Cash Loans Melbourne | Fast Personal Loans up to $10,000

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Fast Personal Loan

up to $5,000


Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Cash Loans Melbourne

Nifty Loans offers cash loans Melbourne from $500 to $10,000 to eligible borrowers.

Cash loans Melbourne were developed for people living in Melbourne in need of short term financial assistance. Nifty Loans offers quick cash loans up to $10,000 for Melbourne residents.

Searching for quick cash Melbourne?

If you live in Melbourne and are in need of fast financial assistance, Nifty Loans offers fast loans Melbourne from $500 to $10,000 that can be used for a variety of expenses. We are one of Australia’s fastest online lenders, often delivering our loan outcomes within 60-minutes*. We also support instant transfers on approval, so you could receive your payout within just 60-seconds**. 

Nifty Loans is a 100% online lender. This means that we can deliver very fast outcomes without the hassle of paperwork forms. We specialise in delivering quick cash loans to eligible applicants in need of loans in Melbourne.

What are cash loans Melbourne?

Quick loans Melbourne are a type of personal loan designed specifically for Melbourne residents in need of credit. We offer fast personal loans from $500 to $10,000; whether you have had an emergency medical expense or need a cosmetic procedure, you can use a cash loan Melbourne to cover the costs. Nifty Loans offers three types of personal loans: small loans Melbourne, medium loans and large loans.

Loan type Loan amount Security options Repayment terms
Small loan $500 to $2,000 Unsecured 6 to 9 months
Medium loan $2,100 to $4,600 Secured 9 to 24 months
Large loan $5,000 to $10,000 Secured 9 to 24 months

For a more detailed breakdown of our fees and charges on each of our loans, refer to our costs page.

What can I use a personal loan Melbourne for?

You can use a personal loan for any personal expenses you cannot reasonably afford out-of-pocket. Whether you have urgent car repairs or a filling you cannot put off, you can use a cash loan Melbourne to offset the costs. This way, you can repay the amount you borrowed over time in affordable instalments. These are some of the most common reasons we receive loan applications:

  • Dental expenses
  • Medical costs
  • Car registration
  • Car insurance
  • Wedding expenses
  • White goods
  • Unexpected bills

How to apply

If you are ready to apply online, Nifty Loans has a simple and easy online application that takes just a few minutes to complete. We endeavour to get back to you within 60-minutes*. Once approved, you could have the money within just 60-seconds**. Follow these simple steps to apply:

Step 1: Complete your online application form

Step 2: Our team assesses your loan application

Step 3: We will let you know the outcome of your application

Step 4: If approved, review and sign your contract

Step 5: Receive your advance

Eligibility criteria

We have some eligibility criteria all of our applicants must meet before we can approve their loan. Please ensure that you meet the following criteria before you apply with us:

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

Supporting documents required

We also require some supporting documents from you to approve your loan application. To ensure that we can process your application as fast as possible, and to streamline your application time, it may be helpful to have these documents handy when you apply:

  • 100 points of ID
  • Your basic personal information (full name, D.O.B, address etc.)
  • The reason for your loan
  • Your online banking details
  • Your myGov details (if you are receiving Centrelink benefits)

Money lenders Melbourne for bad credit

Nifty Loans is an online lender. This means that, unlike traditional lenders, we can be more lenient in our credit eligibility. We provide bad credit loans to eligible applicants that can reasonably afford their repayments, even with bad credit. We will conduct a thorough financial analysis of your bank statements, including your income and expenses, to ensure that you can reasonably manage your loan. 

We adhere to the responsible lending guidelines set by ASIC, so we must conduct a credit check on all of our applicants. However, even with bad credit, we may be able to provide you with a quick loan.


How much can I borrow?

You can apply to borrow any amount from $500 to $10,000. Our team will conduct a thorough financial assessment to ensure that you can manage your requested loan repayments. Your loan terms will vary depending on how much you borrow.

What are the fees and charges on my loan?

All possible fees and charges will be clearly outlined to you in the terms and conditions of your contract. They will mainly be dependent on two factors: your loan amount and your current financial situation. Each of our loan options accompany different fees. Additionally, if you have poor credit, you will likely be offered higher interest rates.

Can I receive short term loans if I receive Centrelink?

We consider most forms of Centrelink income as regular income. As long as you have been receiving your government benefits for at least 90 days and meet the rest of our eligibility criteria, we may be able to provide you with loans for people on Centrelink.

Can I pay off my loan early?

We do not charge early settlement fees. This means that if you want to pay off your loan early, you are free to do so without any extra fees. 

Ways to increase your chances of loan approval

If you have never applied for a loan before, or if you just want to be safe, here are some things that may increase your chances of loan approval.

Avoid submitting multiple applications

It may seem like an effective way to increase your chances of loan approval by submitting multiple applications. However, it may have the opposite effect. For every application you submit, the lender will conduct a search which leaves a ‘hard inquiry’ on your credit report. If you have multiple hard inquiries in a short period of time, this can put a dent in your credit score. If you are not approved for a loan application, you may choose to address why this is before applying for another loan.

Only apply for what you need

If you are applying for a personal loan for a dental expense that costs $500, avoid applying for anything above this amount. Your lender will request the reason for your loan on approval and if you have applied for more than your expense, they may not approve your application.

Check your credit score

It is important to know your credit rating before you apply for a loan to know what your options are. If you have a poor credit score, it is likely that you will need to borrow through an online lender, like Nifty Loans, as traditional lenders have very strict credit requirements. 

* If applied within our business hours

** If you have an NPP-enabled bank account

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Andy Andy


Andrew Bell

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.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
View Loan Details

* 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.