Cash Loans Adelaide up to $10,000 | Nifty Loans

Get up to $10,000 in Adelaide

While Adelaide is one of the cheapest mainland capital cities in Australia, the costs of bills, food, rent and other expenses can still easily pile up. If you are struggling to find the money available to easily manage your finances, we have a Nifty solution for you. Nifty Loans offers fast cash loans Adelaide up to $10,000.

How do I get a cash loan in Adelaide?

If you are looking for personal loans in South Australia, we offer loan options ranging from $2,500 to $10,000. We provide as close to instant cash loans in Adelaide that you can find. Whether you are looking for a small loan or large loan, Nifty will have an option to suit you.

We offer two types of personal loans: medium loans and large loans. Large loans are 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 range from $5,000 to $10,000. The repayment periods for these loans will vary depending on how much you wish to borrow.

You can apply for any amount up to $10,000 using our loan slider at the top of this page. Our online loan application is paperwork free and can be completed in less than 8 minutes. All you need to apply is an internet connection, a mobile device or laptop and a few spare minutes. We could get back to you with an outcome in 60 minutes* and, once we receive your signed contract, you could have your money in just 60-seconds**.

What can I use my personal loan for?

Icon of a plane
Taking a holiday
Icon of a hand holding a coin
Consolidating your debt
Icon of a hand holding a coin
Covering unexpected costs and bills
Icon of a paint brush
Home renovations
Icon of a heart
Emergency medical bills
Icon of a heart
Dental expenses
Icon of a stopwatch
White goods
Icon of a stopwatch
School supplies

What about bad credit loans?

Do you have bad credit? Have you been searching for ‘cash loans Adelaide with no credit check’? We provide bad credit loans to people with a poor credit history. We will take a realistic look at your financial situation as a whole before deciding whether a personal loan is a good option for you.

We partner with bank statements service, Credfin, to access a read-only copy of your recent bank statements.. This is to analyse your current income and spendings to see whether you will be able to comfortably make your loan repayments. We must conduct credit checks on all of our loan applications in compliance with the responsible lending practices set by the ASIC. However, even if you have bad credit, we may be able to provide you with a loan.

Do you provide loans in Adelaide for people on Centrelink?

Who is eligible?

Are you thinking about applying for a same day cash loan with Nifty? We have a few eligibility criteria all of our applicants must meet. Please ensure you can answer ‘yes’ to the following requirements:

  • 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
What documents do I need to provide?

For the fastest loan outcome, ensure that you have 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)

FAQs

What is a cash loan in Adelaide?

A cash loan in Adelaide is a personal loan available to Adelaide residents. You can apply to borrow between $2,500 to $10,000 with Nifty Loans in Adelaide.

How quickly can I get the money?

We will endeavour to get back to you within 60 minutes* after you’ve submitted your application. If your application is approved, we will transfer the money straight to your account. You could have this money ready to use within 60 seconds** (depending on your bank).

What if I want to pay out my cash loan early?

We don’t charge early settlement fees at Nifty, so if you want to repay your cash loan earlier than your agreed term, you are free to do so. This could save you on monthly fees and interest.

What are the fees and charges?

That will completely depend on a few factors, including how much you are looking to borrow and your current financial situation. If you would like more information about our fees and charges, refer to our costs page or use the loan slider at the top of this page for a detailed cost breakdown.

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.