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?

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 – $4,600. 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 NOW button above and fill out a quick and easy online application form. It takes just four minutes to complete, so you can fill it out while you’re having a cup of coffee!

Apply during our business hours and we’ll assess your online cash loan application 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. We think that’s pretty Nifty!

Once we approve your application for online cash loans, we’ll deposit the money into your account instantly. If you experience any delays, this may be due to your bank account provider.

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 NOW 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 just 4 minutes!

Submit your application form and we’ll review it 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. You’ll find a few online lenders promising no credit check loans, but you’ll also notice that these lenders seem more than a bit suspicious.

Lenders that promise no credit check loans will often tack on unfair hidden costs and fees that will leave you with a mountain of bills to pay off. That no credit check loan may seem enticing now but it could turn out to be a huge regret that’ll leave you in a worse off than when you started!

That’s why it’s better to go with a lender that you can trust. 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 that’s not all we look at. 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 is have a personal bank account receiving regular payments – centrelink included. if fulfil that then are one of our online cash loans.

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 organise a day with you when the payment can be made. This means you can line it up 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 direct debits – 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 online cash loans:

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 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

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 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!

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