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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 in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Looking for Cash Loans in Sydney but Not Sure Where to Turn? Trust Nifty for the Job

Have you been searching for the right lender to help you out with cash loans in Sydney but the amount of options is just overwhelming? It can be hard to know who to turn to when you’re faced with so many options and choices. Finding the right lender can be a long process, but with Nifty, you can trust that you’re in good hands. Nifty can give you that helping hand you’ve been looking for to get the cash that you need.

Regardless of what kind of small loan you’ve been looking for, Nifty can help. So whether you’re looking for a renovation loan or a car registration loan – we’ve got you covered. Sounds too good to be true? Read on to see how easy it is.

Cash Loans Sydney

What are cash loans Sydney?

In a nutshell, cash loans Sydney are small personal loans designed to give you that helping hand when you need it. Ranging from $300 to $5000, our quick cash loans can be used for a number of reasons. We know that when the unexpected strikes, you need cash fast. With this in mind, we developed a loan product that is fast, easy and convenient. You can apply for an easy loan at any time, from anywhere, just as long as you have an internet connection.

Who can apply for cash loans Sydney?

Are you sitting there wondering who’s eligible to apply for cash loans Sydney? You’re in luck! Nifty’s eligibility criteria is pretty straightforward, so if you like what you’re hearing so far, read on to see if you can apply. If you can answer ‘yes’ to the following, then you are more than welcome to scroll up and click that ‘Apply’ button and submit your application. To apply: 

  • You must be at least 18-years of age;
  • You must have a regular income for at least the last 3-months being deposited into a personal bank account;
  • You must have an active Australian phone number and email address;
  • You must be an Australian citizen or permanent resident; 
  • You must have internet banking set up.

If you answered ‘yes’ to all of our simple application prerequisites, don’t hesitate, apply now and you could get an outcome in as little as 60 minutes!

What can cash loans Sydney be used for?

The beauty of cash loans Sydney is that they can be used for a number of different reasons. From moving costs and holiday deposits to car insurance or bond money, Nifty has a loan for you. But that’s not all. Need a loan for something we haven’t listed here? We have you covered! Looking for a quick emergency loan due to an unexpected bill? We can help! Simply take a look at our small personal loans, unsecured loans or even bad credit loans and let’s see how we can help you out.

We know that life doesn’t always play fair. Sometimes you can be surprised with unexpected expenses and bills that you just don’t have the cash for. That’s where Nifty comes in. We’re experts at helping you out when you need us most.<

Things to do in Sydney

There’s no doubt about it that Sydney is one of the best cities in the world. Next time you’re stuck for things to do or where to take your next long weekend away, why not consider staying local and not only supporting local businesses but learning a little more about this amazing city we live in. Need a little inspiration for things to do in your backyard? Read on!

Visit the Sydney Opera House

When one thinks of Sydney, the first thing to come to mind is usually the Opera House, and for good reason! The Sydney Opera House is a masterpiece of architecture and engineering and there’s a good reason that it receives millions of visitors a year. Located on Sydney Harbour, the venue features world-class performances of ballet, opera, theatre, contemporary dance, classical and modern music and so much more. Why not treat yourself and family and have a night out at the Opera House.

Visit Bondi Beach

Bondi Beach is famous all over the world and we’re lucky enough to have it right on our doorstep. Featuring soft white sands, sandstone cliffs and crashing waves, Bondi is a beautiful seaside suburb to please any beach enthusiast out there. Throw in the fact that it also features some spectacular seaside walks and the quintessential laid-back beach lifestyle, Bondi is a great way to spend a day or even a long weekend relaxing.

Take in the culture

Sydney is a hub of culture and creativity featuring a rich, multicultural heritage that can be seen in its artistic and exciting arts scene. If you’re a bit of a culture buff, why not spend the day exploring some of Sydney’s many galleries, theatres and museums? Be sure to include Vivid Sydney and the Sydney Festival in your calendar as must-see events.

No matter what your interests are and what you feel like doing, Sydney has something for everyone. Rather than jetting off for that long weekend, why not consider spending some time exploring in our beautiful city? And remember, Nifty’s here to help out with cash loans Sydney if you ever need a helping hand.

Can I apply if I receive Centrelink payments?

Yes, you sure can! We have been able to successfully help many of our clients who receive Centrelink benefits. So long as you can show that you have been receiving Centrelink benefits into your bank account at regular intervals for at least 3 months, then we would love to receive an application from you. We cannot guarantee approval for cash loans Sydney, however, we accept all applications and give everyone the fair go they deserve. 

Will my bad credit affect my application?

Here at Nifty, we do conduct credit checks. However, we’re also firm believers that everyone deserves a fair go. Circumstances change and something that happened years ago may no longer even be applicable. Taking this into consideration, we keep an open mind when looking at credit scores and bad credit history.

Credit scores are important, however, we also know that they’re not the only aspect of your application. To get the bigger picture, we look at your employment status, relationship with money, and your income to get a clearer picture of whether or not you have the means to successfully repay your loan.

So, don’t let the prospect of a credit check scare you off applying for cash loans Sydney. We will take your entire application into consideration, not just your credit score. As responsible lenders, we believe that everyone should receive a thorough and accurate assessment of their application, and consider all possible information before making any decisions.

Sound good? Rather than counting yourself before you’ve applied, why not give nifty a go? You’ll be surprised at what we could do for you! 

Will my employer be contacted?

As part of our in-house assessment process, we may need to contact your employer to verify your employment status. This doesn’t always happen but when it does it’s because we need to request further information. Don’t let this put you off though. Our specially trained team are well trained, discreet and will never disclose the reason for the employment check, nor will they give out any private information. This employment check is simply a part of our procedures that we may need to conduct. Rest assured that we will never disclose to your employer the reason for the employment check.

Responsible lending is our thing

We all know the mental picture one conjures up when they hear about small lenders and finance. The loan shark creeping about a back alley is an image we are working hard to remove. Here at Nifty, we take responsible lending seriously and we will always put our clients’ financial health first. It’s that simple.

Nifty will only approve cash loans Sydney if we believe that the recipient can comfortably afford the repayments. We are here to help you financially, not make you worse off. This is our commitment to responsible lending and to you, our valued client. 

We also believe in transparency. We won’t hide any fees or charges from you and as such we always want you to be well informed, before signing your contract. We will always encourage you to thoroughly read your contract before signing and if you have any questions or concerns, to get in touch with us. We’re here to help and ensure that you’re happy with the loan product you are applying for.

How do I apply for cash loans Sydney?

We’ve made sure that our application process is as easy as can be. We know you don’t have the time to be sitting on your phone or at your computer spending hours on an overly complicated application process. Who has time for that these days? Not us that’s for sure! We’ve designed a 100% online, paperless application that should only take you a few minutes. Yes, you read that right! In just minutes you could be kicking back while we get to work on your assessment. Want to know just how easy it actually is? Read on.

Submit your application online

To begin your application simply scroll up to the top of this page and use our loan calculator to tell us how much you’d like to borrow and the repayment period. When you’re happy  click on the ‘Apply Now’ button to get your application off to a flying start.

Fill in your loan application form

Next, provide us with a few details such as your name, D.O.B, employment status and also your reason for loan. When you’re done hit ‘Submit’. This process should only take you a few minutes.

We assess your application

You’re all done and now it’s all up to our team of assessment specialists to get to work on your application. Our team will conduct a thorough assessment of your application, and depending on when you applied, you could have your outcome in as little as 60-minutes*.

If you applied outside of our business hours (AEST) don’t panic too much, we’ll get back to you first thing next business day.

Review your cash loans Sydney agreement

If your application for a loan has been successful, we’ll SMS you and email you through your loan contract for you to review and e-sign. We encourage everyone to thoroughly review their contracts and to take note of some important details such as your repayments dates and amounts as well as any fees or charges that could incur if you have a missed or failed payment. Once you’re happy with your contract simply e-sign it for us and send it back. It’s that simple!

You get your cash

Once we receive your signed contract we transfer your cash straight into your bank account. Depending on who you bank with, you could have your cash in your account in as little as 60-seconds (for NPP enabled bank accounts)! Otherwise, you should see your cash in your account within the next few hours, or at the very latest, overnight. If that isn’t Nifty we don’t know what is.

What kind of loans does Nifty offer?

Loan typeLoan amountLoan term
Unsecured$300 to $2,0006 to 9 months
Secured$2,001 to $4,6009 to 24 months
Secured$5,0009 to 24 months

What information do you need from me?

We need a few vital pieces of information when you submit your application so that we can ensure we properly assess your application for a quick cash loan. By having the following information handy, your application will be speedy and pain-free:

  • Your personal details – name, D.O.B, address, phone number;
  • Your reason for applying for cash loans Sydney;
  • Your internet banking details – so that we can secure a read-only copy of your recent bank statements;
  • Your MyGov login details (only applicable if you receive Centrelink or Government benefits);
  • Proof that you’re an Australian citizen or permanent resident;
  • Employment details and their contact information (we may need to get in touch if we need to verify your employment status).

Sound good? Apply now!

Who knew that applying for cash loans Sydney could be so easy? Here at Nifty, we specialise in easy, speedy loans with quick, pain-free assessments. Rest easy knowing that we always strive to provide the very best in responsible lending practices and are always willing to help and go that extra mile for our customers.

Apply for quick cash loans Sydney today and your funds could be in your account in as little as 60-minutes. Don’t let life’s little surprises get you down. Apply for a small personal loan today and see just how Nifty can help you out. Scroll up and apply now!

If you have any questions about our procedures, want to check up on the status of an application you submitted or want to clarify any part of your contract or repayments, please don’t hesitate to give us a quick call on 1300 471 328.

 

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

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)
EEstablishment 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)
EEstablishment 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
EEstablishment 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.