Cash Loans Perth up to $10,000 Approved Online | Nifty Loans

What are cash loans Perth?

Are your bills starting to pile up? Not sure where to find the money to keep on top of all of your finances? If you are living in Perth and are in need of some financial aid, a cash loan with Nifty could be your answer. We provide quick cash loans up to $10,000 with our 100% online application process. You could have your outcome within the hour*!

How do I get a loan in Perth?

Applying for urgent cash loans Perth is simple with Nifty. We are a 100% online lender, meaning that from application to approval, everything is done online. All you need to apply is a few spare minutes, an internet connection and a computer or smartphone.

We offer two types of personal loans for Perth residents: medium loans and large loans. Medium loans and large loans are both secured loans, meaning that an asset must be attached to the loan as collateral. Medium loans range from $2,500 to $4,600 and large loans are from $5,000 to $10,000. Repayment terms will vary depending on how much you wish to borrow.

What can Perth loans be used for?

Whether it’s pay for a holiday or a fixing hole in your teeth, fast cash loans Perth can be used to cover a wide range of expenses. Here are some of the most common reasons people have taken out online personal loans with Nifty:

  • Taking a mini-break
  • Covering unexpectedly high bills
  • Update your home interior
  • Home renovations
  • Emergency medical expenses
  • Consolidate your debts
Do you offer urgent cash loans Perth?

Are you in an emergency and need money fast? We offer emergency loans up to $10,000 to assist you in covering any unexpected expenses. Our repayment terms are flexible to ensure you are able to comfortably repay your loan. We will endeavour to get back to you within 60 minutes* with a loan outcome to suit your needs. Once we have received your signed contract, we could have your cash in your bank account within 60 seconds** of our transfer (depending on which bank you are with). When you need a loan outcome fast, Nifty is the lender to help.

Eligibility requirements

We have a few standard eligibility criteria that all of our applicants must meet. Please ensure that you can say ‘yes’ to the following requirements before you apply:

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

If you are looking for the fastest possible loan outcome, please ensure that you have all of these documents available when you apply:

  • 100 points of identification
  • Your basic personal information (name, D.O.B, address, etc.)
  • Online banking login details (so we can access read-only copies of your bank statements)
  • The reason for your loan application
  • Your myGov details (if you receive Centrelink benefits)

Can I get an instant cash loan?

Searching for ‘instant cash loans Perth’? While our processing times are lighting-fast, we cannot offer instant loans. All of our applications are subject to a thorough assessment to ensure that the repayments can be comfortably afforded.

‘Instant loans’, otherwise known as payday loans, technically no longer exist in Australia in line with responsible lending practices. These have been replaced by “small-amount credit contracts” (SACCs), though they are often still referred to as payday loans. A personal loan with Nifty is the closest thing to an instant loan you can find!

Frequently asked questions

How much can I borrow?

We offer medium loans from $2,500 to $4,600, and large loans from $5,000 to $10,000. Large loans must be secured and must have an asset held against them as collateral. The repayment terms will vary depending on how much you wish to borrow. Use our loan slider to see the exact terms of your potential loan.

I'm on Centrelink, can I still apply for fast cash loans Perth?

We consider most forms of Centrelink as regular income. If you have been receiving your Centrelink payments for at least 90-days, and meet the rest of our eligibility criteria, we may be able to provide you with cash loans in Perth while on Centrelink.

What are the fees and charges?

The interest rates and fees associated with your loan will vary depending on a few factors, including your credit score and the amount you borrow. If you would like a more detailed breakdown of our fees and charges, refer to our costs page or use our loan slider at the top of this page.

How do the repayments work?

We will set up a direct debit in line with your pay cycle (weekly, fortnightly or monthly). On this nominated day, your loan repayments will be automatically debited from your account. When your loan has been repaid in full, the payments will stop.

Ready to apply?

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.