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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 Loans Melbourne – Nifty’s Reliable Personal Loans

Live in Melbourne and looking for a loan? 

If you’ve been looking up ‘where can you borrow money in Melbourne’ then you’re in the right place. Nifty Loans is the lender Aussies can turn to when it comes to easy cash loans in Melbourne. We offer easy personal loans from $300 to $5,000. Simply apply online for the amount you need and you could get a fast outcome on your application in minutes. Keep reading to find out all the details, including our list of must-do activities in Melbourne for those looking to explore Australia’s cultural capital!

Nifty - Cash Loans Melbourne

What are cash loans Melbourne?

A cash loan Melbourne is a personal loan for people living in and around the city of Melbourne, Victoria. Nifty could provide between $300 and $5,000 and deliver an outcome within 60-minutes of submitting your application (during business hours). Perfect for anyone who is looking to borrow money quickly and for a short, fixed amount of time. 

Apply in minutes for the quick cash you need when you need it. You won’t have to wait in long queues or even step foot inside a branch. Our application is 100% online, there are only a few steps between you and your next loan. If Nifty has been able to locate a suitable loan product, we’ll let you know straight away. If we haven’t successfully found you a compatible personal loan, we’ll be honest and we’ll tell you as soon as we can rather than string you along and waste your time. We always have your best interest in mind and we’ll do our best to make the process as streamlined as possible.

So no matter what suburb you live it, whether it be South Yarra, East Melbourne, Carlton, Fitzroy North, Hawthorn, Footscray, Travancore, Carlton North, Kooyong, Collingwood, or anywhere in Melbourne for that matter, think of Nifty Loans when you need a cash loan!

Why should you apply for cash loans Melbourne with Nifty?

Nifty Loans is a trusted online lender that is ready to help Aussies with the loan they need. Whether you live in Melbourne or Perth, Nifty is a lender that has your back. If you’ve been searching google for ‘same day cash loans Melbourne’, ‘easy cash loans Melbourne’, ‘fast cash loans Melbourne’ or ‘cash advance loans Melbourne’ then you probably know there are a plethora of online lenders promising a variety of different things. 

At Nifty, we do not promise anything that we can not provide, we adhere to responsible lending practices, so we won’t approve your application without conducting an assessment. We have developed a streamlined assessment process using secure bank technology to deliver fast decisions in 60 minutes**. It may not be instant cash loans, but it’s pretty damn fast!

Who can apply for cash loans in Melbourne?

Before you apply for a cash loan Melbourne, make sure you check out the following requirements to see if you’re eligible. Here’s what you’ll need to meet if you’d like to submit an application:

  • Applicants must have an active mobile phone number and email address;
  • You must have internet banking set up;
  • All applicants must be over the age of 18;
  • You have had a regular income for the last 3-months into a personal bank account;
  • You must be able to prove you’re an Australian citizen or permanent resident.

Fit the above criteria? Scroll to the top of this page and hit our Apply Now button! We’ll take care of you from there.

What documents will I need to show Nifty?

You can complete a Nifty application in minutes, and we like to make things even easier. So, before you begin your application we suggest having these details handy:

  • Your personal details (name, D.O.B etc.);
  • Internet Banking Details (so we can securely access read-only copies of your bank statements);
  • You will need to provide us with the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

What can cash loans Melbourne be used for?

What’s good about our cash loans Melbourne, is that you can use the money for a variety of different personal expenses. It is easy to access quick cash, and Nifty always has your back. 

We have listed a few of the reasons you can apply for a cash loan Melbourne:

Easy cash loans Melbourne for car repairs

Why is it that car troubles always seem to occur when you’re strapped for cash. When bills pile up, the last thing you need is an unexpected car repair expense. The team at Nifty are here for when life throws you lemons. Simply grab your phone and head to our car repair loan calculator to begin your easy cash loan Melbourne application. You could apply for $300 – $5,000 in just minutes. 

Fast cash loans Melbourne for travel expenses

Heading overseas, or maybe just on a short break for the weekend? Nifty has travel loans in Melbourne to make your trip unforgettable. Yes, we can provide cash loans for holiday expenses. The best part is you could apply right now without the hassle. Our entire application process is 100% online. So, you could even complete your application on the go or from the couch with a cuppa in hand. To begin, scroll up to the top of this page and use our loan calculator to select an amount and repayment period. 

Small cash loans Melbourne for dental costs

Has the dentist delivered some bad news? If unexpected dental costs have blown the budget this month, why not let Nifty lend a hand? Submitting an application couldn’t be easier. We have made the process as streamlined as possible so you can get back to doing what you do best. Nifty is here to make your life a little easier.

Why get a personal loan?

Personal loans are very versatile and can be used for pretty much anything. A personal loan is great for financing once-in-a-lifetime trips and adventures you’ve been dreaming about but might be too expensive for you at the moment. You can also use a personal loan for consolidating costly credit card debts, but they are often most useful for unexpected expenses such as emergency home repairs or medical expenses. In addition, excellent credit is not required and a lender as Nifty as us can give you a quick outcome on your application! Once you are approved, the cash could be in your account in 60 seconds if your bank supports NPP payments.

How do I repay my cash loan Melbourne?

Repaying your personal loan is super easy! We do everything for you so that you don’t have to worry about setting reminders or transferring payments. If you’re approved, we can arrange your repayments. We usually align repayments up with your payday. To make life that bit easier, your repayments are directly debited from your account automatically. Once your loan has been repaid in full, your repayments will automatically stop. It’s that simple.

The repayments can be either weekly, fortnightly, monthly instalments depending on your pay cycle. Our loan terms vary from 6 to 24 months, subject to the amount you are borrowing. 

In addition, we will outline all the fees and interest rates that come with your loan. Don’t worry about hidden fees or charges. We are determined to be 100% transparent. 

What if I can’t make a repayment?

We understand that sometimes life throws curve balls and certain things can impact your ability to make the occasional repayment. If for some reason this happens and you find yourself short on funds, the best thing to do is to give us a call. We’ll do our best to work with you and help you out during a difficult time. The more time we have to adjust your repayments, the more we’re able to do for you. So make sure you get in touch if you have trouble with your repayments. We are more than happy to make your situation better, and so that you don’t get charged any additional fees for late payments. 

Keeping in contact with us and giving us at least a business days notice before your repayment is due allows us to organise alternative options for your repayments. We’re here to help you out in any way we can, it’s that simple! 

Can I pay my loan off early?

You absolutely can! At Nifty Loans, we pride ourselves on not only making things as easy as possible for you but being super affordable as well. If you wish to repay your loan early, you can do so – without suffering any early payout fees. So, if you decide to make extra repayments towards your loan, or want to pay it off early, go for it!

Have more questions about the costs and fees of small loans? Jump over to the website Moneysmart for more information.

What if my loan application is not approved?

If you do apply for a cash loans Melbourne and your application is not approved, don’t worry, it may just mean that this isn’t the best time for you to get a loan. We adhere to responsible lending practices. This means that we must first assess your financial situation using our comprehensive set of lending criteria. We do this by viewing your most recent bank statements and conducting a credit check on all applicants before we can approve anyone for a loan. If we see that you can’t afford the repayments of the loan you apply for, then we won’t lend you the money. It can just make your financial situation worse. 

After we assess your bank statements and current spending habits, we’ll let you know whether we believe you can afford the repayments of your proposed loan. Remember, that this doesn’t mean you will never be approved for a loan with us, it just means that now may not be the right time for you. You’re always welcome to apply in the future if you find you need quick cash and we’ll take another look at your updated financial situation.

How to increase your chances of getting approved

Before you apply, double-check that you meet the eligibility requirements:

Internet Banking
Income 3 months+
Mobile Number & Email
Australian Citizen/Perm Resident

If you haven’t been approved due to your credit score, there are a few things you could do to improve your credit score and increase your chances of getting approved for a Nifty loan. 

If the listing on the credit file has been added incorrectly or by mistake there is a strong chance it can be removed. Make sure you remove all errors on your credit report to increase the chances of getting approved for cash loans Melbourne. Read more here!

Nifty’s top 4 Melbourne hotspots for all ages

Melbourne Laneways

Explore all the hidden laneways of Melbourne’s streets. These are the cute little streets that weave throughout the city, where you can find plenty of hidden little bars, cafes and exciting shops. And who better to go exploring with than a local? You can get a guided tour by a local, who can point out secret galleries and shops, as well as tell you a little bit about Melbourne’s history. You can even get a hidden bars tour that takes you to bars that you wouldn’t otherwise know were there!

South Melbourne market

Visit this adorable market to explore the delicious organic produce and modern treats, sold throughout the stalls that meander along the streets of South Melbourne. Not only can you find great food here, but there are plenty of clothing, gifts and crafts stalls to explore too. What’s better than a Saturday morning spent at the markets!?

Art lovers, this one’s for you! With free entry to the gallery, it’s hard not to give this attraction a priority on your Melbourne to-do list. The gallery hosts an international collection of more than 70,000 pieces from all over the world. Some of the collections you can expect to find here include Pacific Art, sculptures, photography as well as a fantastic array of indigenous artwork. The N.G.V. is also always hosting different exhibitions – you never know what you might find!

Royal Botanical Gardens

Take a trip to Melbourne’s stunning Royal Botanical Gardens, where you can spend a splendid day strolling through nature. Located right in the centre of the city, the Gardens are spread over 95 acres. Anyone else getting flashes of New York Central Park? The gardens are home to a vast array of Australian plants and flowers, and you can even find ecosystems here such as herb gardens and indigenous rainforests which are juxtaposed against immense lawns.

Melbourne, A millenials local playground

Known for its cultural diversity and art both on and off the street, Melbourne has been voted the most livable city in Australia. With its abundance of quirky coffee shops and dining options to suit all budgets and taste buds, you really are spoilt for choices. Melbourne should definitely be on your bucket list, so we thought we would list off some things to do while you are there:

  • Home to some of the most amazing events including The Melbourne Cup Races, “The Race That Stops The Nation”. First run in 1861 and won by a thoroughbred horse by the name of Archer. Also, other events such as the MCG hosted Olympic Games of 1956 and the Australian Commonwealth Games in 2006. The Australian Grand Prix hosted in Melbourne since 1996 taking it over from Adelaide which hosted from 1985-1995, there has not been an Australian winner on the podium since 1985 when the race was taken to a worldwide championship as well as remarkable and inspiring art exhibitions. 
  • Are you a lover of the arts? Don’t worry Melbourne has something for you too. Hosier Lane is Melbourne’s most famous sport for street art, the city council have allocated approved areas for people to legally graffiti as well as  for thriving up and coming street artists to improve and share their craft. Following the Victorian gold rush, Melbourne became the wealthiest city in Australia and it was decided that money would be put aside for a national gallery, now known as the National Gallery of Victoria housing some of the most spectacular artworks and most sought after exhibitions.
  • Be a wanderer, not a worrier, take a stroll down memory “Lane”. In 1976 AC/DC rode down Swanson street while filming one of their greatest hits, “It’s a long way to the top (If you want to rock and roll)”, the name was later changed to commemorate the band as is now known as AC/DC Lane. However, this is not the only laneway gem you will find in Melbourne, Centre Place, Myers Place and Tattersalls Lane to name a few places to keep you entertained through the days and well into the evening.

*Only available for NPP enabled bank accounts

**subject to when you subject your application

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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:
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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 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.