Cash Loans Queensland | Up to $10,000 | Nifty Loans

Nifty Personal Loans are short term cash loan specialists! If your looking for cash loans Queensland you can apply for up to $10,000 in just minutes. We’re 100% online, which means no hassle. As locals ourselves, we know that it’s not always sunny in the sunshine state. No matter what year it is, the cost of living seems to always travel upwards.

This means when those unexpected costs hit, Queenslanders can’t find the funds they need and everyday people are feeling the pinch. Nifty could even offer loans for people with poor credit scores.

What is a personal loan?

A cash loans is a short-term lending arrangement – where amounts up to $10,000 are borrowed and the repayment period depends on the amount of the loan. It is for these people that short term cash loans could come in handy.

What can Nifty Loans do to help in your search for cash loans Queensland?

Well for starters, as a lender, we can offer cash loans Queensland. The Nifty Loans Queensland everyday loans range from $2,500 – $10,000 and repayable over 9 to 24-months. And more good news, because we’re an awesome lender – we can offer you our loans with no paperwork and no hassle!

Nifty Loans is committed to being open and honest with its fees – and ensure that you will know what your loan will cost. As such, all our fees and charges will all be clearly laid out in your contract.

Better yet – we guarantee it. Because we adhere to all relevant State and Federal legislation – As a bonus, if you are looking to settle your cash loan early, we do not charge any early exit fees. This means the earlier you finalise your loan, the more you save! – you can sit back, relax and know your loan is in good hands.

What can I use cash loans Queensland for?

No hidden costs

At Nifty Loans, we don’t like hidden figures. That’s why all the fees and charges associated with your loan will be laid out for you in your loan contract. In the meantime, for an idea of what our loans might cost, you can find basic examples for the loan types listed below.

  • For medium personal loans: unsecured or secured loans from $2,500 to $4,600
  • For large personal loans: secured personal loans of $5,000 to $10,000

Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. If you have any questions surrounding the fees associated with your loan, get in contact with our customer service team. They’re happy to walk you through any questions you may have.

Frequently asked questions

How your loan is protected in Queensland

Due to the high demand of personal cash loans and the ‘last resort’ nature of short term lending, the Consumer Credit Legislation Amendment (Enhancements) Bill 2012 was passed. The legislation was later replaced at the federal level by the National Consumer Credit Protection Act. This legislation covers small loans from $1 to $2,000 and outlines key guidelines governing non-bank lenders, which include:

  • Establishment fee capped 20% of the original loan amount
  • Monthly fees cap – 4% of the original loan amount
  • Fee limit – capped at 100% of the original loan amount.
What if I am on Centrelink and looking for cash loans Queensland?

If you are receiving Centrelink payments – you are also protected by the Australian Government’s Protected Earnings Allowance (PEA). The PEA stops short term lenders from approving loan repayments that exceed 20% of a Centrelink clients income. This can span across multiple loans, meaning a Centrelink client cannot have over 20% of their income going towards short term loan repayments.

For example, if your regular Centrelink income is $100 a fortnight – your maximum fortnightly repayment could not exceed $20 from all short term lenders.

Where can I apply from in Queensland?

Because Nifty Loans is an online company, you can apply for one of our loans from anywhere in Queensland! Don’t believe us? See some examples of where people who have taken out our loans have applied from:

Location Loan Type Approved?
Brisbane Cash Loan
Toowoomba Cash Loan
Cairns Cash Loan
Townsville Cash Loan
Roma Cash Loan
Rockhampton Cash Loan
Gold Coast Cash Loan
Sunshine Coast Cash Loan

Want more of Nifty Loans?

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Want to know more? Nifty tells all about personal loans comparisons.

If you live in Newcastle, don’t let your finances get you down. apply for one of our Newcastle loans today!

Ready to apply?

Great! Then, scroll up and use our loan calculator to select how much you wish to borrow and for how long. Once you are happy with your proposed loan, hit ‘Apply Now’ and your one step closer to your next loan!

*Only available for NPP enabled bank accounts

**subject to when you submit your application