Online Cash Loans | Fast Cash Loans Online up to $10,000

Nifty's online cash loans

Nifty Loans offers quick cash loans online from $2,500 to $10,000 to cover a variety of expenses. Whether you’ve been hit with unexpected bills or an urgent medical expense, Nifty Loans can help you out.

We are a 100% online lender, specialising in delivering speedy loan outcomes and instant transfers on approval. We endeavour to get back to you within just 60-minutes* and you could have your cash ready to use within just 60-seconds** of approval.

What are online cash loans?

An online cash loan is a form of personal loan that is completely online. Here at Nifty, we offer personal loans from $2,500 to $10,000 to cover a wide variety of expenses. We offer two types of personal loans: medium loans, and large loans. These are further broken down in the table below:

Loan type Security options Loan amount Repayment period
Medium loan Unsecured or Secured $2,500 to $4,600 9 to 24 months
Large loan Secured $5,000 to $10,000 9 to 24 months

If you have more questions about our loan options, please refer to our costs page.

What can I use online cash loans for?

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Dental expenses
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Travel costs
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Rental bond
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Funeral costs
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Medical expenses
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Unexpected bills
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Urgent car repairs
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Car registration
Eligibility criteria

We have standard eligibility criteria that all of our loan applicants must meet. Please ensure that you meet the following criteria before you apply to ensure we can process your application:

  • You are at least 18 years old
  • You have had a consistent income into your bank account for at least 90 days
  • You are an Australian citizen or permanent resident
  • You have an active email address and mobile phone number
  • You have internet banking set up
Supporting documents

While we do not require physical paperwork, we must still receive copies of your supporting documents along with your application. Please ensure that you submit the following documents:

  • 100 points of identification
  • Basic personal information (name, DOB, address etc.)
  • The reason for your loan
  • Your online banking details (to access copies of your bank statements)
  • Your myGov details (if you receive Centrelink benefits)

Can I get a online cash loan with bad credit?

Nifty Loans is an online lender specialising in delivering loans to everyday Australians. We are able to be more lenient than traditional lenders in our credit requirements, allowing us to provide bad credit loans to eligible applicants that meet our lending criteria. We use your bank statements to conduct a thorough financial analysis of your current financial situation. If we find that you are able to manage a loan, even with a poor credit history, we may be able to provide you with an online bad credit loan.

All of our applications are subject to an individual assessment. We must still conduct a credit check on every applicant in line with responsible lending guidelines set by ASIC.


Can I apply for a loan over the weekend?

You are free to apply anywhere, any time. If you wish to apply for weekend cash loans, you are free to do so; however, it may take longer to process your loan application if you apply outside of our business hours.

How much can I borrow with cash loans online?

You can apply for any amount between $2,500 to $10,000 with Nifty Loans. Our team will conduct a financial assessment to ensure you can manage your loan repayments for your desired loan amount. Your repayments will vary depending on how much you borrow.

What are the fees and charges?

The fees and charges on our loans are dependent on a few factors, mainly your current financial situation and how much you borrow. Each of our loan options accompanies different fees and charges. All possible fees and charges will be clearly outlined to you in your loan contract.

Can I get instant cash loans online?

Nifty Loans delivers very fast loan outcomes, often within just 60- minutes*. However, we do not offer instant cash loans. This is because we must still analyse each application to ensure they are manageable for our applicants. We will deliver the fastest possible loan outcome you can find.

How do I pay back online cash loans?

We will set up a direct debit in line with your current pay cycle. Your repayments will automatically be debited from your account on your selected day. When your loan has been paid off in full, your debits will stop.

Ready to Apply?