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Fast Personal Loans

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Looking for Cash Loans Sydney? Read on!

Cash loans Sydney are super Nifty when you need access to cash quickly. The reason they are so convenient is that you can apply for them 100% online and receive the money within 24-hours of applying (provided we have all the information we need). They are incredibly useful when unexpected expenses occur and you need to find a way to pay for them. Speedy loans can be handy in emergencies when you are stuck and pressed for options. Even when you are travelling and something out of the blue occurs, applying with Nifty Loans is always an option.

Sydney cash loans

What exactly are Cash Loans Sydney?

Cash loans Sydney are for Sydney residents and small, short-term personal loans. They are usually amounts of up to $2,000 that have a loan term of up to 9-months. The best part is, seeing they are 100% online, you can apply for them from anywhere! So whether you live in Bankstown, Bondi Beach, Chatswood, Cronulla, Liverpool, Manly, Mosman, Newtown or Parramatta, Nifty has you covered!

What can personal loans be used for?

They can be used to pay for almost anything from travel expenses to car repairs. Some situations where cash loans Sydney may be useful are:

  • When your car has broken down, and a bit of money is needed to be spent on it. Apply for car loans Sydney, and get it working again;
  • To get to a last-minute wedding or event;
  • To pay for a suit or dress for a wedding, or end of year ball.

Where can you find online loans?

Cash loans Sydney can be found online. That means that even if you are in Sydney, you can apply for a loan. It really doesn’t matter where you are (if you are in Australia), you can get access to cash from whatever location. All you need is access to the internet.

Similarly, car loans Sydney can be applied for right here on our website – yep, that’s 100% online, too. No need to leave the house or catch a bus anywhere. Just submit your application and we’ll aim to get an answer to you within 60 minutes if you apply during regular working hours. If not, no problem mate! We’ll get an outcome of your car loans Sydney application the next business day. Easy as!

Please note: Nifty Personal Loans does not offer loans above $5,000. For any application above $5,000 we offer a broker-finding service. Any repayment information is general information and may not reflect the actual cost of an approved loan.

Who can apply for cash loans Sydney?

Virtually anyone can apply with Nifty Loans. You just need to be over the age of 18, an Australian citizen or permanent resident and have been receiving a regular income over the last 90-days into a personal bank account.

Looking for car loans Sydney? No worries! The same criteria will apply. Just remember that if you’re applying for car loans Sydney of $2,100 or more, you will need to have an asset to use as security on the loan. You may want to check with us if your car loans Sydney application can use the car you’re trying to fix or if you’d need to use another asset as security. This could include a boat, bike, caravan or boat.

Remember, if you’re applying for car loans Sydney of $2,100 or more, the asset you use to secure your loan must be in your name. In other words, you must be the owner. You can’t use your car to secure car loans Sydney for someone else, nor can you use someone else’s car to secure your car loans Sydney.

How can you get one?

To apply you simply fill out the online application form on the website. Information requested on the application may include, but is not limited to, your mobile number, email address,  internet bank login details, and My Gov details. The form will also ask you how much you want to borrow and over how long you would like to repay the loan.

What about possible costs?

At Nifty Loans, we offer three types of personal finance; small, medium and large personal loans. At Nifty, we never try to keep our customers in the dark when it comes to the cost of their loan. That’s why all the costs and fees associated with your loan will be laid out for you in your contract. For the time being, you can find a general idea of what a Nifty loan may cost you for the loans types listed below at the bottom of the page.

Small LoansUnsecured$300 – $2,000
Medium LoansSecured$2,100 – $4,600
Large LoansSecured$5,000

Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. If you have any further questions regarding the fees and charges associated with your loan, please get in contact with our team of friendly loan experts. They’re more than happy to walk you through any questions you may have.

How do you make the repayments?

To repay your loan, we set up a direct debit so that your loan repayments come out of your account automatically, this will usually be aligned with your payday. As the customer, you will need to ensure enough money is left in the account, but it’s easy with Nifty. You don’t have to worry about paying bills, the loan should come out of your account without you even having to think about it.

What if you want to pay the loan off early?

If you want to, you can! Some people may find that they would prefer to pay off the remaining amount of the loan, earlier than original loan term. Some lenders may charge you early exit fees. Nifty, however, does not. You can repay the loan earlier if you would like to and this may save you on monthly fees.

What if you are travelling and you need a loan?

Not a problem. You just need to be in Australia to apply. Simply ensure you have access to the internet so you can fill out the application form. To give you an example, say you are visiting Sydney. You might run into an unexpected expense. There may be a problem with your credit card, or perhaps you lose your wallet. How are you supposed to pay for your hotel, or even to get something to eat? What if your flight back home isn’t for a few more days? This is when you could think about turning to a fast money loan to fix your emergency.

So, if you are thinking of travelling to Sydney, or you already have a trip planned, you now know that if an emergency crops up out of the blue, you can have a backup plan. Or, if you need to finalise your plans to take a trip cash loans Sydney can also come in handy.

Must do’s in Sydney

Visit the Sydney Opera house – visiting what is arguably Australia’s most iconic man-made artefact, is a must-do when visiting Sydney. You can arrange a tour guide to take you around and show you the ins and outs of the quintessential structure, which cost around $37 for an Adult ticket but are discounted if you book online. Alternatively, you may want to go to the Opera house to see one of the performances. You can see anything from Comedy shows to contemporary music artists and classical music artists.

Make sure you find out what you could see on visit their website:

Sydney markets – Australia’s biggest city is home to some wonderful eclectic street markets where you can find delicious food products, artistic creations, and some great deals. If you are looking for artsy things like clothing accessories and other trinkets you should visit the Rocks Markets. It happens every Friday from 9am – 3pm, and on Saturday and Sunday 10am – 5pm all year round at Playfair and George Streets. Or if you are looking for a colonial style market visit Paddy’s Market near Chinatown, which has many stalls selling gifts, gadgets and a variety of foods.

Dining out – There may be some great street food places found in Sydney’s Markets, but in Sydney, you can also find some excellent gourmet restaurants. Here is a list of some of the most acclaimed gourmet restaurants:

  • Aria Sydney: Contemporary French/ American cuisine offering panoramic views of the harbour bridge;
  • Automata: they serve a frequently changing 5-course menus, that has a very modern and artistic feel;
  • Bentley Restaurant & Bar: serves modern Australian Cuisine;
  • Pilu at Freshwater: Sardinian-Italian cuisine.

Australian Maritime Museum

If you love history, and the ocean this is the place to visit. The Australian Maritime Museum is Australia centre for maritime artefacts, research and archaeology. They display both permanent and temporary exhibitions that showcase Australia’s history with the ocean including early exploration, immigration, commerce, defence and adventure. Admission costs $32 for an adult ticket.

Sydney zoo

On the darling harbour you can find Sydney’s wildlife zoo, also called Taronga zoo, where you visit up close and personal the animals of Australia’s wildlife. It’s the perfect day out if you are visiting Sydney as a family. An adult is $41.40 and a child is $23.40 if you book online. At the Zoo you can experience up close up animal encounters, shows and talks, walking tours, a tiger trek, squirrel money jungle work plus much more.

Powerhouse Museum

Another great day out if you are visiting Sydney with children. It is located next to the darling harbour and is an iconic venue for science. They often have interesting exhibitions on throughout the year. Some of them include exhibitions about transport, space, experiments among many others.

Sydney Tower Eye

Otherwise known as centre point tower, has been an iconic part of Sydney’s skyline. It has been ranked as one of the safest buildings in the world as it is able to withstand Earthquakes and extreme winds. It the best place to go if you want to get a panoramic view of the whole city. Located in Westfield Sydney, costing $50 for the skywalk tour and view from an observation deck. The best place to buy your tickets is online here

Sports events in Sydney

There are also many sporting events going on in Sydney throughout the year. Sydney’s Olympic Park hosts a range of sports events throughout the year such as the NRL. Some other events include the Derby house race day located in Paramatta, Cricket, golf championships, soccer and volleyball tournaments.

Shopping in Sydney

If you love shopping, Sydney is a great place to do it. There are a few different shopping districts in Sydney that are worth checking out. Some great shopping areas include the Strand Arcade, the Paddington Markets, and the Queen Victoria Building.

Musicals at the state theatre

You can also get some wonderful entertainment, by visiting some of Sydney’s musicals. You can see some excellent musicals at the State theatre which have been running shows since 1929.

Luna Park

Another great iconic attraction is Sydney’s Luna Park. A great attraction to take kids but also adults too. Its located in the heart of the city right along the river. In fact, there is no entry cost, so you can walk into the park for free. Though if you want to go on the rides you can buy an unlimited ride pass- either online or at the park.

Sydney Aquarium

Another great activity to do in Sydney is to visit the SEA LIFE Sydney Aquarium. You can expect to see more than 13,000 sea creatures that the aquarium is home to. The aquarium is made up of different themed sections including the Tropical Bay of Rays, South Coast Shipwreck, the Discovery Rockpool and Shark walk.

Madame Tussauds

Another fun activity to do with the family in Sydney is to visit Madame Tussaud’s Wax Museum. Some of the wax figures on display include Australia stars like Hugh Jackman, Nicole Kidman and Megan Gale.

Cheap or Free things to do in Sydney

Although there are a variety of activities to do that cost money in Sydney there are many free things to do that allow to experience the glories that Sydney offers. Here is a list of some the wonderful things you can do in Sydney that don’t cost any money:

  • Walking trails – Sydney has many nice walking trails like the Bondi to Coogee walk;
  • Bondi beach – why not have a swim in Australia’s most famous beach;
  • Camp cove – visit an intimate and hidden beach instead of busy Bondi;
  • The Gallery of NSW – view the amazing artworks at Sydney, there are no entry fees to go inside;
  • The Botanical gardens – Talk a walk, through Sydney’s beautiful royal botanical gardens;
  • Shelly beach – If you want to see some Australian marine life in its natural habitat, go to Shelly Beach where you can go swimming with some goggles and see plenty of sea creatures;
  • Museum of Contemporary Art – Visit the museum of contemporary art which has free entry;
  • Watch migrating whales from Barrenjoy lighthouse.

To wrap it up…

As you can see there are plenty of exciting things to do and see in Australia’s largest city. There are many sites to see that cost money, though there are stacks to do in Sydney that is completely free! Nevertheless, travelling and sightseeing can quickly add up, so if you find yourself strapped for cash while away, you can always apply with Nifty Loans. This way you will be able to enjoy your holiday stress-free, as you will be assured to know that everything will be covered by quick and easy fast loans.

Not In Sydney? we Offer Loans to people all over Australia. Check out our Tasmania loans.


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Andy Andy


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:
9 - 24 months
Establishment fee:
Monthly Fee:
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Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
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Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
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Loan amounts:
24 Months, (104 weekly repayments)
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Total other fees:
$1,609.44 (reducing interest)
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Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
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N / A *
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Loan amount:
6 Months, (24 weekly repayments
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* 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.