Cash Loans NSW - Nifty Personal Loans
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.
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 $2,100 to $15,000 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 on the same day*. 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 $2,100 to $15,000 for a variety of purposes. Our loan options fall into two categories: medium loans and large loans.

Loan type Loan amount Security Repayments
Medium loans $2,100 to $4,600 Unsecured or Secured 9 to 18 months
Large loans $5,000 to $15,000 Secured 12 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?

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

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

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.

Frequently asked questions

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 $2,100 to $15,000. 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 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

Ready to apply?