Need Money Fast? We Know A Guy!

Sometimes we all need money fast. It’s often at the very worst time that an unexpected expense pops up and surprises you. We get it. That’s why we’ve made the process for obtaining quick easy cash as simple as possible. At Nifty, we don’t mess around. Above all, we’ll be upfront and honest with you. Better yet, our application process is 100% online. That means you can apply for a loan wherever you are and whenever you like! Keep reading to find out just how convenient Nifty really is.

What Can I Do When I Need Money Fast?

You might be thinking ‘I need money asap, who can I turn to?’ Well, the good news is Nifty is here for those tough times. When you need money asap let Nifty show you how easy it could be to apply for quick easy cash. Our application and approval process is 100% online. Therefore, you can even apply using your smartphone. If you submit your application during regular AEST business hours our team will do their best to get back to you within 60 minutes with an outcome. We know that when you need fast cash there is no time to waste.

Nifty Australia

So, who are we and what do we do? At Nifty, we are a trusted name in lending. We are proud to be giving all Aussies a fair go when it comes to a personal loan. We know that when you need money fast in our modern world there is no time to stand in line at the bank and wait weeks for an outcome. That’s why we’ve revolutionised the lending game. Our process is 100% online. So, from application to approval – it can all be done from the comfort of your own home! You won’t have to step foot inside a branch. If you choose to submit an application during AEST business hours our team could even have an outcome for you in 60 minutes.

Are we trustworthy? At Nifty, we are proud to be a responsible lender. We have helped lots of local Aussies successfully get the cash they need when they need it. What’s a responsible lender? Basically, we do not lend applicants an amount we do not believe they will be able to repay.

At Nifty, we are always realistic with the loans we approve because our team wants to help you on the road to financial freedom. Since we do not want to land you in a mountain of debt that you won’t be able to repay, our team is here to support you through the process. So, you can send us a message at any time and we will do our best to get back to you as soon as possible.

How Do We View Bad Credit?

Have you been googling ‘need money quick’ or ‘quick easy cash’? Does a credit check send shivers down your spine? Guess what – it doesn’t have to! At Nifty, we are taking a fresh approach to poor credit. We will conduct a credit score check when you apply for a loan with Nifty, however, this will not be the only thing we base our assessment off. Our team looks deeper. We want to see how you are going to repay the loan. That means we look at your income, employment status as well as regular transactions and expenses.

Above all, we know that bad credit can hang around for up to 7 years – that’s a long time! We don’t think a bad mark that long ago should have an effect on your ability to get a loan now. Often, if our team can see that you have made a considerable effort to rectify the situation, you could be eligible for a personal loan. Every circumstance is different, and therefore every loan application is assessed by our team individually.

Who Is Eligible?

Wondering who is eligible to apply for a personal loan with Nifty? That’s a good question! At Nifty, we like to keep the application criteria as simple as possible. We do our best to give all Aussies a fair go at applying for a loan when they need money fast. So, here’s what you’ll need to say ‘yes’ to:

  • You must have an active mobile number and email address;
  • You must be aged 18 or older;
  • A regular income must have been deposited into your own personal bank account for the last three months;
  • You must have internet banking set up;
  • You must be able to prove you are an Australian citizen or permanent resident.

What Documents Will I Need To Provide?

No stress – we like to stick to the basics. That means we will only ever ask you to provide necessary documentation when you apply for a personal loan. Our 100% online application form could only take a few minutes to complete. Here’s what you’ll need with you:

  • Personal info (name, D.O.B etc.);
  • 100 points of identification;
  • Internet banking details;
  • We will need to know the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink benefits);
  • Employment details and employer contact info;
  • Proof that you are an Australian citizen or permanent resident.

Online Banking Details

Are you wondering why we need your online banking details? At Nifty, we like to get a better idea of the whole picture. We won’t judge you solely based off your credit score. Our team likes to get a better idea of your income, regular expenses and spending habits to conduct a realistic assessment. There is no need to stress. Nifty will not actually access your real bank account. We just look at read-only copies of your bank statements. We use the very latest in safe banking technology. So, that means your passwords and personal information are always encrypted. Ultimately, our team is here to help. So, if you have any questions regarding this process, do not hesitate to get in touch.

Employment Checks

Wondering whether or not Nifty conducts employment checks? Yes, during our assessment process we do conduct employment checks. This is just a part of the process so there is no need to be concerned. Our team simply need to verify employment to fulfil our commitment to responsible lending. The Nifty team is highly trained and experienced in conducting employment checks, so we will never disclose any of your personal information or the reason why you are applying for a loan to your employer.

What If I Am Unemployed?

Unemployed and seeking a loan? Maybe you’ve been googling ‘need money fast’, ‘I need money asap’, ‘need money asap’ or ‘need money quick’? The good news is Nifty doesn’t discriminate. If you’re unemployed and receiving Centrelink or Government benefits you could still be eligible to apply for a personal loan. We do not claim to approve every applicant, however, our team does do their best to match applicants with a compatible loan product. In some cases, Centrelink can be viewed as a source of income. However, in other cases, it might not be. If you are wondering whether you could be eligible for a loan our team recommends you go ahead and apply. The good news is the loan application process is completely free of charge. As a result, you can find out whether or not you’re eligible at no cost.

Instant Loans

Have you been searching ‘I need money right now’ or ‘quick money in one day’? Nifty does not claim to provide instant cash, however, we do provide quick outcomes. If you choose to submit an application during AEST business hours our team could be in touch in 60 minutes with an outcome. If your application is successful we could even have the cash to you on the same day. We do our best to transfer the funds as quickly as possible, however, sometimes inter-bank transfer times can affect the speed at which the cash hits your account. Quick money in one day is possible with Nifty! So, what are you waiting for? We’re 100% online, so you could scroll up and apply for a loan right now!

Our Customers

At Nifty, we know that our business doesn’t exist without our customers. That’s why we aim to provide the best possible customer service at all times. Our team is here to help you. We want to make the loan application process as simple as possible when you need money fast. We know there is no time to waste. Our Nifty team is always honest and transparent. If we can get you the cash we will do it as soon as possible, however, if we can not, we will be upfront and honest. At Nifty, we don’t believe in hiding anything from our customers. We are proud to say that what you see is what you get!

No Hidden Fees Or Charges

That’s right. We aren’t your typical online lender. At Nifty, we will be 100% transparent with any fees and charges, therefore any expenses will be clearly outlined in your contract. Our team is here to help, however, it is the applicant’s responsibility to ensure they are aware of any fees or charges that could incur from late or failed payment.

Ready To Apply?

An application with Nifty could only take you a few minutes to complete. So, here’s how to get started:

Step 1

Scroll up and use our loan calculator to select an amount and repayment period. When you’re happy simply select ‘apply now’.

Step 2

If you’ve chosen to proceed with an application you will be directed straight to our 100% online application form. This could only take you a few minutes to complete. When you’re finished all that is left to do is sit back and relax. The Nifty team will do the hard work for you.

Step 3

If your application was successful a member of our team will be in touch. We will send over a contract for you to review and sign. It is important to read over your agreement and make sure you are aware of any fees and charges that could incur for late or failed payment when you’re happy, just sign and send it back to us.

Step 4

Once we receive your contract our team will transfer the funds straight to your account. We do our best to get you the cash as soon as possible – even on the same day in some cases. However, it is important to remember that inter-bank transfer times can play a part in the speed at which the cash hits your account.

We Help You

Our team loves lending a hand to Aussies when they need money fast. Have a look at what we’ve already approved:

Need Money Fast – Search TermsAmount AUD ($)Approved
Quick Easy Cash500
I Need Money ASAP900
Quick Money In One Day2,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

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


"i have found the nifty team to be quick helpful friendly and always try to exceed there expectations ."

- Colleen Hogden


Types of loans