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

Nifty Loans offers cash loans Melbourne from $2,500 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 $2,500 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 $2,500 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 two types of personal loans: medium loans and large loans.

Loan type Loan amount Security options Repayment terms
Medium loan $2,500 to $4,600 Unsecured or 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?

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
  • Unexpectedly high bills
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 $2,500 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.

Ready to apply?