Quick Cash Loans | Fast Cash Loans Online - Nifty Loans

Quick Cash Loans
From Nifty

Get your cash within 60 seconds of approval*

Apply now for:

Fast Personal Loan

up to $5,000


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 in 60 seconds is only available for NPP enabled bank accounts.

ⓘ Loan Disclaimer

Need a loan quickly?

These days, everyone is looking for a quick and easy online option to tackle their everyday tasks. From finding a home loan to ordering a pizza – people want solutions at their fingertips. This is no different for short-term cash loans.

Fortunately, we’ve done all the hard work for you. So, if you’re someone who needs quick cash, why not let Nifty lend a hand?

Documentation you’ll need:

  • Contact information
  • The reason for your loan
  • Internet banking details
  • MyGov account details (if you receive Centrelink benefits)

Eligibility criteria:

  • Be at least 18-years of age;
  • Be an Australian citizen or permanent resident;
  • Have internet banking set up;
  • Have an active mobile number and email address;
  • Have been receiving regular income for the past 90-days.

Ready to apply?

You can apply for up to $10,000 in under 8 minutes!

Apply Now

What can I use my quick cash for?

The great thing about quick loans is that they can be used to pay for almost anything you need them for. Honestly, the sky’s the limit! Here is a list of some of the most common expenses a loan can cover:

Personal Loan Calculator

Get a good car loan deal with rates starting from 10%.

I want to borrow

Paid back over 9Months

Estimated Repayments


per week


per fortnight


per month

ⓘ Loan Disclaimer

Frequently asked questions

Who is Nifty Loans?

Before we delve deeper into quick cash loans, we thought it would be nice to introduce ourselves first. We are one of Australia’s fastest-growing small online lenders. We service online loans up to $10,000 for everyday Australians – with repayment periods up to 24-months. Our dedicated loan specialists work with hundreds of Aussies each and every day to identify the best loan for their needs.

More importantly, we are a committed, responsible lender. As such we comply with all the relevant state and federal legislation so you can trust that we will get you the best outcome every time. So, need quick loans now and ready to apply? Keep reading to find out all you need to know.

How much quick cash can I borrow from Nifty?

At Nifty we do three types of easy loans. The first being small unsecured loans between $300 to $2,000 that you can repay over 6 to 12-months. Secondly, we do medium secured personal loans of amounts between $2,001 to $4,600 that you can repay over 9 to 24-months. Last but not least, we offer large secured personal loans up to $10,000 that you repay over a 9-24 month period.

To give you an idea of the cost of our loans, scroll up to use our loan repayment calculator. Just use the sliders to select how much you want to borrow as well as the repayment period over which you would like to repay the loan. If you want to find out more about the allowable fees and charges for personal loans, just visit the Moneysmart website.

Depending on what type of loan you apply for, other fees and charges may be payable. You may be charged additional fees if you miss a repayment or default on your contract. If you want more information regarding the fees and charges surrounding your loan, get in contact with our customer support team. They’re more than happy to help with any and all questions you may have.

What are quick cash loans?

Quick cash loans are just that, quick! They are personal loans, big or small. You can apply for a loan between $300 and $10,000 and repay them over a 6 to 24 month period. If you’re approved, your funds could be transferred to your bank account instantly! 

Where can I get a quick cash loan?

One of the things we are very proud of at Nifty personal loans is our super-easy online application process. Our loan applications are 100% online and can take only minutes to complete! Compare this to getting a loan in the past, where you had to physically make a loan application with a bank manager. Using our application process couldn’t be easier. No more long queues at the bank, all you need is a device that is connected to the internet and you’re good to go! This can either be a phone, tablet or laptop. 

We utilise the latest and safest banking and identification technology so you know that your information is safe with us.

How does the approval process work?

We’ll look at your bank statements from at least the last 90-days to verify your income and your expenses. This allows us to assess whether you are receiving a regular income and if you will be able to afford the repayments for the amount you applied for.

Once you have submitted your application, the team at Nifty will get to work on assessing it! If you apply during our regular business hours, then you could receive an outcome in as little as 60 minutes!

If we approve your loan application, we will extend you a loan offer by asking you to sign a loan contract. From here, you can choose to accept or decline the offer, it’s up to you!

How can I get an instant loan?

Due to our responsible lending practices, Nifty can’t offer instant approval loans. However, we do offer conditional instant approval! While we don’t transfer your funds the instant you apply, that doesn’t mean we’re not fast! So, what is conditional instant approval?

It means that as soon as you submit your loan application, we automatically tell you whether you have been conditionally approved or not. From here we will just need to quickly verify the information you have provided in your application. We’re not in the business of wasting anyone’s time. Therefore, if we’re not able to make you an offer, we’ll let you know as soon as possible. If you apply during our business hours and your application is conditionally approved, it will usually only take us 60 minutes to assess your application

When will I receive my loan?

In most cases, loan applications submitted during business hours will be assessed within 60-minutes. If you apply outside office hours, our team will be looking at it first thing on the next business day! Our aim is to provide fast cash loans to make finance more accessible. When applying, make sure you have these details handy:
– Thorough and accurate information;
– A current contact phone number and email address;
– All requested documentation.

How do loan repayments work?

With Nifty, our repayments work by setting up a direct debit for you. This means your repayments come out of your account automatically, without you having to worry about making them on time. The dates that your direct debits will come out of your account will be outlined in your contract. These will generally be set up to match your pay cycle so that you know you will never have to worry about missing a payment.

What if I can’t make a repayment?

if for some reason you are faced with an unexpected circumstance and you find yourself unable to make a payment, let us know ASAP. The sooner we know that you’re having trouble paying back your loan, the quicker we can find you a solution.

We require at least 24 hours notice to amend your upcoming payments to a more manageable amount.

How can I get a quick cash loan with bad credit?

We’ve provided thousands of Aussies with bad credit loans, which is why we put more focus on your current finances to see how you’re going to repay the loan. If your financial history is sound, then we see no problem approving your loan application. All we need is the last 90-days of bank statements and a Centrelink income statement if you’re receiving benefits. So, if you need bad credit loans, we’re here to help! 

We’re not your average lender, we welcome clients with bad credit, receive Centrelink and people who are self-employed.

Do you do fast cash loans for people on Centrelink?

In most instances, yes. We know that just because you receive Centrelink payments does not mean you are incapable of repaying a loan. As long as you are receiving a routine and reliable weekly or fortnightly payment, our team will assess your application and do their best to match you with a loan that suits your financial situation. While this doesn’t mean you’re guaranteed to get a loan, we can guarantee we will always give you a fair and just assessment.

Do you do quick cash loans for single mothers?

Yes, we can! Provided you meet our basic criteria, we’d be happy to assess an application from yourself and see what we can do for you.