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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.

What Is A Cash Advance and How Does it Work?

What does cash advance mean? 

Not so sure what a cash advance is or how it works? Luckily Nifty has done the research for you! There are a few different types of credit that can come under the banner of being a “cash advance”. All of these cash advances can be handy if you’re in need of some quick cash however, they can be quite costly for your wallet. So, before taking out a cash advance, let’s get to know the facts!


Cash Advance

What is a credit card cash advance?

A credit card cash advance is a service provided by most credit card and charge card issuers. The service allows cardholders like yourself to withdraw cash through an ATM or at a bank over the counter. This service will allow you to withdraw cash up to a certain limit depending on your credit limit. While this may be true, a cash advance typically costs more than making transactions with your card.

And what are the costs of a credit card cash advance?

There’s nothing worse than finding yourself short of cash due to sickness, bills or unexpected emergencies. A credit card cash advance can be super handy if you’re in need of some quick cash. However, it is important to be aware of the additional costs that might be attached. Credit card providers often charge a separate interest rate for a cash advance. So, if you decide to use your credit card for a cash advance, it could cost you more than using your card normally.  A cash advance commonly has fees attached to it, so make sure you check that out before going ahead.

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Here's a Nifty question!

When was the last time you checked your credit card cash advance rate?

What is a cash advance pawn loan?

So what’s a cash advance pawn loan? Have you ever seen the American Tv show Pawn Stars? Essentially it is a form of collateral credit, whereby a customer provides a physical asset of value like a home appliance, Jewellery or vehicle in exchange for cash. The business will hold onto the item/s as “Security” for a period of time until the customer pays back the funds given to them. It is important to remember that should the money not be repaid within the terms stated there may be additional costs incurred to the customer, and if not repaid at all the business has the right to keep the item/s and resell it. Like other mainstream forms of credit, it is first important to stop and think before taking an advance and consider the following;

  • Can you afford the repayments?
  • Is what you need to buy urgent or a necessity?
  • Can you enter a payment plan for your bill?
  • Are there other means to pay?
  • Do you know your options?

Here's a Nifty fact!

Pawn Loans are not regulated by the same legislation as other forms of credit, such as personal loans and credit cards.

What is an instant cash advance loan?

Instant cash advance loans are personal loans that are usually borrowed for a short period. Most instant cash advance loans are taken out in a shop front, where you are given the cash over the counter. That being said, there are more and more online lenders that are now offering online instant cash advance loans. The costs of cash loans vary depending on the lender and your financial situation. The repayment period may also depend on how much you borrow. 

Cash Advance Loan with Nifty

A cash advance with Nifty is basically a type of loan where you receive money ahead of time that you can repay later. Have you also been searching for “Payday” loans? If so, you might be after a fast cash loan with quick outcomes. Our small cash advance loans work in a similar way and you repay it along with a fixed interest rate, which is the cost of borrowing the loan. 

Nifty Loans provides fast cash advance loans between $300 and $5,000. The repayment period will depend on the amount you choose to borrow. If you’re looking for the speed and convenience of a cash advance, coupled with the security of a responsible lender, then you’ve found it. It’s Nifty Loans. You can complete our application in minutes, receive a speedy loan outcome in as little as 60-minutes* and if approved, have the money sent straight to your bank and ready to use in 60 seconds**. 

If you’re running low and don’t have the funds to cover your unexpected electricity bill? Why not give Nifty a call? You could be eligible for a cash loan up to $5,000 right now! The best part is you can apply 100% online anytime anywhere.

Can I get cash advance online in minutes with Nifty?

Nifty’s fast loan approval can provide you with cash up to $5,000!  We offer personal loans that, depending on your bank, could be accessed within minutes of signing your contract. If you submit an application within regular AEST business hours you could have an answer from a member of our team within 60-minutes. Scroll up and apply today with Nifty loans!

Are there any cash advance loans with no credit checks?

Are you worried about your credit score? Maybe you’ve been googling ‘instant cash advance online no credit check’, or ‘cash advance no credit check’. While we can’t provide a loan with no credit check, we can guarantee that we’ll look at more than just your credit score. At Nifty, we understand that circumstances change that’s why we are committed to giving Aussies a fair go. Nifty could be the lender to provide you with a fast personal loan even if your credit rating isn’t up to scratch. So, why not scroll up and let us see what we can do for you?

Cash advance bad credit: can I get a loan?

Have you avoided applying for a small cash advance loan because you fear you may not be approved? Why not try Nifty? We don’t just look at your credit rating, we take a variety of aspects into account to give you a fair chance. We will look at spending habits, your income as well as your current financial commitments during our assessment. If we can see you’re doing your best to restore your credit rating we could approve you for a personal loan. Don’t let the past stand in your way…Why not give it a go? Our online application is free, whether you’re approved or not!

Where can I borrow money ASAP? 

Online lenders typically offer personal loans for a variety of reasons, including car repairs and other emergency expenses like dental bills. 

Nifty Loans is a trusted name in online lending. We like to take a realistic look at your financial situation. Our team looks beyond your credit score and assesses your current relationship with money, such as your income and spending habits. 

We always do our best to match you with a personal loan that is right for your individual circumstances. On the other hand, we’re also committed to doing the right thing by our customers. Our team will never lend cash to an individual that we believe cannot afford to make the repayments. 

At Nifty, we don’t think a cash advance loan approval should take weeks. You should have access to the cash you need ASAP. With Nifty, it’s possible. You can apply for a personal loan with Nifty in minutes and have the outcome you need within the hour*. If approved, you could have your money in the bank and ready to use in 60 seconds**. Why wait? Get started today. 

Can I apply for a fast loan with Nifty?

 If you can meet the following criteria, you could scroll up and apply for a Nifty personal loan right now:

  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90 days into a personal bank account;
  • Applicants must have an active mobile phone number and email address that we can contact you on; 
  • Use internet banking.

We’re an online lender that provides personal loans between $300 and $5,000 for a variety of expenses. However, If you have questions regarding our application criteria, head to our FAQ page for more information.

What do I need for a fast loan with Nifty?

To qualify for a quick personal loan, we’ll need you to submit a few things:

  • Personal details such as an active mobile number and email address; 
  • Internet banking details
  • The reason for your loan
  • Your MyGov details (if you’re receiving Centrelink payments);
  • Employer and contact details.

The best part is our application process is 100% online. Therefore, we won’t waste your time with lots of paperwork, so you can submit your application form in minutes! We cannot guarantee approval for every applicant, however, we can guarantee we’ll give you a fair go. 

At Nifty we want to make it easier for you to get the loan you need. Got everything ready? Apply Now!

What types of personal loans do we provide?

What makes Nifty Loans different from all other lenders is the ethics and values we live by. We care about our customers at Nifty and that’s why we have no hidden fees and are 100% transparent. Our loan repayments are flexible and we are always happy to help out when unexpected circumstances arise. Check out the types of loans we can provide you:We’re glad you asked. Nifty offers 3 types of personal loans. These are: 

Loan type Loan amount Loan term
Unsecured $300 to $2,000 6 to 9 months
Can be Secured $2,001 to $4,600 9 to 24 months
Secured $5,000 9 to 24 months

You can use our calculator to find out what your repayments will look like and decide whether they will fit in your budget. – It’s that simple!

How do the repayments work?

If your application is approved, the Nifty team will organise for repayments to be directly debited from your account throughout your loan. Our team can organise the repayments to work in line with your income so there will always be a sufficient amount of cash in your account. 

At Nifty Loans we understand sometimes things don’t go to plan. If you think that you will be unable to make a repayment, our team encourages you to get in touch as soon as possible. The Nifty team will always do their best to arrange an alternative payment schedule if you contact them 24 hours before your next payment is due.

Need a Nifty cash advance loan now?

Apply today and get a loan fast without the hassle of visiting a bank. Online lenders can provide you with fast loans to suit your needs. When you choose Nifty Loans as your online lender, all you need to do is follow the three simple steps and we will try our best to get you the money you need:

Step 1: Apply online

To begin your loan application, scroll up to find our loan calculator. Using the slider, select the amount you’d like to borrow and the repayment period and hit the ‘Apply Now’ button!

You’ll be directed to our 100% online application. This could only take a few minutes to complete. We don’t ask for much when you apply for a Nifty loan, however, we do ask you to provide a few important details so we can access your application.

Step 2: We assess your application 

You can sit back and relax – Nifty’s team will do all the hard work. We assess your application and provide you with an outcome, =sometimes in 60-minutes*. As soon as we have an outcome on your application, we will let you know straight away!

Step 3: Money in 60 seconds** 

If you have successfully matched you with an appropriate loan product, we’ll contact you directly. An agreement will be sent over for you to review, sign. Nifty encourages all applicants to read through their agreement to make themselves aware of any fees or charges associated with late or failed payments.

Once we receive your agreement, we will transfer the cash straight to your account. Thanks to instant banking you could have the money in your account and ready to use in just 60 seconds**. 

Why would I apply for a cash advance loan?

There are a variety of reasons to apply for a small personal loan. On the other hand, if you’ve been googling ‘cash advance rate’ it is essential to remember that Nifty does not provide cash withdrawal services. You can, however, apply for a personal loan between $300 and $5,000 very quickly! Scroll up and get started today.

Do I really need a cash advance?

Before you take a small cash advance loan out we encourage our customers to carefully think about why they may need one. It can get a little overwhelming when choosing the right loan so it’s important to take your time and define your needs.  We also encourage you to plan out how you intend to repay your loan as these factors will help you make the right decision and avoid unnecessary costs. 

Ask yourself before you dive into getting a loan whether you agree with and will be able to comply with all the conditions of the loan contract. If we approve your application, we’ll extend you an offer and send you the loan contract. Now, if there is anything that you disagree with or are not happy with, you can choose to decline the offer if you wish or get in touch with our friendly team.

At Nifty, we only want the best for our customers. There’s a bunch of online lenders out there who claim ‘instant cash advance’ or ‘instant cash loans’. The Nifty team cautions consumers to be aware, it’s important to do your research and remember that when something seems too good to be true, it probably is.

Ready to apply for a cash advance?

Great! Let’s get you the money you need as soon as we can. To begin your application for a personal loan, apply now!

For more information about 1-hour cash advance, direct lenders visit the MoneySmart website.

*subject to when you submit your application.

**NPP enabled bank accounts.

Apply Now

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 Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
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Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
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Medium Loans

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:
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Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 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.