score. So, even if you have bad credit, you can still be eligible to get one of Nifty’s online cash loans.

So, I could still apply for Nifty’s online cash loans even if I have bad credit?

At Nifty Loans we understand that sometimes life is unpredictable and unplanned things can happen. People make mistakes all the time – should you still be punished just because you made some mistakes with money? Of course not!

If you’ve got bad credit then no worries! Having bad credit doesn’t disqualify you from applying for one of our quick cash loans online. We’re responsible as well as helpful, so we’ll make sure that we only lend to customers when we know that they can afford one of our short term loans. You don’t have to worry about being taken advantage of when you’re with Nifty Loans.

When you apply for a loan with a bank, they’ll often reject you based just on your credit rating. If it’s too low they won’t even take a second look at your application.

Nifty is different. We believe that your credit history is just that: history.

Here at Nifty Loans, we will take into consideration your current financial situation and relationship with money, in addition to your credit rating. From there, we decide on a case by case basis if you are eligible for one of our online cash loans; that’s right, even if you have bad credit.

Can I get online cash loans if I am receiving Centrelink payments?

You sure can! We accept Centrelink as a form of income for our fast cash loans online.

We consider all of our applications on a case by case basis, so we won’t reject your application for cash loans online just because you’re receiving Centrelink payments.

All we require for you to be eligible for an application is to have a personal bank account receiving a regular source of income (Centrelink included).  As long as you meet this, you are welcome to apply for online cash loans with Nifty!

It’s that easy!

How do I repay my online cash loans?

Good news: repaying your Nifty online cash loan is just as easy as applying for one! We’ve made it super simple so you don’t have to stress about the payments.

We will assess your situation and ensure that your repayments are affordable for your individual situation. Once we lock in the amount, we’ll align the payments with your payday, so you’ll never be caught having to make a payment without enough money in your bank account.

Not only that, but the repayments are taken via direct debit – you won’t even have to do anything! Just watch as the amount you have left to pay on your loan go down after each repayment!

Once your loan is repaid in full then the direct debits will stop automatically! Nifty, huh?

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

Other lenders offering cash loans online may hide fees in the fine print of their contracts and spring them on you when you least expect it. We know our loans are great, so we don’t need to be dishonest.

Here at Nifty Loans, we pride ourselves on being excellent at everything we do – especially when it comes to customer service. We want you to be completely comfortable and happy that you have the whole story when it comes to your online cash loans. Here’s a quick rundown of our products:

Small amount unsecured loans

For our small amount unsecured loans of $300-2000 we charge:

  • A 20% establishment fee
  • A 4% monthly fee that will be applied on the anniversary date of your loan every month
  • A $27.50 dishonour fee if a payment is missed, this is added onto the loan balance

That’s it! We don’t charge any other fees like some other lenders do.

Medium amount secured loans, $2100 – $4600

Our medium amount secured loans are charged a little differently. You can expect:

  • An establishment fee of $400
  • An interest rate of 48% per annum. Keep in mind that the more you pay off of your loan, the less interest you will be charged.
  • $27.50 dishonour fee if a payment is missed, this is added onto the loan balance

Just remember, that if you’re interested in applying for one of our larger short term loans no paperwork loans of $2100 – $4600, you will need to provide a vehicle that we can use as security as they are secured loans.

Should you have any more questions about how loans in Australia function you might find your answer at the Australian Government website – Moneysmart

how do i know if this is the right product for me?

Who is this product for? Those who are looking for online cash loans
What do I need to be eligible to apply for an online cash loan? You must be: a permanent Australian resident or citizen; 18 years of age or above; have a regular source of income from employment or Centrelink.
What repayment terms do you offer? From 3 – 24 months. Repayment terms will vary depending on each applicant’s financial situation.
Loan types available Fixed Personal Loans
Lender Nifty personal loans

Any questions?

If you have any trouble at all during your loan period, or just want to know more, then we’d be more than happy to help! Call during our business hours and our friendly customer service representatives will be standing by to answer all of your questions and/or concerns.

If you’ve got a query outside of our business hours, we’ve got you covered! Send us an email and we’ll get back to you on the next business day.

Got any feedback for us? We’re always looking to provide the best possible service for our clients, so if you’ve got some tips for how we can improve then don’t hesitate to get in touch.

So, why not choose Nifty Loans?

We’re fast, we’re fair and we want to help you find your way to financial stability and success! Our cash loans online are perfect for that!

The only thing standing between you and an online cash loan is a few clicks of your mouse and a quick, easy application. What are you waiting for?

Who can apply?

18+

You're at least 18 years old

kangaroo

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%
VIEW EXAMPLE

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
VIEW LOAN DETAILS

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts: $2,001 - $4,600
Terms: 13 - 24 months
Establishment fee: $400
APR: 48%
Max Comparison Rate: 67.41%
VIEW EXAMPLE

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
VIEW LOAN DETAILS

Large Loans

$5000

large potplant
Loan amount: $5,000
Terms: 13 - 24 months
Establishment fee: $400
APR: 21.24%
Max Comparison Rate: 48%
VIEW EXAMPLE

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
VIEW LOAN DETAILS

Who we've helped

Online cash loans from $300 to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 20 reviews.

Who we've helped

Online cash loans from $300 to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 20 reviews.
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How customers rate Nifty's Personal Loans

Online cash loans from $300 to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 20 reviews.

Types of loans