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. Sometimes a cash loan today is just what you need in a time of crisis. 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! We could provide small loans fast!

Fast 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 loans that are 100% online, no fuss and no smoke and mirrors. We don’t need tricks because we think 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 could 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 you have to fulfil the following 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, being deposited into a personal bank account. If you tick all those boxes then send in an application and we’ll see if we can help you out with some extra cash.

Sound good? Have a look at our slider at the top of the page to start your application!

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!

If your application is approved and the contract is signed during business hours, we’ll transfer the money on the same day. We have found that most applicants receive their funds later in the afternoon, however, these can be deposited overnight at the latest!

How does Nifty Loans process applications?

Like the name suggests, our lending service is 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 quickly. Not only that, but you can complete and submit your 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 application 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.

So, I could still apply with Nifty 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 not being given a fair go when you’re with Nifty Loans.

When you apply for a loan with a bank, they can often reject an applicant based just on their credit rating. If it’s too low they may not take the time to look further.

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; that’s right, even if you have bad credit.

Can I apply if I am receiving Centrelink payments?

You sure can! We accept most Centrelink benefits 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 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, making it easy to keep on top of your repayments.

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?

Here at Nifty Loans, we pride ourselves on providing quality 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 list of the loans we offer:

  • small amount unsecured loans of $300-2000
  • medium amount secured loans of $2,100-4,600
  • large amount secured loans of $5,000

If you would like information about the fees and charges for these loans, you can find some examples at the bottom of the page below. Other fees and charges may be payable. Unfortunately, if you fail to make a repayment without notifying us of any changes to your situation, additional fees may be added to the balance of the loan.

Just remember, that if you’re interested in applying for one of our larger short term loans no paperwork loans of $2,100 – $5,000, 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 need some quick cash
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 availableFixed Personal Loans
LenderNifty 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 navigate any sticky situation that may arise! 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?

Want to know more? Find out how you could be eligible for a consolidation loan today!

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

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

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** 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. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

It was great quick fast service

"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."

- Kylie


Types of loans