Online Loans | Fast Cash Loans Online up to $10,000

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

Apply now for:

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

Estimated repayments:

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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.

Online Loans

Nifty Loans offers online loans from $300 to $10,000 for Australians searching for fast personal loans.

Online loans are a hassle-free and quick way to access finance. Nifty Loans offers quick online loans for personal expenses; we support instant transfers on approval. 

Cash loans online: Reliable, fast loans when you need money urgently

The internet has made borrowing money easier than ever before. The days when credit could only be accessed by going into a branch seems like a thing of the past with online finance options so readily available. If you have been searching for loans online, Nifty Loans offers quick and easy online loans from $300 to $10,000 for eligible applicants.

Nifty Loans is a 100% online lender. This means that all aspects of the loan process are completed online, from application to approval. All you need to apply for an online loan is an internet connection, smartphone or computer and a few minutes to spare. Whether you have had unexpected bills, an urgent medical expense or need to replace your fridge, an online loan may be the financial assistance you need.

What are online loans Australia?

Fast online loans are personal loans that are processed completely online. Online loans take away the stress of physical paperwork and long queues; you can take a few minutes to apply and you could have your loan outcome within 60-minutes*. We offer three types of online 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

What can I use my online loan for?

Nifty Loans offers online loans for any personal expenses you cannot reasonably manage. If you have multiple bills that have fallen due at once and you cannot reasonably repay them, an online loan can be used to cover your costs to be repaid over time. Not sure what you can use your quick cash loan for? These are some of the most common reasons we receive loan applications:

  • A holiday with the family
  • Travel costs
  • Emergency medical bills
  • Renovation/home updates
  • Car repairs
  • Car registration
  • Funeral expenses
  • Vet bills

What about bad credit loans online?

Nifty Loans is an online lender. This means that we don’t just deliver extremely fast online loans, we are also more lenient than traditional lenders in terms of our credit requirements. We provide loans for bad credit to eligible borrowers that meet our lending requirements. We conduct financial assessments on all of our loan applicants, regardless of their credit score, to ensure that they can manage their loan repayments. If we find that an applicant can reasonably repay their loan, even if they have bad credit, we may be able to provide them with one of our fast loans.

We are responsible lenders. We adhere to the responsible lending guidelines set by ASIC; this means that we must still conduct credit checks on every application we receive. We cannot provide ‘online loans no credit check’. However, a bad credit score will not be the only factor considered when approving your application.  

How to apply for an online loan

The application process for an online loan is quick and easy. The online application form can be completed in just a few minutes and we will endeavour to process your loan within 60-minutes*. Once approved, we will transfer your funds straight to your bank account; you could have your cash within 60-seconds of approval**. Apply online for a short term loan by following these steps:

Step 1: Apply online

Step 2: Our team will process your loan as fast as possible

Step 3: We will let you know the outcome of your loan application

Step 4: If approved, review and sign your contract

Step 5: Receive your money

Eligibility

All of our loan applicants must meet our eligibility criteria before we can approve their loan. To ensure that we can process your application, please check that you meet these requirements:

  • 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
  • You have a mobile phone number and email address
  • You have internet banking set up

Supporting documents

We also require copies of the following supporting documents. So that we can process your loan as fast as we can, please ensure that you provide your supporting documents when you submit your online loan application.

  • Your basic personal information
  • The reason for your loan
  • 100 points of identification
  • Your online banking login details
  • Your myGov login details (if you receive Centrelink benefits)

FAQs about online loans

Do you provide instant cash loans online?

Unfortunately, we cannot deliver you with an instant loan online as we must conduct an individual assessment of each application we receive. This is to ensure that our loan applicants can reasonably manage their requested loan amount. We will process your loan as fast as we possibly can and support instant transfers on approval. 

What are the fees and charges?

The fees and charges on your loan will depend on the amount borrowed and your current credit score. You will likely be offered a higher interest rate if you have bad credit. Additionally, your loan may include a monthly fee; this will be clearly outlined in your loan contract. For more information about our fees and charges, please refer to our costs page.

Do you provide online loans for Centrelink customers?

We consider most forms of Centrelink income as regular income. If we find that you can manage your loan and meet our eligibility requirements, we may be able to provide you with a same day loan if you receive Centrelink benefits.

Why do you need my online banking information?

We use copies of your bank statements as a part of our financial assessment process. We will analyse your income and expenses to ensure you can currently manage a loan. 

*If you apply within our AEST business hours

**If you have an NPP-enabled 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.