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.


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(%)

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

Let’s face it, these days everyone 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 solution right now, so of course it’s no different for short term cash loans.

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

Who is Nifty Loans?

Well, simply put, 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. So are you ready to get quick cash loans today? Keep reading to find out all you need to know.

How much can I borrow from Nifty?

At Nifty we do two types of easy quick cash loans. We do small unsecured quick cash loans, of amounts between $300 to $2,000 that you can repay over 3 to 6 months. In addition, we do medium secured personal loans of amounts between $2,001 to $4,600 that you can repay over 13 to 24 months.

What are the costs of Nifty quick cash loans?

Our costs vary slightly between the two different types of loans we do here at Nifty. To give you an idea of what our loans cost, you can use our loan repayment calculator at the top of the page. Just use the sliders, to select how much you want to borrow as well as the repayment period over which you would like to repay the loan. If you want to find out more about the allowable fees and charges for personal loans, just visit the Moneysmart website.

Small quick cash loans costs

Our small cash loans cost an establishment fee of 20% the loan amount. Plus, additional fees of 4% per month for a maximum period of 6 months.

Medium quick cash loans costs

Our slightly larger loans for $2,001 to $4,600 cost an establishment fee of $400 plus additional fees of 48% per annum. Or a comparison rate of 66.0347% based on a ($2500 loan over 2 years with an establishment fee of $400).

Where can I find quick cash loans Australia?

One of the best things about quick cash loans Australia, is that you can find them 100% online. That means it doesn’t matter where you are in Australia, you can apply for quick cash loans online. In addition, you can also find quick cash loans right here with us!

What can I use my quick cash to pay for?

The great thing about quick cash loans online, is that they can be used to pay for anything you need them for. Honestly, the sky’s the limit! Though here is a list of some of the reasons people apply for quick cash loans online:

  • New fridge or washing machine

    These are often expensive pieces of furniture to buy, and aren’t things that you can live without for very long. Well, unless you’re excellent with an esky.

  • Car repairs

    Perhaps you’ve had an accident or your car has broken down. If you don’t comprehensive insurance, it’s still up to you to fork out the costs to pay for the damages to your vehicle. If you need funds to get your car back on the road, get busy applying.

  • Renovation costs

    Perhaps you’ve decided it’s time to give a room in your house a facelift. Nifty’s quick cash loans can be just the thing to turn your renovation desires into a reality and you can worry about paying it off later.

  • Travel or holiday costs

    Perhaps you’ve realised it’s time for you to take a much needed holiday. Quick cash loans can help you to achieve the holiday you need and deserve.

  • Wedding or honeymoon plans

    Weddings can be expensive, so if you need any help to with financing your special day we can help with that!

How do I apply for quick cash loans today?

One of the things we are very proud of at Nifty Personal Loans is our super easy online application process. Why? Because our loan applications are 100% online and take 2-3 minutes to complete! Isn’t that great or what? Compare this to getting a loan in the past where you had to physically make an loan application to bank manager. With our quick cash loans application process, it couldn’t be easier. You don’t even have to leave your house. All you need is a device that has connection to the internet and apply from there! This can either be a phone, tablet or laptop.

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 and apply for the quick cash loan you need

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

What are the eligibility requirements for quick cash loans?

To be eligible for quick cash loans you need to meet the following eligibility requirements:

  • You need to be at least 18 years of age
  • Must be an Australian citizen or permanent resident
  • Will need to have been receiving regular income for the past 90 days

What information do I need to apply for quick cash loans online?

To apply for quick cash loans online, all you need is to answer the questions on our online application form. It will ask you a few questions about your employment details along with some questions about your finances. The form will also ask you to provide us with some documents to support your application. The following is a list of the documents you will need to provide with your application:

  • 100 points of ID, to prove your age and residency/ citizenship status. To find our more about what makes up 100 points of ID visit this link.
  • You will need to give us your internet banking logins so that we can do a check of your current financial circumstances
  • Finally, we just need a mobile number and email address so that we can contact about your loan application

How does the approval process for quick cash loans work?

Once you have submitted your application, it’ll head over for assessment! If you apply within business hours, we try and assess your application within 60 minutes and we’ll get back to you to let you know the outcome of your application. We’ll look at your bank statements over the last 90 days to verify your income vs your expenses. This allows us to assess whether you are receiving regular income, and if you will be able to afford the repayments for the amount you applied for.

If we approve your loan application, we extend you a loan offer by asking you to sign our loan contract. You can choose to accept or decline at the loan at this stage, it’s up to you!

When will I know if my application is approved?

In most cases, quick cash loans applications submitted during business hours (8am to 6pm Monday to Friday) will be assessed within 60 minutes. Our aim is to provide 1 hour cash loans very quick funds australia! Though to help 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

When do I receive my quick cash loans online?

As soon as you accept the loan contract we’ll transfer your funds to you straight away! That means, you could receive your funds within the very same day you apply. It just depends on what bank you are with. If you don’t receive your funds the same day, you should receive them overnight.

How do repayments work?

The way we structure repayments, is that we help you to set up a direct debit. This means your repayments come out of your account automatically without you having to worry about making them on time. You can choose the date you would like your direct debits to come out of your account on. Plus, you can choose the repayment interval, whether you would like to make your repayments on a weekly, fortnightly or monthly basis. We suggest setting it up to match your pay cycle so that you know you will never have to worry about missing a payment.

What if I can’t make a repayment?

If for some reason you are face with unexpected circumstances and you find yourself unable to make a payment, the best thing to do is contact us to let us know as soon as possible. The worst thing to do would be to stick you head in the sand as you could end up accumulating penalty fees for missed. If you let us know we can try and set up and arrangement that works for both parties.

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. So if you need quick cash loans bad credit people, our loans are not off limits to you. No credit checks as sole reason for loan approval. No piles of paperwork. Just your current financial situation. If you see lenders offering quick cash loans no credit check then its best to steer clear. All lenders must do credit checks, but like us it’s not the only thing we look at, plus its not the most important thing to look at.

Is a Centrelink income okay?

In most instances, yes. We know that just because you receive 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.

Do you do quick cash loans for single mothers?

Yes we do! As long as you are receiving regular income, that’s all we need. Even if you are receiving Centrelink benefits you can get quick cash loans from Nifty.

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. So if you need to speak to us at any time throughout your loan application process you can find our contact details right here.

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?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

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 Quick Cash Loans?

nqcl Overall rating: 4.6 out of 5 based on 5 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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