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up to $5,000

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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.

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Are You Looking For Cash Loans NSW?

Looking for cash loan NSW? Nifty Loans are the experts when it comes to New South Wales cash loans. There are times in life when the unexpected happens and you find yourself in need of funds. We get it, and that’s why Nifty is here. When it comes to emergency cash loans, we take a fresh approach to online lending. In short, our team take a realistic look at finance. We pride ourselves on the fact that we are giving all Aussies a fair go. As a result, we won’t judge you based solely on the result of a credit score check. Our team will take a look at the whole picture. So, there is nothing standing between you and a cash loan NSW application!

What are Nifty cash loans NSW?

Are you wondering what a cash loan NSW actually is and how much you could borrow? A cash loan NSW is basically just a personal loan for people living anywhere in New South Wales, whether it be Sydney, Newcastle, Wollongong, Penrith, Coffs Harbour, Wagga Wagga, Tamworth, Taree, Moree or Port Macquarie. Nifty offers personal loans between $300 and $10,000 repaid over a term of between 6 to 24 months. A NSW personal loan can be used for a variety of different expenses.

At Nifty we provide both unsecured personal loans and secured personal loans. Our personal loans are 100% online. Which means you won’t even have to leave your house. We’re an online business so there’s no need to meet with us face to face. While we can’t provide ‘instant cash loans’ or ‘same day cash loans’, we could have an outcome for you within minutes of receiving your application.

If you do have questions, however, we recommend you get in touch with the friendly Nifty team or head over to our FAQ page for more information.

Who can apply for Nifty rental bond loans NSW?

So now that you know a little bit our about our cash loans NSW, you may be wondering if you are eligible to apply. New South Wales, here is a list of the eligibility requirements we use to assess our applicants.

  • You must at least 18 years of age
  • Need to be an Australian citizen or permanent resident
  • Must have been receiving regular income into a personal bank account for at least the past 90 days
  • An active mobile number and email address

What documents will I need to show Nifty?

In order to process your application, we just need a few pieces of information from you. We suggest you have the following handy whilst completing your 100% online application form:

  • 100 points of ID – this is so that we can verify your age and residency/citizenship status.
  • Bank statements covering at least the last 90 days, which you can provide electronically with your online banking in our application form.
  • Finally, we just need a contact number and email address so that we can contact you with the status of your loan application

Does Nifty do loans for NSW residents on Centrelink?

At Nifty, we can offer loans for people who receive Centrelink. Our team will need to conduct a thorough assessment of your loan application. The Nifty team will need to consider what percentage of your income is drawn from Centrelink to assess whether or not you will be able to make the repayments.

At Nifty, we take our duty as responsible lenders very seriously. That’s why we conduct a thorough financial assessment of the applicant’s financial situation. Our team will never approve a loan for an individual who can not make the repayments.

Can I get a loan on a pension in NSW?

Yes, we can provide cash loans for pensioners in NSW. If you have a regular income, we can look at a loan to suit you. We assess everyone on a case by case basis, though as mentioned above, we will never lend a person more than we believe they are able to afford.

Can I get a cash loan with bad credit?

Absolutely! Here at Nifty, we believe your credit history is history. We understand that some things are just out of your control and a poor credit score can often result. While we do perform credit checks, your credit is not the only thing we look at. In fact, we prefer to look at your current financial situation, notably over the last 90 days, which gives us a good idea of what your income is and your financial habits. Most importantly, we want to assess whether or not you have the ability to repay your loan without being put under financial stress. So, we can provide cash loans bad credit under the right circumstances.

What types of loans does Nifty do?

If you’ve been searching ‘loan money NSW’ then we may be able to help. Here at Nifty, we offer a range of personal loans, including short-term bond loans New South Wales online. Though our loans can cover a variety of different purposes. Here are some of the questions people often ask us when it comes to our Nifty cash loans online.

Do you do car loans NSW?

Yes, at Nifty we could provide you with the small fast loan you need to cover a new car. Nifty could provide between $300 and $5,000 for car-related expenses. Nifty makes the entire process as simple as possible so you can get back to finding the car of your dreams. It is important to remember, however, that a larger loan with Nifty will need to be secured.

Do you do rental bond loans NSW?

Yes, we do! Nifty could provide you with $300 to $10,000 to cover a rental bond. If you’ve found the perfect place, don’t let it pass you by. Moving can be an expensive task. Whether it’s to pay for the removalist, new furniture or just the bond itself, rental bond loans NSW could be just the thing you need to help your moving process go as smoothly as possible.

If traditional lenders have said no why not give Nifty a go? Our team assess every loan application on a case by case basis. We won’t make a judgement based on your history. Our team will look at the here and now. If bad credit has been an issue in the past, you can be guaranteed that Nifty will take a fresh look at your finances.

What else can you use Nifty Loans to pay for?

There are a variety of reasons people need to borrow rental bond loans NSW. Car registration is one of the most common reasons, but here is a list of others too, just in case it might apply to you too:

How much can I borrow?

You might be wondering how much you can borrow. At Nifty we do loans from $300 to $10,000. You can borrow an unsecured loan of $300 to $2,000 which you can repay over 6 – 12 months. Alternatively, you can borrow a medium secured loan from $2,100 to $4,600, or a large secured loan of $5,000 to $10,000 that you can repay over 9 to 24 months.

How much do cash loans NSW cost?

Since we have three different types of loan at Nifty, an unsecured loan and a medium or large secured loan, our cost structure varies slightly between each loan. To give you a rough idea you can check out the cost breakdown at the bottom of the page. You can also find this information on our costs page.

Other Fees

Depending on the loan you take out, other fees and charges may be applicable. No need to stress though, all fees and charges will be clearly laid out in your contract. If you’ve read the contract and are still not sure about something, simply get in contact. Our customer service team is here to help, and happy to walk you through the fees and costs associated with your loan.

If you want some more information on the allowable fees and charges for these small personal loans, just head to the Moneysmart website.

How do repayment work?

The payment process couldn’t be easier with Nifty. We will set up a direct debit from your account so you don’t have to worry about manually processing your repayments. Our team will do their best to align your repayment schedule with your income. Just another way that Nifty makes your life a little easier.

What if I can’t make a repayment?

If for some reason you can’t make a payment, it’s important to let us know as soon as possible. We’re here to help, not make life more difficult. So if you find that you are struggling to make a payment, contact the Nifty team as soon as possible. We might be able to sort out a solution that works for both parties.

What’s great about Nifty personal loans?

There are so many great things about our quick cash loans. We are proud to be offering the very best service to our clients. Here’s what our clients love about Nifty’s cash loans NSW:

We are 100% online

That’s right! That means you don’t have to physically walk into our office and make an application for a fast cash loan. All this can be done from the comfort of your own living room! How great is that?

Our cash loans are super fast

Another benefit of being 100% online is that our loan application process is incredibly fast. That’s also because our online application form is incredibly user-friendly. Although we won’t claim to provide instant cash loans NSW, we can offer fast outcomes. Apply during business hours and we could have a response for you in under an hour. We think that’s pretty Nifty!

Fast transfers on approval

Don’t wait for days to receive your cash! Thanks to new instant banking technology, Nifty can now transfer funds to NPP-enabled bank accounts in just 60 seconds.

There are no early exit fees

This means, if you are ready to pay off your loan early, you can! It doesn’t matter when, if you are ready to pay off your debts we are happy for you to go ahead and do so and you won’t be charged for it.

All our fees are completely transparent

The Nifty team will clearly outline the fees and charges associated with your loan clearly in your contract. As mentioned previously, if you do have questions we encourage you to get in touch with the Nifty team or head to our FAQ page for more information.

Outstanding customer service

That’s right, we have an amazing team of loan experts here to help you through the duration of your loan process. Whether you have any questions concerning the application process or need help throughout any stage of your cash loan NSW term, our team is here to help.

100% OnlineFast Cash Loans
Fast TransfersNo Early Exit Fees
TransparentOutstanding Service

Apply today

Nifty is here to lend a hand. If you’ve been searching for a lender you can rely on you might just have struck gold. Our team are happy to help when it comes to cash loans NSW.

So if you’re pleased with what you’ve discovered about our Nifty personal loans why not apply today? We can have your cash approved for you in 60 minutes during normal AEST business hours. No waiting in line like traditional financiers, just 100% online fast loans. Click here to read more about the loan application process.

Want to know more? Find out how you could get a bank loan today!

Check out how you could qualify for a loan with Nifty!

Are you living paycheck-to-paycheck in Newcastle? Nifty’s Newcastle loans could be the answer to your money woes.

 

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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 Loans

Large Loan Example

$5,000

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)
EEstablishment 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)
EEstablishment 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
EEstablishment 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.