Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Apply now for Nifty Personal Loans’ Quick Cash Loans up to $4,600 – No credit checks – Fast Cash Loans – No paperwork – No Early payouts fees – 100% online

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.

Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • You must have an active mobile number and email address;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor 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.).

Introducing Nifty Personal Loans – the experts in easy, Online Quick Cash Loans.

Let’s face it, everyone these days is looking for a quick, easy, online option for their everyday tasks. From finding a home loan to ordering a pizza – people want to find the best now, so of course it’s no different for short term cash loans.

Fortunately, we’ve side stepped the hard work for you.

Who are Nifty Personal Loans?

Well, simply, we are Australia’s fastest growing quick cash loans lender. We service loans up to $4,600 for everyday Australians – with repayment periods up to 24 months.

Our dedicated loan approvals team work with hundreds of Australians each and every day to identify the best loan for their needs.

More importantly, we are a committed responsible lender. As such we comply with all the relevant state and federal legislations so you can trust that we will get you the best outcome every time.

What if I have had bad credit in the past?

Then that’s where it should stay. If your financial history is sound, then we see no problem approving your loan application.

All we need is the last 90 days of bank statements and a Centrelink income statement if you have one.

No credit checks as sole reason for loan approval. No piles of paper work. Just your current financial situation.

Is a Centrelink income okay?

In most instances, yes. Centrelink payments do not mean you are not capable of repaying a loan. If you are receiving a routine and reliable weekly or fortnightly payment, we are happy to approve your application.

Unfortunately, this does not include, Youth allowance, Oz Study and other unreliable payments as they can be discontinued at any time.

Applying for Quick Cash Loans made quick and easy.

Why? Because our loan applications are 100% online and take 2-3 minutes to complete.

This means you:

  • Can submit your application from anywhere and at any time
  • Don’t have to worry about submitting piles of paperwork
  • Can sit on the bus to work at apply for the quick cash loan you need

Also, we utilise the latest and safest banking and identification technology so your information is safe with us.

When will I know?

In most cases, quick cash loans applications submitted during business hours (8am to 6pm Monday to Friday) will be assessed within 60 minutes.

You can help to get your quick cash loan approved by providing:

  • thorough and accurate information
  • a current contact phone number and email address
  • all requested documentation

What if I have more questions?

Then ask us! We understand that taking on a new loan can be a big decision so there are no questions that are too small, or too silly.

Our team of customer service staff are available during business hours – if you have a query outside of these hours, simply send us an email or complete and online enquiry form and we will get back to you the next business day.

No stress!

So if you have been hit with an unexpected bill – apply now for quick cash loans with Nifty Personal Loans! We can help you get a quick cash loan today!

Who can apply for a Nifty Quick cash loan?

You are eligible to apply if you are:

18 years or older

An Australian resident or have permanent residency

Receiving a regular income into a personal bank account

Have an active mobile number and email address.

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $300 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 3 months to Maximum 6 months.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK

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Loan Amounts: Minimum $2,001 to Maximum $4,600.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 13 months to Maximum 24 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty’s Quick Cash Loans?

nqcl Overall rating: 4.6 out of 5 based on 3 reviews.

Best quick cash loan

★★★★★
5 5 1
Thanks for approving my loan application within 1 hour. You guys are amazing.

Best quick cash lenders

★★★★★
5 5 1
Great no hassle !! They are awesome helped me out a lot . Better then most lenders 🙂 thank you .. Happy customer !!

Good customer service

★★★★☆
4 5 1
I would recommend nifty to all my friends and family good customer service I would get another loan in the future thanks nifty.
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