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

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Get your cash within 60 seconds of approval*

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Fast Personal Loan

up to $5,000


Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Online Cash Loans

Nifty Loans offers online cash loans from $500 to $10,000 for Australians in need of a quick cash loan

If you have been searching for cash loans online, Nifty Loans offers fast cash loans up to $10,000 for eligible customers. We deliver quick outcomes and support instant transfers on approval.

Cash loans online

Nifty Loans offers quick cash loans online from $500 to $10,000 to cover a variety of expenses. Whether you have had unexpected bills or an urgent medical expense, Nifty Loans offers small cash loans online to help you cover your initial costs. 

Nifty Loans is a 100% online lender. We are one of the fastest growing lenders in Australia, specialising in delivering speedy loan outcomes and instant transfers on approval. We endeavour to get back to you within just 60-minutes*; you could have your cash ready to use within just 60-seconds** of approval. If you are searching for a short term loan, Nifty Loans may be the lender for you.

What are online cash loans?

Online cash loans are a form of personal loan offered by Nifty Loans completely online. We offer personal loans from $500 to $10,000 to cover a wide variety of expenses. We offer three types of personal loans: small loans, medium loans and large loans. These are further broken down in the table below:

Loan type Security options Loan amount Repayment period
Small loan Unsecured $500 to $2,000 6 to 9 months
Medium loan Secured $2,100 to $4,600 9 to 24 months
Large loan Secured $5,000 to $10,000 9 to 24 months

We offer unsecured personal loans on our small loans. This is because there is minimal risk involved in lending smaller amounts to eligible applicants. Our medium and large loans are both secured loans; this means that you must attach an asset to your loan as security. If you have more questions about our loan options, please refer to our costs page.

What can I use same day cash loans online for?

You can use your online cash loan for a variety of options. We do require to know the reason for your loan on your online application form. If you are not sure whether you can use a personal loan for your desired reason, here is a list of our most common loan applications:

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

How to apply for an urgent cash loan online

Applying for a loan with Nifty Loans is simple and easy with our 100% online loan application form. We do not require physical paperwork or hours of your time; the application process is so quick you could complete it within just a few minutes. We endeavour to get back to you with a loan outcome within just 60-minutes* and you could have your cash ready to use within 60-seconds** of approval. If you are ready to apply for a loan, follow our simple steps:

Step 1: Complete your online application form along with submitting all required supporting documents

Step 2: We will assess your application as fast as possible

Step 3: Our team will let you know whether your application was successful

Step 4: If approved, review and sign your contract and send it back to us

Step 5: Receive your cash

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
  • Your basic personal information (full name, date of birth, 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)

Online cash loans bad credit

Nifty Loans is an online lender specialising in delivering loans to all 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. However, we may still be able to provide you with a quick loan if you have bad credit.


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 online 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 $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, which may include interest or monthly payments. Additionally, if you have a poor credit history, you will likely be offered a higher interest rate on your loan. 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. 

*If you apply for your loan within our business hours

**If you have an NPP-enabled bank account


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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:
View Loan Details

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:
View Loan Details

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.