*During normal business hours.
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.
Well for starters, as a lender, we can offer cash loans Queensland. The Nifty Loans Queensland everyday loans range from $500 – $10,000 and repayable over 6 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.
Well – put simply. 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.
Nifty Loans is here for you. We understand that no two people are alike – therefore no two loans will be alike. To cater for the individuality of the great state of Queensland we offer Nifty Cash Loans Queensland approvals for:
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:
If you are receiving Centrelink payments – you are also protected by the Australian Governments 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.
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.
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.
You can apply for a personal loan in three simple steps:
Want to know more about how to apply? Check out the information below.
To begin your application, scroll up and use the loan calculator located at the top of this page. Select how much you wish to borrow and for how long, then you’ll see an estimation of your repayments weekly, fortnightly or monthly. Once you are happy with your proposed loan, hit the ‘Apply Now’ button. Then you’ll be taken straight to our application where we’ll ask you to fill in a few details.
After you submit your application, we get straight to work assessing your financial situation to see whether you’re suitable for a loan. This is where you can sit back and relax for 60 minutes**, while we do the work. We’ll let you know directly if we require any extra information to assess your application.
If you’re approved, we’ll send a contract for you to review, sign and send back. After we receive your signed contract, you should receive your funds in your account and ready to use in 60 seconds*. It’s possible with Nifty!
So, don’t wait, scroll up and get started today.
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:
|Gold Coast||Cash Loan||✔|
|Sunshine Coast||Cash Loan||✔|
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
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Want to know more? Nifty tells all about personal loans comparisons.
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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.Read More
$5,000 - $10,000
$2,001 - $4,600
$500 - $2,000
* 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.