Cash Loans NSW | Fast Loans Online from $500 to $10,000

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Fast Personal Loan

up to $5,000

or

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for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Cash Loans NSW

Nifty Loans offers cash loans NSW from $500 to $10,000 completely online to eligible applicants.

Cash loans NSW were designed for New South Wales residents in need of short term financial assistance. Nifty Loans offers personal loans up to $10,000, 100% online.

Fast cash loans NSW

If you are searching for NSW instant cash, Nifty Loans offers as close to an instant loan that you can find. We offer fast cash loans NSW from $500 to $10,000 to eligible Australians in need of credit. We are one of Australia’s fastest growing short term lenders; we specialise in delivering fast loans when you need them.

We are a 100% online lender; this allows us to offer fast service and lenient credit requirements. We endeavour to deliver you with your loan outcomes within 60-minutes*. We also support instant transfers on approval, meaning that you could have your cash ready to use within 60-seconds**. When you need a loan, Nifty Loans may be able to offer you a product that suits your needs.

What are cash loans NSW?

Cash loans NSW are a form of personal loan designed specifically for New South Wales residents. We offer competitive rates and flexible repayment options from $500 to $10,000 for a variety of purposes. Our loan options fall into three categories: small loans, medium loans and large loans. 

Loan typeLoan amountSecurityRepayments
Small loan$500 to $2,000Unsecured6 to 9 months
Medium loans$2,100 to $4,600Secured9 to 24 months
Large loans$5,000 to $10,000Secured9 to 24 months

We offer secured loans for our medium and large loan options. This is because these amounts come with a higher risk to the lender; collateral on our loans allows us to continue offering competitive interest rates. If you would like a more detailed breakdown of our loan categories, refer to our costs page. 

What can I use a personal loan NSW for?

We offer cash loans NSW, also known as cash loans Sydney, for a variety of reasons. You can use your cash loan to consolidate your existing debts, get some dental work done or even take your family on a holiday. If you are still unsure whether you can use a personal loan with Nifty Loans, below are some of our most common reasons people apply with us:

  • Multiple bills
  • White goods
  • Urgent car repairs
  • Car registration
  • Medical expenses
  • Wedding expenses
  • Engagement ring finance

How to apply for loans NSW

If you’re ready to apply for one of our short term loans, Nifty Loans has a simple and easy application form for you to complete. You can apply online within just a few minutes and, if you apply within our business hours, we could get back to you within just 60-minutes. We support instant transfers on approval, so you can have the cash you need as soon as possible. Follow these simple steps to apply for a loan today:

Step 1: Complete your online application form

Step 2: Our team will assess your application

Step 3: We will contact you to let you know your application outcome

Step 4: If approved, review and sign your contract; send your contract back to us

Step 5: Receive your cash

Eligibility

We have some standard eligibility criteria that all of our applicants must meet before we can approve their loan application. It may be helpful to ensure that you meet all of the following requirements before you apply:

  • You are at least 18 years old
  • You have had a consistent income into your bank account for the last 90 days
  • You are an Australian citizen or permanent resident
  • You have an active email address and mobile phone number
  • You have internet banking set up

Supporting documents required

Additionally, we require some supporting documents in order to process your loan application. In order to streamline our application processing times, it may be helpful to have the following documents with you when you apply:

  • 100 points of identification
  • Your basic personal information (full name, D.O.B, address etc.)
  • The reason for your loan application
  • Your online banking details
  • Your myGov details (if you receive Centrelink benefits)

Bad credit loans for NSW residents

Nifty Loans is a 100% online lender. This allows us to be more flexible than traditional lenders in terms of our credit requirements. Because of this, we are able to provide bad credit loans to eligible Australians in need of a short term financial solution. Our team will conduct a thorough financial assessment using current bank statements in order to determine whether a loan is affordable for the applicant. If we find that, even with bad credit, the applicant can manage their loan, we may be able to provide them with a bad credit loan.

We adhere to the responsible lending guidelines set by ASIC. Every application is subject to an individual assessment and we must still conduct credit checks on every applicant. However, even if you have a bad credit score, we may be able to offer you a loan.

FAQs

Why do you need my online banking details?

We use a bank statement service to access read-only copies of your bank statements as part of our financial assessment. Utilising your bank statements allows us to provide quick loans to people even if they have bad credit history. We will analyse your income and expenses to ensure that a loan is manageable for you.

How much can I borrow with a cash loan NSW?

You can apply for any amount from $500 to $10,000. Our team will conduct an assessment of your application to ensure that the loan is affordable for you. Your repayment terms will vary depending on how much you borrow.

Can I get a personal loan if I receive Centrelink?

We consider most forms of Centrelink income as regular income. As long as you have been receiving your government benefits for at least 90 days prior to applying and you meet our other eligibility criteria, we may be able to provide you with a same day loan.

Can I get a cash loan NSW if I am from Brisbane?

We offer cash loans for Australians nationwide. Whether you wish to apply for a cash loan Brisbane, cash loan Western Australia WA or a personal loan in Victoria, Nifty Loans will have a loan option to suit you.

*If you apply within our business hours

** If you have an NPP-enabled bank account

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$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
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
Terms:
12 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
12 Months, (52 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$35
View Loan Details

* 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.