Cash Loans Newcastle | $300 to $10,000 | Easy Finance | Apply Now!

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Fast Personal Loan

up to $5,000

or

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.

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 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*

Get Cash Loans Newcastle From Nifty!

Looking for a local lender?

Knowing who to turn to when you’re short on cash can be a daunting prospect. Do you ask your parents for help or perhaps friends or relatives? Or do you scour the internet and try to find a trustworthy online lender that won’t rip you off? Knowing what to do and who to trust can be stressful and just plain confusing. You need cash loans Newcastle, but you’re no closer to getting there because you’re swamped and overwhelmed with the number of options. This is where Nifty steps in. Think of us as the trusty lender by your side that will do their best to help you out.

Nifty is the neo-lender more Aussies are turning to for small personal loans. We’re fast, convenient and damned good at what we do. Offering cash loans Newcastle starting from $300 to $10,000, we have something for everyone. Throw in the fact that we offer 100% online, paperless applications that can be submitted from any time, anywhere means you’re dealing with the best. Starting to sound like what you’re looking for? Read on to find out more or scroll up to apply now! PS Learn how to save a few bucks on fuel!

Cash Loans Newcastle

What are cash loans Newcastle?

To put it simply, cash loans Newcastle are small personal loans that are designed to be that helping hand you need when life throws a curveball or two. When you’re in the middle of a crisis and you don’t know who to turn to, cash loans Newcastle can really come in handy. Ranging from $300 up to $10,000, they’re designed to cover all sorts of different things. They’re also super easy to apply for, with an application taking only minutes to complete successfully.

If you’re sitting there wondering whether you’re eligible to apply or not, never fear. Our eligibility criteria is nice and simple. We’re not going to make you jump through hoops before you can submit an application. In fact, we only need a handful of things from you. Take a look and see if you meet the following:

  • You must be at least 18-years of age at the time of application;
  • You must have a regular income for at least the last 3-months being deposited into a personal bank account;
  • You must have an active Australian phone number and email address;
  • You must be an Australian citizen or permanent resident;
  • You must have internet banking set up.

Can you comfortably tick the above boxes? If yes, then you’re eligible to apply. Now you’re wondering how to submit an application for cash loans Newcastle? Read on to find out how!

How do I apply for cash loans Newcastle?

Making an application with Nifty couldn’t be easier. We’re not going to insist that you fill out an exceedingly long-form and go and hunt down dozens of pages of paperwork to print. We also definitely won’t insist on you standing in line for several hours, only to be told that you forgot a piece of paper and will have to join the queue again. It’s the 21st century and Nifty is well and truly aware of that. Our application is 100% online meaning you can apply anytime, anywhere from Beresfield, Carrington, Fletcher, Hamilton, Islington, Kotara, Maryville, Mayfield, Sandgate, Stockton or Wallsend. How good is that! 

To begin – Start your online application

To get your application started, simply scroll up and using our handy loan calculator let us know how much you’re looking to borrow and then click on the ‘Apply Now’ button. All you need to get started is a smartphone and internet connection. How easy is that!

Next – Complete your cash loans Newcastle application form

Now we’ll ask you to provide us with a few important details such as your name, D.O.B, employment status and also your reason for loan. We ask for these details so that we can get to know you a little bit better. When you’re happy with your answers hit ‘submit’. This process should only take you a few minutes.

Almost done – We assess your application

Your part is all done and now it’s all up to our team of talented assessors to get to work on your application. Our team will conduct a thorough assessment of your application, and depending on when you applied*, you could have your outcome in as little as 60-minutes.

*If you applied outside of our business hours (AEST) don’t panic too much, we’ll get back to you first thing next business day.

Finally – Review your cash loans Newcastle contract

If your application for a loan has been successful, we’ll SMS you and send through a digital copy of your loan agreement for you to review and sign. We always encourage everyone to thoroughly read and review their contracts and to take note of some important details such as your repayments dates and amounts as well as any fees or charges that could be incurred if you have a missed or failed payment. Once you’re happy with your contract simply sign it for us and send it back. It’s that simple!

Hooray! – You get your money

Once we’ve received your signed contract a member of our team will transfer your cash straight into your bank account. Depending on who you bank with, you could have your cash in your account in as little as 60-seconds (for NPP enabled bank accounts)! Otherwise, you should see your cash in your account within the next few hours, or at the very latest, overnight. Certainly beats standing in line for hours, doesn’t it?

What loans do we offer?

At Nifty, we can offer three types of personal loans: small unsecured loans, medium secured loans and large secured loans. Here are a few details of our loans:

Loan typeLoan amountLoan term
Unsecured$300 to $2,0006 to 12 months
Secured$2,001 to $4,6009 to 24 months
Secured$5,000 to $10,0009 to 24 months

What can I use my cash loans Newcastle for?

Are you wondering what you could use your personal loan for? We provide small personal loans for a huge number of different reasons. From car repairs to dental loans, wedding loans to emergency loans, we have something for everyone. Lack of finance doesn’t need to stand in your way. Nifty can resolve your money woes! 

Did you know we also provide cash loans Newcastle for little family holidays and long weekends? Not having the spare cash to take the family out on a well-deserved break can be devastating. This is where Nifty comes in. We’re here to help out with all your holiday and getaway needs. We’re also full of amazing tips about great places to visit! Take a look at some of our top local tips of amazing places to see and things to do in our own backyard.

Explore Newcastle

Did you know that Newcastle has a True Crime walking city tour? Discover the dark secrets of Newcastle’s past, all in the company of a knowledgeable guide who knows all of the stories about hauntings, murders and the grisly past.

If a true crime tour isn’t quite your cup of tea, You can also explore the coast of Newcastle through a coastal adventure cruise. Explore Newcastle from a whole new angle. Spot the turtles and dolphins and even get a close-up view of the stunning caves at Caves Beach all while taking in the surrounding marine life and absorbing your guides many tips and facts. This is a must-do.

Are you a bit of a coffee snob and wondering what Newcastle can offer you? We’ve got you sorted with the Early Bird Coffee Tour. Take a 3-hour bike ride around Newcastle starting at the Harbour and experience some of the best coffee spots that Newcastle has to offer.

Nifty takes responsible lending seriously

Responsible lending isn’t something that typically comes to mind when you think of small finance companies. Here at Nifty, we’ve been working to scrub that image from your minds. Nifty is committed to responsible lending and it’s something we’re very serious about.

You may be wondering how we practice responsible lending. This is where our thorough and in-depth assessment process comes into play. By ensuring that we always look at your overall relationship with money as well as your financial details, we ensure that we are never lending money to someone who might not be able to afford it. This is our commitment to you our valued customer and to responsible lending practices. We’re here to help you out of a tight situation, not dig you into a deeper hole a little further down the track.

Can I still apply if I have bad credit?

Yes, you absolutely can apply for a personal loan with Nifty if you’ve got less than perfect credit. We know that not everyone is perfect. We’ve all made mistakes in the past. At Nifty, we don’t think you should necessarily be punished for those mistakes you made up to 7 years ago. We believe in second chances and personal growth. 

We prefer to have a much more thorough overview of your relationship with money before we go making any important decisions. We take a look at a bunch of different aspects in your application before we have an outcome for you. These include your employment status, your credit score, income and banking habits to get a good snapshot of your application. Credit checks are important, but they’re not the only important aspect of your application. Trust that Nifty will always give you the fair go you deserve – bad credit and all. 

What about if I receive Centrelink?

Yes, you can apply if you receive Centrelink benefits*. As long as you can show that you have been receiving Centrelink benefits into your bank account at regular intervals for the last 3-months, then we are happy to accept an application from you. So, don’t be hesitant about applying for cash loans Newcastle just because you’re on Centrelink. We’re not going to give you an instant ‘no’ for receiving Centrelink, so why not submit an application? As we’ve previously mentioned you’ll always get a fair go at nifty and If we can help you out, we will.

*Please note, we do not accept applicants whose income solely consists of Centrelink Newstart, Youth Allowance or Austudy.

Will you contact my employer?

Telling your employer that you’ve had to apply for a personal loan can be a bit embarrassing. Money is still a taboo subject and there is a stigma around borrowing cash. We completely understand this. As part of the Nifty assessment process, we may, on occasion, need to touch base with your employer to verify your employment status or to request additional information. But don’t worry too much. Our specially trained team are discreet and will never disclose the reason for contacting your employer, nor will they give out any private information. This employment check is simply a part of our procedures that we will sometimes conduct. And we’re good at it. Your details are safe with us. 

What information do I need to provide in my application?

We’ll ask you to provide us with some basic, but important information when you submit your application. This information helps us in the assessment process to ensure we properly assess your application. We recommend having this info handy before you start your application so that the process is speedy and speedbump free.

  • Your personal details – name, D.O.B, address, phone number;
  • Your reason for applying for cash loans Newcastle;
  • Your internet banking details – so that we can secure a read-only copy of your recent bank statements;
  • Your MyGov login details (only applicable if you receive Centrelink or Government benefits);
  • Proof that you’re an Australian citizen or permanent resident;
  • Employment details and their contact information (we may need to get in touch if we need to verify your employment status).

Why should I choose Nifty?

If you haven’t noticed by now, Nifty is pretty great. We offer fast, tailored service, with easy 100% online applications. We’re more than just a loan company. We’re the friend you need when life gets a bit tough. So, what are you waiting for? Apply for cash loans Newcastle now and let’s see just how Nifty can help you out!

If you have any questions about our procedures and assessments, want to check up on the status of an application you submitted or you just want to clarify any part of your contract or repayments, please don’t hesitate to give us a call on 1300 471 328. We’re always happy to have a chat with you and answer any questions you may have.

 

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.