Looking For Cash Loans Online? Nifty Could Lend A Hand!

cash loans online

Are you looking for a reliable lender that provides cash loans online? If you’ve stumbled across Nifty then you’re in luck! Our team are here to make your life easier. Our entire process, from application to approval, is 100% online. That means you could even apply for a personal loan from the comfort of your own home. If you apply during AEST business hours, we’ll do our best to get back to you in just 60 minutes with an outcome on your application. We’re proud to be revolutionising the way Aussies get instant cash loans online. So, keep reading to see how we could help you today!

What Are Cash Loans Online?

Basically, cash loans online are just personal loans that are approved online. At Nifty, all of our loan products are 100% online. That means you can submit an application anywhere and at any time. If you choose to apply during AEST business hours, our team will do their best to get back to you with an outcome in just 60 minutes.

So many of our customers already love the convenience and we think you will too! If you’re ready to get an urgent cash loan online then you could scroll up and apply right now! Our 100% online application form could only take you a few minutes to complete. If your application is approved you could even have the cash in your account in just 60 seconds with instant banking.

Who Are We: Nifty Loans

Nifty Loans is a trusted name in online lending. We’ve revolutionised the game and we’re only just getting started. Our team are down to earth and realistic. We give all Aussies the fair go they deserve when it comes to a personal loan. We won’t just focus on your credit score. Our team will take a look at the whole picture. We’ll check out what makes you, you. At Nifty, we want to see how you are going to repay your loan – after all, that is the most important part.

Nifty Loans is a responsible lender. What does that mean? Basically, we are here to do the right thing by you. We want to set our clients on the right track to financial freedom – we don’t want to see you in more debt. Consequently, we’ll work with you to achieve the best possible outcome. At Nifty, we’ll never approve an applicant for a loan we do not believe they will be able to repay. That’s just not how we roll. If we can’t find you an appropriate loan product our team will be honest – we don’t want to waste your time. However, if the Nifty team is able to find you a compatible loan, we’ll let you know right away. Nifty is dedicated to making life simpler for Aussies looking for a personal loan.

Can I Get An Instant Loan From Nifty?

Are you wondering whether Nifty could provide you with an online cash loan 24/7? At Nifty, we don’t provide 24/7 loans. We do our best to get you the cash you need when you need it, however, we do have to sleep. If you apply during AEST business hours our team will do their best to get back to you with an outcome in 60 minutes.

Once we have your signed contract, the Nifty team will transfer the cash straight to your account. If your bank supports immediate transfers then you could have the cash in just 60 seconds – if not, your money will be transferred in the next round of banking.

At Nifty, we want the best for our customers. There are a whole heap of lenders out there boasting ‘instant cash loans online’, ‘online cash loans 24/7’ or ‘instant cash loans online 24/7’. Although this may seem like an amazing deal, the Nifty team cautions consumers to be aware. It is important to do your research and remember that when something seems too good to be true, it probably is.

At Nifty, we don’t claim to provide instant cash loans online. Our team conduct a thorough assessment of your application to make sure a personal loan is right for your individual financial circumstances. We do our best to provide you with an outcome as soon as possible. If you’re looking for a cash loan online that you can trust, why not apply with Nifty today.

Who Can Apply?

So, now you know a little more about us, are you wondering who can apply? Well, the good news is, we like to keep things pretty simple at Nifty. If you can answer ‘yes’ to the following then you could scroll up and apply for a cash loan online right now:

  • Am I aged 18 or over?
  • Do I have a valid mobile number?
  • Do I have a valid email address?
  • Have I been employed for the past 90 days and have proof of income?

What Documents Will I Need?

When you submit an application with Nifty, we won’t ask you to provide a whole heap of unnecessary documents. Our team are here to make your life simpler – not more stressful. We’ll only ask you to provide the essentials. As a result, our 100% online application form could only take you a few minutes to complete. Here’s what you’ll need to have with you:

  • Online banking details
  • An active email address and mobile number
  • The reason you are applying for the loan
  • Your MyGov details (if you are receiving Centrelink payments)
  • Employer and contact details

Why Do We Need Your Online Banking Details?

If you’re wondering why the Nifty team might ask you to provide your online banking details then let us explain. When you submit an application for a cash loan online with Nifty, we take a realistic look at your finances. What does that mean? Well, we prefer to focus on a whole variety of financial factors – not just your credit score. Your online banking details give us access to read-only copies of your bank statements.

The Nifty team will use your bank statements to view your spending habits, income, pre-existing financial commitments and regular transactions. If bad credit has been an issue in the past, it no longer has to be when you apply with Nifty.

Nifty Loans uses the latest in safe banking technology to encrypt all of your information. That means no one will ever be able to see your personal information or passwords. It is important to remember that Nifty will never have access to your real bank account. As a result, our team will only ever be able to view your bank statements. If you have questions regarding this process, we want to hear from you! Just get in touch today or head to our FAQ page for more information.

Employment Checks

As a responsible lender, Nifty does conduct employment checks. There is no need to stress, this is just a routine part of our assessment process. We get in touch with your employer to verify a few important details that are essential for our assessment. The Nifty team is highly trained when it comes to employment checks. We value your privacy and hold it in the highest regard. None of your personal information will ever be disclosed to your employer – including the reason why you are applying for a personal loan. If you’ve got questions, our team are happy to provide the answers. Just get in touch today!

How Does Nifty View Bad Credit?

Does the phrase ‘credit check’ make you cringe? Have you avoided applying for a cash loan online for fear of rejection over your credit score? Well, the good news is, Nifty looks deeper. Yes, we will conduct a credit score check when you apply for a cash loan online, however, this isn’t what we will base our assessment on. We take into account a whole variety of other aspects. We’ll look at your income and spending habits as well as your current financial commitments during our assessment. If we can see that you’ve made a considerable effort to reconcile your credit score we could approve you for a personal loan. Don’t let bad credit stand in your way any longer. Nifty is here to make the process simple and stress-free.

Can I Get A Loan On Centrelink?

Wondering whether Centrelink could affect your chances at a cash loan online with Nifty? The good news is, we accept all applications. So, if you’re receiving Centrelink benefits we encourage you to apply. Just like we can not guarantee instant cash loans online 24/7 Australia, we can not guarantee approval for every applicant. Our team will conduct a thorough assessment of every application. We will need to look at what percentage of your income is derived from Centrelink in order to evaluate whether or not a personal loan is right for you. The Nifty team will, however, do their very best to match you with a cash loan online as soon as possible.

How Can I Apply?

The application itself is super easy. We want to make personal loans accessible to all Aussies. Here’s what you’ll need to do:

Step 1

If you’re ready to get started all you need to do is scroll up and use the Nifty loan calculator to select a loan amount and repayment period. When you’re happy, just hit ‘apply now’.

Step 2

If you’ve chosen to proceed with an application then you’ll be directed straight to Nifty’s 100% online application form. This could only take you a few minutes to complete. Nifty will only ask you to provide the essential details. We don’t do pages of unnecessary questions and we won’t as you to provide any unnecessary documents. When your finished, all you need to do is sit back and relax. Our team will do the hard work.

Step 3

We’ll assess your loan as quickly as possible and get back to you. If you’ve chosen to apply in AEST business hours, our team will do their best to get back to you with an outcome in 60 minutes. If your loan application has been successful we’ll send over a contract for you to review and sign. We encourage all our applicants to read through their agreement to ensure they are aware of any fees or charges that could incur for late or failed payment. When you’re happy, just sign your agreement and send it back to us.

Step 4

Once we receive your signed contract we’ll transfer the cash straight to your account. If your bank is NPP enabled then you could have the cash in your account in just 60 seconds. Otherwise, the money will be sent in the next round of banking. The latest you will receive your funds is overnight, provided the contract is signed within business hours.

What Are You Waiting For?

So, what are you waiting for? Apply for a cash loan online with Nifty today and the cash could be in your account sooner than you think. If you’ve been googling ‘online cash loans 24/7’, ‘instant cash loans online 24/7’ or ‘instant cash loans online 24/7 Australia’ then it is important to remember that Nifty does not provide these services. However, we do provide speedy loans with fast assessment turn around times. We do our best to provide responsible loans quickly at Nifty.

Got questions? Head to our FAQ page or get in touch with the Nifty team today!

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* 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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Best loan company to go through

"I have not had much luck with any other loan company but NIFTY gave me a go and I would advise others to go through NIFTY as well."

- Amanda Sanson


Types of loans