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Living in South Australia and need some extra cash?

Home to some of the country’s most spectacular scenery, South Australia has plenty to offer to visitors and locals. But even with the greatest plans, sometimes life gets in the way. Sometimes you need extra funds to cover for unexpected events, sometimes you just want to make a bigger purchase and simply don’t have the right cash laying around. Either way, Nifty may be able to help with cash loans South Australia.

Have you been searching the internet for cash loans South Australia? If you need to improve your cash flow quickly, Nifty has got your back! Our personal loans follow a no-fuss, no paperwork-policy: With a 100% online application process and fast outcomes, we make lending a pleasant experience for everyone involved. Learn about centrelink loans here.

A young woman sitting on a brown leather couch with her phone in one hand and a cup of tea in her other hand.

Cash loans South Australia – what’s that?

If you’ve been wondering what cash loans South Australia actually are and how much you can borrow, let us clarify. Our cash loans are personal loans for anyone living in South Australia, set up to make your life a tiny bit easier. Nifty provides easy loans from $2,500 to $10,000 for anyone who needs a quick financial top-up. Our loans are flexible and fit your lifestyle. You can arrange repayments on your own terms: we offer repayment periods between 9 and 24 months.

South Australia: The festival state

If you are visiting South Australia, it will strike you with its natural beauty. If you want to avoid crowds, the Eyre Peninsula offers beautiful beaches, pristine landscapes and fresh seafood. Your inner foodie will experience pure bliss in Barossa, one of Australia’s finest wine and food destinations. At the Jacob’s Creek Visitor Centre, visitors can sample wines while enjoying the stunning views over the vineyards. Most prominently, it is known for its festivals like Adelaide Festival, The Adelaide Fringe, WomAdelaide, and the Cabaret Festival.

No matter if you are visiting or call this stunning state your home if you’re looking to up your money game, Nifty Loans could help by providing fast and easy cash loans South Australia.

Nifty Loans – fast and easy

We are Nifty Loans and we live up to our name! Just thinking about the stress and paperwork that used to come with a loan application makes us feel stressed already – that’s why we do things differently.

Our loan application is 100% online for your convenience. Most people submit their application within a few minutes. If you apply during AEST business hours, you may receive your outcome within 60-minutes*. That leaves you with plenty of time for the fun things in life like exploring one of South Australia’s beautiful national parks.

What loans do you offer?

At Nifty, we offer secured and unsecured loans. What is that you ask? An unsecured loan means no collateral needs to be attached to the application to provide extra security. They are our most hassle-free option and super easy to get. Secured loans, on the other hand, require you to provide security against your application. Any vehicle like a boat, a car, or a motorbike would work.

Medium personal loans

Medium loans are valued between $2,500 and $4,600. Repayments can be made over a period of 9 to 24 months. Medium loans can be unsecured or secured. You are not required to attach security to your loan application. Although it is not mandatory, in some cases we may recommend you do attach equity to your loan application.

Large personal loans

Nifty large personal loans can be taken out up to the value of $10,000. Like medium loans, the repayment period for a large personal loan is also 9 to 24 months. It is mandatory to attach equity to our large loans. Examples of assets you can attach to your loan are a car, caravan, motorbike, or boat.

Who can apply for cash loans South Australia?

We want to make personal loans accessible for (almost) everyone, quick and easy with no fuss and no paperwork. Still, you have to tick a few boxes to be eligible for a Nifty loan. If you answer all of the following questions with “Yes”, don’t waste any more time and apply today!

  • Are you at least 18 years old?
  • Do you have an Australian passport or are a permanent resident of Australia?
  • Can you provide an online banking account with at least 90 days of payment history?
  • Do you have an active mobile number and email address?

Does that sound like you? Cash loans South Australia could be only a few clicks away! If you have any further questions about our loans or the requirements, head over to our contact page and ask our friendly customer service team.

How to apply for cash loans South Australia?

We are Nifty and our loans have to live up to our name. That’s why our application is so easy, it will only take you a few minutes to submit. When applying during AEST business hours, you could get your outcome within 60-minutes* already.

Step 1: The online application

We’d recommend you have your personal details handy for that step. Head to the top of this page, choose your loan amount, loan term and preferred repayment interval. Once you are happy, hit “Apply Now” and we will guide you through the next steps. It won’t take you long, a few minutes maximum and you can submit your application.

Step 2: Assessing your case

Now you can lean back and relax. Our team gets to work assessing your application. As responsible lenders, we look at your financial situation and spending habits and decide whether we think a loan is suitable and affordable for you. We don’t just look at your credit history, we take it a step further to ensure you get the best borrowing experience possible.

Step 3: Access your funds

We won’t make you wait for your outcome. You will know as soon as we do. Most likely within the first 60-minutes* after your application. But don’t be concerned if it takes a little longer. I may just mean we need a little extra information. Once you receive a “Yes” from our side, we send over the loan contract for you to review. Read it carefully and send the signed version back to us. That’s the formalities done!

Step 4: Get your cash

Once we’ve received your signed copy of your agreement, a member of a team will directly transfer your money. In most cases, you’ll have the money in your account and ready to use in 60-seconds**! How quick’s that!

Frequently asked questions

Can I apply for cash loans South Australia as a pensioner?

We want to provide fast access to finance to everyone. If you meet our other eligibility criteria, we highly encourage you to apply. A personal loan can be a good way to boost your personal finances or to help you cover an unexpectedly large bill. Either way, Nifty has got your back!

If you need assistance with your application, give us a call on 1300 471 328. Please note that we can’t take applications over the phone but we’re happy to assist you.

I receive Centrelink payments, can I apply?

No worries!

We know there are various reasons to receive Centrelink payments and they shouldn’t prevent you from getting a personal loan. The main thing is that you have a frequent income that covers your repayments. That’s why we can accept Centrelink payments as an income.

If you receive Centrelink payments for any of these reasons, you’re welcome to apply today!

  • Retirement;
  • Family;
  • Parent aid;
  • Disability.

For everything you need to know about Centrelink, we have you covered.

Is it possible to get a loan with bad credit?

Yes, it is! We know life doesn’t always go to plan and you may end up with a bad credit rating from a previous mistake that could’ve been avoided. While we do perform a credit check, we won’t judge your suitability purely based on that. Instead, we look at your current relationship with money and plenty of other factors. So don’t worry if you have bad credit, we may still be able to offer you a loan.

How fast are your cash loans South Australia?

Our loans are as fast as they can get. Once submitted you will  likely get a response within 60-minutes*. We will send you the loan contract as soon as your positive outcome got approved. And the best thing? You could get your cash instantly. Thanks to modern technology, we can now transfer funds to NPP-enabled bank accounts in just 60-seconds**!

How do I do repayments?

Once set up, you won’t have to worry about repayments anymore. They will be directly debited from your bank account for the lifespan of your loan. You are the master of your loan. If you need to make changes, you can contact our team at any time.

If your financial situation changes and you know you may miss a payment, we urge you to give us a call early on. We may be able to find a solution that works for both sides.

What can I use my cash loan for?

Obviously, you can decide what you want to use your personal loan for. We may ask you to provide a reason during the application process, though. That’s why you should consider your reasoning behind your application before you apply. Whether it’s for a boat loan or a bicycle loan, here is some inspiration on what a cash loan South Australia could be useful for.

A holiday If you’re planning the holiday of your life but don’t have the funds to pay for all the fun activities you’d love to do, a personal loan could help to boost your finances and make your trip more pleasant.
Personal purchases You want to make a big purchase but don’t want to dig deep into your savings? With a loan, you can repay your spendings with interest on your terms.
Car repair Car problems are super frustrating – we know that! You may need your vehicle to get to work or it may just create inconvenience in your life. Either way, borrowing money may help bridge a financial gap.
Rental bonds Relocating to or from South Australia can be nerve-wracking and expensive. If you need a fast cash pick-me-up to help finance your big move, a personal loan could help you pay for costs like rental bonds, furniture, or transportation.
Unexpected bills No matter if it’s a big medical bill or if you have to take your beloved pet to the vet, big bills often don’t have good timing. If you need short-term relief from financial stress, we’ve got you covered.
Are you ready to apply?

If you have any further questions, shoot them to our customer service team. Otherwise, let’s get nifty together. We’re here to lend a hand. If you’ve been on the hunt for the right lender in South Australia, you may have a match! Our team is happy to help with cash loans South Australia.

So if you’re pleased with our offer, why not apply today? Your loan could be approved within 60-minutes* if you apply during AEST business hours.

*If you apply during business hours and we don’t require any additional information from you

**If your bank supports NPP transactions

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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.

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