Quick Money Loans from $300 - $5,000 at Nifty Loans. Apply Now!

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.

Quick Money Loans When You Need Money Now

Are you frantically googling ‘quick money loans near me?’ We’re the Aussie lender that can loan money quick. Has an unexpected expense popped up that you’re not prepared for? Has the payment date for your car rego crept up on you or are you looking to escape for a little weekend away? You could have the cash you need today!

quick money loans

What do easy quick money loans look like?

Quick money loans look like this: Apply in minutes, receive a smart decision within the hour** and have the cash straight to your bank in 60 seconds*. It’s possible with Nifty. We’re committed to giving every Aussie a fair go at applying for the fast money loans they need. Whatever the reason, our application is always a click or tap away!

What if i’m looking to get an instant loan online?

At Nifty, we don’t claim to offer instant loans, but you can apply for a quick money loan that can seem next to instant! We offer fast decisions in 60 minutes** up to $5,000. The repayment period will depend on the amount you decide to borrow. It might not be instant, but it will feel like it! We adhere to responsible lending policies, so we cannot guarantee approval without conducting an assessment, but we do guarantee a fair assessment!

Looking for the best quick money loans?

There are plenty of quick money lenders out there, so what makes the ‘best quick money loans online’ the best? When you are trying to decide what is the best personal loan for you, you should consider a number of different things. For example, fees and charges, the comparison rate, assessment and transfer times, ease of application, payout fees and if security is required. If you are ever unsure, you can also contact and independent legal or financial adviser.

Why you should consider Nifty Loans

We think it’s our seamless application process, smart decision making and ability to have money in your bank account and ready to use in 60 seconds*. You can complete a Nifty application in just a few minutes. We use secure banking technology to access the information we need electronically, so you don’t have to submit physical paperwork. Say no to stacks of paperwork and apply for no paperwork loans now!

We are 100% online, and you can submit your application from almost any device. So, if expenses pile up, apply for smart loans fast by submitting an application straight from your smartphone or tablet! To begin your quick easy loans application, use our loan calculator located at the top of this page. The quick finance loans you need could be a click away!

Our assessment team aims to have your application assessed within 60 minutes (during business hours), however, sometimes it may take longer. If you haven’t received an outcome within this time frame, we may just require extra documentation so keep an eye on your email account and text messages.

Who is eligible to apply for a quick cash loan with Nifty?

Before you apply, check out the following criteria below to see if you’re eligible. To qualify for money loans Australia, you must:

  • Be at least 18-years old;
  • Be receiving a regular income into a personal bank account for at least the last 90 days;
  • Have an active mobile number and email address;
  • Be an Australian citizen or permanent resident.

If you meet these requirements, then you can apply for a smart money loan. Scroll to the top of this page and use our loan calculator to get started now. Apply in minutes and get fast loans paid today.

Will Nifty do a credit checks on my loan application?

As responsible lenders, we do conduct credit checks on all of our loans. Don’t let this deter you from submitting an application though! We can provide quick cash loans for bad credit. Our team look at more than just a number when they assess your application. Every Aussies deserve a fair go, so we assess your current relationship with money, including your income and expenses to see whether you’re suitable for a money loan.

Our team conducts a more thorough analysis of your financial situation by looking at other criteria as well. We take your current relationship with your finances into consideration and look at how you’re currently handling your money. We do this by looking at your most recent bank statements, instead of just a number. So if you’re googling ‘money loans for bad credit’ then Nifty is the lender that gives you the fair go you need.

Can I apply for a loan if I receive Centrelink?

Yes, you sure can! We are more than happy to accept regular and ongoing Centrelink benefits as a form of income. We welcome every Aussie looking to borrow with ease to apply with Nifty, no matter whether you receive Centrelink benefits or a pension. So, if you’re regularly receiving Centrelink benefits into a personal bank account, you can apply with Nifty Loans, and we’ll do our best to help.

What fees are involved in quick money loans?

You’ll find every cost associated with your loan clearly outlined in the contract. We believe in being 100% transparent when it comes to all costs and fees. The most important fee to watch out for is the missed repayment fee. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our friendly customer service team a call or send us an email. We’re happy to answer any questions you may have.

What types of quick money loans do we provide?

We offer flexible, quick money loan options to suit individual situations. We provide small unsecured loans for little expenses that pile up and larger secured loans for a holiday perhaps or debt consolidation.

Before you apply you can see which loan option would suit you best:

Type of loanLoan amountLoan term
unsecured$300 to $2,0006 to 9 months
Secured$2,000 to $4,6009 to 24 months
Secured$5,0009 to 24 months

Just remember, that if you’re interested in applying for one of our larger short term loans no paperwork loans of $2,100 – $5,000, you can provide a vehicle that we can use as security.

Have any more questions? The Australian Government website, MoneySmart, may have the answers you are looking for.

How fast are quick money loans processed at Nifty Loans?

We make it super easy and fast for you to submit an application, so we can get straight to assessing your loan. Once you have completed your quick easy money loans application online, it will come straight through to the assessment team. Our team aims to deliver a fast outcome of your application within 60 minutes**. Don’t panic if it takes a little longer than 60-minutes as we may just require some additional information or documentation from you.

How do I repay my loan if I am approved?

Easy application, quick approval process and fast cash – what’s left? Simple repayments. We set up your repayments to be automatically direct debited from your account. We also give you the flexibility to choose your repayment day, so if you wish to align it with your payday, you can.

No need to set reminders to make repayments, just have the funds in your account on the repayment due date. Once your loan has been successfully repaid your direct debit repayments will automatically stop. Isn’t that Nifty?

Can I make extra repayments or pay my loan off early?

Yes, you certainly can! Unlike some other traditional lenders, we don’t charge early payout fees. Another perk of paying off your loan early is that you may save on some of your monthly fees, so in the end, it could be cheaper for you.

So if you decide to pay extra towards your loan or pay your loan off early, that’s great! We’re here to help you out, not hit you with a bunch of extra fees that will cause your loan to drag on!

What happens if I can’t make my repayments?

Nifty Loans is here to help you from the beginning to the end of your loan journey. If an unexpected event or circumstance pops up that could affect your ability to make your loan repayments, give us a call as soon as possible.

We understand that these things happen and more often than not, they’re outside of your control. Sometimes these things can affect your ability to make your repayments. If this happens to you, the best thing to do is to get in touch with us as soon as possible. The more warning we have that you need to amend your repayments, the more likely it is that we will be able to help you out. With at least 1 – 2 business days warning we may be able to adjust your direct debit repayments for you.

Our customer service team are here to help out any way they can, and they’re incredibly understanding of the fact that situations arise that are out of a client’s control. After all, we’re human, too, and we know how these unexpected things can happen. So whether you’ve lost your job, you’ve had your hours cut, or an unexpected expense has arisen, give us a call. We’ll help out any way that we can. Our goal is to help you out by providing you with a loan when you need it most.

9 quick ways to make money

If you have a few expenses pile up and you’ve lost some hours at work, you may be googling things like ‘how to make money quick’ or ‘easy ways to make quick money today’. Of course you can always apply with Nifty for a quick money loan, however, there are other ways to earn a few extra bucks on the side. Here are 8 Nifty ways to make money quick:

  1. Become ride-share driver – there is a myriad to choose from!
  2. Freelance work
  3. House sitting
  4. Pet sitting
  5. Rent a spare room
  6. Complete a few online surveys
  7. Do some odd jobs on Airtasker
  8. Dog walking
  9. Babysitting

There are many options for Aussies looking to make a quick buck. And when bills pile up and you need cash quick, Nifty is the lender that has your back.

You can trust Nifty Loans to do the best thing for you

Responsible lending is incredibly important to us. Nifty Loans is 100% compliant with all relevant legislation and laws. We also have our own set of lending criteria that we follow so that we can offer a loan product that is right for you. If we don’t believe that one of our loans is right for you or your financial circumstances, we won’t approve your application. It’s as simple as that.

We’re here to give you a hand up when you need it, not put you in financial difficulties. We always make sure that your repayments are realistic and affordable to your budget. You can be confident that we have your best interests at heart.

Ready to apply?

Great, then use our loan calculator located at the top of this page to begin your quick money loans application. We can assess your situation within the hour** and have the cash in your bank in 60 seconds*. It’s possible with Nifty.

*Only available for NPP enabled bank accounts

**subject to when you submit your application

Get on top of your finances with this Nifty guide

 

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.