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Fast Personal Loan

up to $5,000

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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.

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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.

Are You Looking for Fast Cash Loans up to $10,000? Apply with Nifty Loans!

You’ve been searching for fast cash loans to help you bridge a financial shortage? Nifty Loans might be the right place for you. We offer fast cash loans between $300 and $10,000 for everyday Aussies, stress-free and quick. 

Nifty - Fast cash loans

Fast Cash loans

If you find yourself in a sticky financial situation and just need a quick stress relief to get ahead of your payments, a fast cash loan might be a good solution for you. Depending on the loan amount, we offer repayment periods from 6 months to 24 months. And of course, we are transparent. All costs will be stated in the contract so you won’t have to worry about hidden fees or extra payments.

How fast can I get a personal loan?

Very fast! Nifty offers same day fast cash loans, you might even get your outcome after only 1 hour!* We know it can be difficult to budget all your expenses in advance and unexpected expenses might eat up your budget. To ease your stress in a sticky financial situation, we made the application process conveniently fast and easy. 

So if you are after a fast cash loan, don’t hesitate to apply. It will only take a few minutes, then you can lean back and wait for your results. Why are we that fast? We’re using cutting-edge technology to assess your situation thoroughly and fast to provide the best experience for you. 

What are fast cash loans and what are they for?

As the name suggests, fast cash loans ditch long waiting times in order to provide convenience and immediate help to the modern Australian in a pressing financial situation. A fast cash loan will mostly be processed within only 1 hour.  Modern times require modern solutions and budgeting is not as easy as it used to be. Many people experience financial struggles during the month because of unexpected bills or a change in their financial situation. Luckily, the digital age offers digital solutions: You can apply for small personal loans online while you get the short term relief that you need to fix your financial situation. 

If you need a little bit of extra cash to breathe freely again, a fast cash loan could solve the issue. At Nifty, we offer fast cash loans to fix a range of different problems: 

Car repair loanWhite goods loan
Car registration loanHoliday loans
Home improvement loansUnexpected bills
Medical loansDental loans

Your car is broken down but you need it back ASAP to get to work? A fast car repair loan may help. If you just need that extra cash to pay for your rego, we offer a car registration loan. An urgent medical bill might mess with your budgeting or your beloved pet needs to see a vet? There are small loans to tackle these issues. 

Do I qualify for fast cash loans?

You most likely do! You need to meet the following requirements: 

  • Be at least 18 years old; 
  • Hold an Australian passport or be a permanent resident; 
  • Have received a consistent income into a personal bank account for the last 90 days; 
  • Have an active mobile phone number and email address. 

That’s all. If you tick all these boxes, apply now to get your fast cash loan with Nifty Loans today. You won’t have to stand in line to hand in your documents or waste time driving to our office. Our application process is fully online and conveniently easy. For most people, it only takes a few minutes to complete. 

How do I apply for fast cash loans?

Imagine queuing somewhere to apply for a loan…Not with us! Our application process is 100% online, with no driving around and no unnecessary paperwork. You can apply from the comfort of your own home! Follow these easy steps for your application for fast cash loans:  

Step 1: Choose the right loan. 

First of all, you should know how much money you need and over what time period you would like to repay it. You can play around with our loan calculator at the top of this page to get an idea of payment rates over different periods of time. Once you are happy, click “Apply Now” to start the application process. 

Step 2: Apply online. 

That’s the easiest part: Simply fill in the personal details you’re asked for and click “Submit”. It should only take you a few minutes, but if you get stuck during the application process, our customer service team is happy to troubleshoot! And the best thing, you can apply whenever you want, 24 hours per day, 7 days per week. 

Step 3: We assess your application. 

You can put your feet up while we do all the hard work. We will check your current financial situation and assess if our products are suitable for your needs. It won’t take long. Depending on when you submit your application, you may receive your outcome within only 1 hour*. It may take a little longer if you apply outside of our business hours but we will get back to you first thing the next morning. 

Step 4: Receive your funds. 

Once you’ve been approved, we’ll send you a digital loan contract that you will have to review and sign online and send back. With the paperwork done, we will transfer your funds to your bank account. It depends on your banking provider how long it takes for them to show up, but it should be there in no time. If your bank account is NPP enabled you could receive the funds in 60 seconds however, the latest you will receive them will be overnight.

Will you perform a credit check?

Yes, we will. As a responsible lender, we have to perform a credit check. But don’t worry, that’s not the only thing we are looking into. We won’t base our decision on any old mistakes, that’s the past. Instead, we evaluate your current financial situation and your spending habits. So don’t worry too much if you’ve got a bad credit rating: We can offer bad credit loans.  

Why do you ask for my banking details?

Giving someone else your banking details might sound uncomfortable at first. But we assure you that online safety is important to us and we will only use your banking details to assess your financial situation. To do so, we use the latest safe banking technology to ensure the highest standard of security. Our team can access a read-only version of your bank statements, at no time will anyone have full access to your account. Then, we do our magic and use your bank statements to get a good overview of your full financial situation and save you the hassle to send in this information manually. 

What personal loans do you offer?

We know every financial situation is different. Therefore, we offer a range of loans that can be tailored to your specific needs. At Nifty, we offer small, medium and large fast cash loans. 

Small personal loans 

Nifty small personal loans are unsecured loans and range from $300 – $2,000. You can repay them over a period of 6 – 9 months and we won’t require you to attach any security to the loan. 

Medium personal loans 

Medium personal loans range from $2,001 – $4,600 and can be repaid over 9 – 24 months. They are secured loans, therefore, you need to attach collateral such as a car, boat or a motorbike to your application. 

Large personal loans 

Large personal loans are $5,000 and can be repaid over 9 – 24 months. Like medium personal loans, they are secured loans and collateral must be attached to your application. 

If you are after a fast cash loan but you are unsure which loan would be best for your personal situation, get in touch with our experienced service team to get advice. We are always happy to help. 

Can I apply if I’m receiving Centrelink?

Yes, you can. We offer fast cash loans for people on Centrelink, so we highly encourage you to give it a go. Some lenders might reject your application if you are on Centrelink but we are different. At Nifty, we want to give everyone a fair chance. We just treat your Government benefits as a regular income. All you need is an online banking account with regular payments coming in and a payment history of at least 3 months. 

How do repayments work? 

You can decide whether you want to repay your loan weekly, fortnightly or monthly but we generally set this in line with your payday. Once your repayment day is set up, you don’t have to lift a finger at all. The amount that is stated in your contract will be directly debited from your bank account. Your only responsibility is to ensure that there is enough money in the said bank account on your repayment day. 

But what if you miss a payment? If your financial situation has changed and you know that you won’t have enough money on your account for the next payment, it’s very important to give us a heads up. We might be able to find a solution that works for both sides. Otherwise, if your payment fails there may be additional fees. Therefore, it’s really important that you get in touch with us as soon as possible. 

On the other hand, if you want to repay your loan early, that’s no problem at all. Unlike other lenders, we won’t charge you any extra fees. And even better, you may save money on the interest rate if you finish your payments early. 

Can I have more than one loan?

That depends. 

If you currently have a small loan with Nifty, you can apply for a medium or a large loan. Please be aware that the assessment process may vary and just because you got approved for one loan doesn’t guarantee a positive outcome for your second loan. If approved, both loans will run side by side, each with its own repayment date and amount. You cannot apply for a second small loan while already repaying one. The first small loan then needs to be repaid fully before you can apply for another one. 

If you already have a medium loan, you can reapply for another medium loan. We then can look at redrawing or refinancing your original loan.

Why Nifty should be your lender of choice

Our loans are Nifty and so are we. But if that doesn’t convince you, let’s give you a few reasons why you will enjoy doing business with us: 

  • Our service is 100% online and therefore, available to you at any time of the day or night. 
  • Our application is fast and easy, most people usually submit within a few minutes. 
  • You will know your outcome in no time. If you apply within our business hours, it might only take 1 hour until you receive a message from us. 
  • You will know all costs upfront, no hidden fees or bad surprises. You can find a detailed overview of all fees and charges on our costs page. Alternatively, you can play around with the loan calculator to find out about payment rates at certain repayment periods. 
  • We won’t punish you for past mistakes. Everyone deserves a fair go, so we will assess your full situation even if you have a bad credit rating. 
  • We are ethical lenders, therefore, highly encourage you to think twice if a loan is a suitable option for your financial situation. Our friendly customer service team is more than happy to advise you if you are unsure if a personal loan would be a good fit for you. 

*If you apply within our business hours and we don’t need any other documents.

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

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 Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$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
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View 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
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.