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Fast Personal Loans

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Looking for Cash Loans in Perth? Nifty Has Your Back

Cash loans in Perth and surrounds

Have you been scouring the internet trying to find the best ‘cash loans Perth’ but you’re inundated with choices? Choosing the right loan can be hard. While it may seem like an impossible task, Nifty’s Personal Loans may be just what you need to get your finances sorted!

Our loans are for people who are looking for a quick cash injection to give them that helping hand when they need it most. At Nifty, we offer fast and convenient cash loans between $300 to $5,000. With an easy 100% online application process you can submit an application from anywhere and at any time in Australia. Sounds too good to be true? We promise you it isn’t. All you need is a smartphone and a couple of minutes to get started.

So, no matter when the unexpected strikes or your circumstances change, all you have to do is think “Nifty” and submit a quick and easy application online. It’s free to apply and will only take a few minutes, so why not get the ball rolling today and see how simple it is! PS Learn how to save a few bucks on fuel!

Nifty - Cash Loans Perth

What are cash loans?

To put it simply, cash loans are small, convenient personal loans usually in the range of $300 to $5,000, that can be used for a number of different reasons. They’re particularly helpful when life decides to throw you a bit of a curveball and hit you with some unexpected expenses, due to their easy and speedy application process. Lenders like Nifty offer cash loans in Perth and various other Australian cities.

What can cash loans be used for?

If you’re sitting there wondering what ‘cash loans Perth’ could be used for, we have you covered. Your loan could be used for a multitude of different things, depending on your needs. From car repairs and registration, new whitegoods or moving costs to splurging on that big fancy wedding you’ve always dreamed of or a well-deserved holiday, your imagination is your only limit.

Here at Nifty, we understand that things happen, life can throw unexpected and expensive surprises at us, and sometimes we don’t always have spare cash handy. With this in mind, cash loans in Perth can be used for any number of reasons. Whatever you need a quick cash loan for, Nifty could get you the funding you need, fast.

Thinking of using your cash to jet off on holiday?

Are you due for a holiday but haven’t decided on a destination yet? Were you wondering what else your cash loans in Perth could be used for? Why not stay local, take a look around our beautiful city and do some exploring in your own backyard.

Take a day trip to Rottnest Island

Rottnest Island is a great little day trip for you and the family. Just a short ferry ride from Perth, you can spend the day snorkelling in the beautiful bays, cycling around the island or enjoying some of the stunning beaches that Rottnest has to offer. For the wildlife enthusiasts out there, Rottnest Island is especially famous for its native population of Quokkas. Extremely friendly and absolutely adorable, you won’t want to miss your chance for a selfie with the little cuties.

Go cruising on the Swan River

Enjoy that beautiful Perth weather and jump on a cruise down Swan River. A fantastic way to see some of Perth’s attractions, you’ll see everything from the restored Swan Brewery and Kings Park to the towering glass spire of the Bell Tower. And did we mention that many of these cruises include lunch and wine tastings?

Go on a wine tasting tour

With 40 or so wineries for you to choose from, the Swan Valley is an excellent day trip for the wine connoisseurs among us. Swan Valley boasts a wine culture dating back to the first World War and family-owned vineyards passing down their traditions to ensure authentic and excellent flavour varieties. Spending a day tasting some outstanding Australian wines is an excellent way to explore some of the best that Perth has to offer.

Visit Fremantle Prison

This attraction is for the history and crime buffs among us. Fremantle Prison is a former prison and currently the only World Heritage Site in Western Australia. One of Perth’s main tourist attractions, it was originally used to incarcerate convicts transported from Britain. Today it is one of 11 historic sites that make up the Australian Convict Sites World Heritage Property. This one isn’t to be missed.

Who can apply for cash loans in Perth?

Are you wondering if you’re eligible to apply with Nifty? Look no further. Our eligibility criteria are pretty simple, so if you like what you’re hearing, read on. If you can answer ‘yes’ to the following, then you are more than welcome to scroll to hit that ‘Apply’ button and submit your application now. 

You must:

  • Be at least 18-years of age at the time of application;
  • Have a regular income for at least the last 3-months being deposited into a personal bank account;
  • Have an active Australian phone number and email address;
  • Be an Australian citizen or permanent resident; 
  • Have internet banking set up.

Meet these criteria? Submit an application now and get your application off to a flying start.

Will you contact my employer?

As part of the Nifty assessment process, we may need to get in touch with your employer to verify your employment status. But don’t panic. Our specially trained team are incredibly discreet and will never disclose the reason for the employment check, nor will they give out any private information. This employment check is simply a part of our procedures that we may need to conduct.

Can I apply if I receive Centrelink?

Yes, you can definitely apply if you receive Centrelink or Government benefits. The great news is, we accept all applications. As long as you can show that you are receiving Centrelink benefits into your bank account at regular intervals, then we are happy to accept an application from you. Please keep in mind however, we do still need to do an assessment to ensure that the loan will be affordable for you. So, if you’re receiving Centrelink and you’re hesitant to apply for cash loans in Perth, we still encourage you to apply. We’ll do our best to help you out if we can.

Will Nifty check my credit score?

The short answer is yes, here at Nifty we do conduct credit checks. However, don’t let this put you off applying. A credit score is only a portion of your application and we do not base our assessment purely on the results of your score.

Our team looks at a lot of different factors when assessing your application, not just your credit score. We will take into account your employment status, income and overall relationship with money to get a good idea of whether or not you have the means to meet the repayments on your cash loan. Here at Nifty, we are self-proclaimed responsible lenders and will not lend money to applicants that do not have the means to make their repayments. 

You can be assured that Nifty has your best interests at heart. Yes, we conduct a credit check, but no it isn’t the be-all and end-all of your application as we dig deeper.

So, rather than frantically Googling ‘cash loans Perth bad credit’, why not give Nifty a go? You may be surprised at what we could do for you.

What information will I need to include in my application?

We will need a few key pieces of information from you so that we can properly assess your application. Have the following information handy and your application will be an absolute breeze to complete and submit:

  • Personal details – name, D.O.B, address, phone number etc;
  • Reason for applying for cash loans in Perth;
  • Employment details and contact information (we may need to get in touch if we need to verify your employment status);
  • Internet banking details – so that we can secure a read-only copy of your recent bank statements;

By having these details handy when applying, you’ll be able to ensure that your application process is quick, easy and smooth.

How to submit an application for cash loans in Perth

Submitting an application couldn’t be easier. We’re firm believers that the simpler the application process is, the better. So, no giant stacks of paperwork necessary when you apply with Nifty. You won’t need to worry about printing those payslips or trying to remember where you hid last month’s bank statements. We have you covered with our quick, easy, 100% online application process. Sound good? Here’s the lowdown on how to submit your application in just minutes:

Submit your application online

Simply scroll up and let us know how much you would like to borrow, using our handy loan calculator and click on the ‘Apply Now’ button to get the application off to a quick start.

Fill in your loan application form

Supply us with a few details such as name, DOB, employment status and reason for the loan, so that we can get to know you a little better and hit ‘submit’. This should only take you a few minutes.

We assess your application

Your part’s done now and it’s all up to our team of talented assessment specialists to get to work on your application. Our team will conduct a thorough assessment of your application, and depending on when you applied, you could have your outcome in as little as 60-minutes!

If you applied outside of our business hours (AEST) don’t panic too much, we’ll get back to you first thing next business day.

Review your loan agreement

If your application for a loan has been successful, we’ll email you an agreement for you to review and sign. We strongly encourage everyone to thoroughly review their agreements and to take note of your repayments dates and amounts as well as any fees or charges that could incur if you have a missed or failed payment. Once you’re happy with your contract simply e-sign it for us and send it back. It’s that simple!

We transfer you your cash

Once we receive your signed contract we’ll release your funds straight into your account. Depending on your banking institution, you could have your funds in your account in as little as 60-seconds (for NPP enabled bank accounts)! Otherwise, you should see your cash in your account within the next few hours, or at the very latest, overnight. Pretty Nifty isn’t it?

Why wait? Apply now!

So, what are you waiting for? Apply for cash loans in Perth today and your money could be in your account in as little a 60-minutes. Here at Nifty, we specialise in easy, speedy loans with quick, pain-free assessments. Rest easy knowing that we always strive to provide the very best in responsible lending practices and are always willing to help and go that extra mile for our customers. Sounds too good to be true? Why not find out for yourself. Scroll up and apply now!

If you have any questions about our procedures, want to check up on the status of an application you submitted or want to clarify any part of your contract or repayments, please do not hesitate to give us a quick call on 1300 471 328.


Apply Now

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:
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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:
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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.