- Outstanding customer service
- 60-second transfers once approved3
- Fast applications1 and same-day loan outcomes2
- Check if you qualify - no impact on your credit score
Cash Loans Melbourne
- Smart and quick application form, which can be completed in minutes
- 50% of applicants receive an outcome instantly
- For applications that do not receive an instant outcome, most receive a final outcome on the same day!*
- Smart and quick application form, which can be completed in minutes
- 50% of applicants receive an outcome instantly
- For applications that do not receive an instant outcome, most receive a final outcome on the same day!*
We're a part of the award winning Jacaranda Finance group.
Here's what you can expect:
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.
Nifty Loans can help you apply for cash loans Melbourne from $2,100 to $15,000 through our partner lender, Jacaranda Finance.
Cash loans Melbourne were developed for people living in Melbourne in need of short-term financial assistance. Nifty Loans offers quick cash loans applications up to $15,000 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 $2,100 to $15,000 that can be used for a variety of expenses. We are one of Australia’s fastest online lenders, often delivering our loan outcomes on the same day*. 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 loan applications from $2,100 to $15,000; 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 applications: medium loans and large loans.
| Loan type | Loan amount | Security options | Repayment terms |
| Medium loan | $2,100 to $4,600 | Unsecured or Secured | 9 to 18 months |
| Large loan | $5,000 to $15,000 | Generally Secured | 12 to 24 months |
For a more detailed breakdown of our fees and charges on each of our loans, refer to the 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
How to apply
If you are ready to apply online, Nifty Loans will refer you to a simple and easy online application that takes just a 5 to 12 minutes to complete. The assessment team will endeavour to get back to you on the same day*. 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
The team assesses your loan application
Step 3
You will recieve an outcome for your application
Step 4
If approved, review and sign your contract
Step 5
Receive your money
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 19 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
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.
FAQs
How much can I borrow?
You can apply to borrow any amount from $2,100 to $15,000. 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 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 $2,100, 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.
