Cash Loans Perth up to $10,000 Approved Online | Nifty Loans

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.

Cash Loans Perth

What are cash loans Perth?

Are your bills starting to pile up? Not sure where to find the money to keep on top of all of your finances? If you are living in Perth and are in need of some financial aid, a cash loan with Nifty could be your answer. We provide quick cash loans up to $10,000 with our 100% online application process. You could have your outcome within the hour!

How do I get a loan in Perth?

Applying for urgent cash loans Perth is simple with Nifty. We are a 100% online lender, meaning that from application to approval, everything is done online. All you need to apply is a few spare minutes, an internet connection and a computer or smartphone. 

We offer three types of personal loans for Perth residents: small loans, medium loans and large loans. Small loans are unsecured loans for any amount between $300 to $2,000. Medium loans and large loans are both secured loans, meaning that an asset must be attached to the loan as collateral. Medium loans range from $2,001 to $4,600 and large loans are from $5,000 to $10,000. Repayment terms will vary depending on how much you wish to borrow.

What can Perth loans be used for?

Whether it’s pay for a holiday or a fixing hole in your teeth, fast cash loans Perth can be used to cover a wide range of expenses. Here are some of the most common reasons people have taken out online personal loans with Nifty:

  • Taking a mini-break
  • Covering bills
  • Update your home interior
  • Home renovations
  • Emergency medical expenses
  • Consolidate your debts

Do you offer urgent cash loans Perth?

Are you in an emergency and need money fast? We offer emergency loans up to $10,000 to assist you in covering any unexpected expenses. Our repayment terms are flexible to ensure you are able to comfortably repay your loan. We will endeavour to get back to you within 60 minutes* with a loan outcome to suit your needs. Once we have received your signed contract, we could have your cash in your bank account within 60 seconds** of our transfer (depending on which bank you are with). When you need a loan outcome fast, Nifty is the lender to help.

How to apply

Ready to apply for a loan today? Our 100% online application process is simple and stress-free. Follow these simple steps to get started:

Step 1: Apply online

Step 2: We assess your application

Step 3: We let you know whether your loan has been approved

Step 4: If approved, review and sign your contract

Step 5: Receive your cash

Eligibility requirements

We have a few standard eligibility criteria that all of our applicants must meet. Please ensure that you can say ‘yes’ to the following 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 the last 90 days
  • You have an active email address and mobile number
  • You have internet banking set up

Documents required

If you are looking for the fastest possible loan outcome, please ensure that you have all of these documents available when you apply. 

  • 100 points of identification
  • Your basic personal information (name, D.O.B, address etc.)
  • Online banking login details (so we can access read-only copies of your bank statements)
  • The reason for your loan application
  • Your myGov details (if you receive Centrelink benefits)

Can I get an instant cash loan?

Searching for ‘instant cash loans Perth’? While our processing times are lighting-fast, we cannot offer instant loans. All of our applications are subject to a thorough assessment to ensure that the repayments can be comfortably afforded. 

‘Instant loans’, otherwise known as payday loans, technically no longer exist in Australia in line with responsible lending practices. These have been replaced by “small-amount credit contracts” (SACCs), though they are often still referred to as payday loans. A personal loan with Nifty is the closest thing to an instant loan you can find! 

FAQs

How much can I borrow?

We offer small unsecured personal loans up to $2,000. We also offer medium and large loans up to $10,000. These loans are secured and must have an asset held against them as collateral. The repayment terms will vary depending on how much you wish to borrow. Use our loan slider to see the exact terms of your potential loan.

I’m on Centrelink, can I still apply for fast cash loans Perth?

We consider most forms of Centrelink as regular income. If you have been receiving your Centrelink payments for at least 90 days, and meet the rest of our eligibility criteria, we may be able to provide you with cash loans in Perth while on Centrelink.

What are the fees and charges?

The interest rates and fees associated with your loan will vary depending on a few factors, including your credit score and the amount you borrow. If you would like a more detailed breakdown of our fees and charges, refer to our costs page or use our loan slider at the top of this page.

How do the repayments work?

We will set up a Direct Debit in line with your pay cycle (weekly, fortnightly or monthly). On this nominated day, your loan repayments will be automatically debited from your account. When your loan has been repaid in full, the payments will stop.

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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.