Cash Advance | Quick Personal Loans Up To $10,000 Online

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up to $5,000

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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

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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.

Cash Advance

Nifty Loans offers personal loans from $300 to $10,000 as an alternative to a cash advance.

If you are currently in need of a short term cash solution, you may be considering a traditional cash advance. A personal loan from Nifty Loans may be what you are searching for.

Need a cash advance?

A cash advance may seem like the only option for a fast money solution. If you are considering taking out a cash advance, you may wish to consider other options for borrowing money. Nifty Loans offers quick cash loans from $300 to $10,000 for a variety of personal expenses. We are one of the fastest-growing online lenders in Australia; we process our loans in 60-minutes* and provide instant transfers on approval.

Nifty Loans is a 100% online lender. We specialise in delivering quick and easy service to our customers with our simple online application process. When you need a loan, Nifty Loans is a speedy lender you can turn to.

What is a cash advance?

To differentiate personal loans with Nifty Loans from a cash advance, it is important to determine what a cash advance is. A cash advance is a service issued by most credit card and charge card providers. A cash advance allows the cardholder to withdraw cash, either over the counter or through an ATM, up to a predetermined limit. 

Alternatives to a cash advance

While using a cash advance credit card can be a great way to access quick cash, it is important to note that there are often additional fees and a different interest rate applied to this service than your usual credit card terms. This means that a cash advance can end up costing you more than just using your credit card normally. If you need cash urgently, here are some alternatives to a cash advance you may wish to consider:

  • Credit card. If you are using your credit card to access a cash advance, using your credit card as normal may be a more affordable cash solution. Your credit card allows you to spend money up to your set limit to be repaid at the end of the month. While credit cards still accompany fees and charges, it may be cheaper than a cash advance.
  • Line of credit. A line of credit is another credit facility extended by banks and other financial institutions for the customer to draw on when they are in need of funds. Again, this service will accompany fees, so it is best to research before taking out a line of credit.
  • Personal loan. A personal loan may be the cash solution you are searching for. A personal loan allows you to borrow a selected amount to be used for personal expenses to be repaid over the determined loan period. There are an abundance of loan offerings available, including quick cash loans by Nifty Loans; it could be the cash fix you are looking for.

Cash advance loans from Nifty Loans

A “cash advance online” from Nifty Loans is not, in fact, a cash advance Australia: it is a personal loan offered to Australians in need of credit from $300 to $10,000. We offer a number of personal loan options to eligible Aussies in need of a short term loan. We offer three main categories of personal loans: small loans, medium loans and large loans. 

Loan Type Security Loan Amount Repayments
Small loan Unsecured $300 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

How to apply for a cash loan

Applying online for a quick cash personal loan is simple and easy with our simple application form. Within minutes, you can complete and submit your loan application and hear back from us within 60-minutes*. On approval, you could receive your cash into your bank account in just 60-seconds**. Follow these steps to apply:

Step 1: Apply online

Step 2: Our team will assess your application ASAP

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

Step 4: If approved, review and sign your contract

Step 5: Receive your “cash advance”

Supporting documents

We must receive copies of your supporting documents to process your loan application. So that we can get back to you as fast as possible, please ensure you provide us with the following documents when you submit your application:

  • 100 points of ID
  • Your basic personal information
  • The reason for your loan
  • Your online banking login information
  • Your myGov login information (if you currently receive Centrelink payments)

Eligibility criteria

All of our applicants must also meet our eligibility criteria for us to process their application. Please ensure you meet the following eligibility requirements before you apply:

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • You have had a consistent income into your bank account for at least 90 days prior to applying
  • You have an active email address and mobile phone number

What about bad credit?

If you have been searching “cash advance bad credit” to find a cash solution with poor credit history, Nifty Loans has a loan option that may suit you. Nifty Loans is an online lender; this allows us to have more lenient credit requirements than traditional lenders. We offer bad credit loans to applicants that meet our lending criteria. We use bank statements to conduct thorough financial assessments of each of our applicants. If we find that a person can reasonably manage their loan, even with a bad credit score, we may be able to provide them with a same day loan outcome.

We are responsible lenders; we follow the responsible lending guidelines set by ASIC. We must conduct credit checks on all of our applicants. However, a bad credit history will not be the only factor considered in your application.

FAQs

How much can I borrow?

You can apply to borrow any amount from $300 to $10,000 for your personal expenses. We will process your application to ensure the loan is manageable for you. Your repayments will depend on how much you borrow.

What are the fees and charges?

Any fees will be clearly outlined to you in the terms and conditions of your loan contract. This may include a monthly fee and interest charges. Your interest rate will be determined based off of your current credit score. 

Can I get a Centrelink cash advance?

We provide loans to Centrelink customers if we find that the applicant can manage their loan, regardless of whether this income is from full-time employment or government benefits. As long as you meet our eligibility criteria and can afford your loan, we may be able to provide you with an online loan

*If you apply within our standard business hours. Subject to individual assessment.

**If you have an NPP-enabled bank account

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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 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 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 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.