Fast Cash Loans | $300 to $5,000 | Easy Online Application | Apply Now!

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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*

Nifty’s Fast Cash Loans

A simple way to apply for fast cash loans

Looking for reliable fast cash loans in Australia? How fast can you get a loan in Australia? In today’s world, everything is faster, more convenient and online. We don’t think personal loans should be any different. Submitting an application for fast cash loans with Nifty could take just minutes. It’s super simple and hassle-free! But the best part? Our Nifty assessment specialists could provide you with outcomes in 60 minutes*! Pretty good huh? There’s more… If you’re approved for a loan you could get your cash in as little as 60 seconds**. PS Are you expecting a baby?

Fast cash loans

What are fast cash loans? 

Fast cash loans are essentially personal loans that you can access quickly! At Nifty, we provide 100% online personal loans from $300 to $5,000 that can be used for a wide range of different purposes. As long as you have an internet connection and a device such as a smartphone, tablet or computer, you could apply for our personal loans, anytime, anywhere. We’re proud to be Australia wide, giving everyday Aussies the fair go they deserve at applying for fast cash loans. 

Don’t wait for cash! 

The fact that personal loans can be used for a huge range of purposes means they’re extremely popular in Australia. The problem is, most people associate applying for a loan, with mountains of paperwork, trips to the banks and agonising waits. Nifty is here to change that perception! Unlike traditional lenders, Nifty can provide quick, hassle-free cash loans. We understand that when you need cash, you most likely need it quickly! 

Traditional lenders and banks are well known for their rigid terms and conditions that contribute to prolonged verification and loan applications. Such stringent and manual assessment of eligibility, credit history and other parameters takes time and the loan processing turns out to be a lengthy process. Essentially, it’s very hard to get quick cash applying with one of these lenders. Nifty, however, cuts out the fat and gets straight to the point. We aim to give you an outcome on your loan in as little as 60-minutes*! 

What you need to look for when applying for a loan

In order to access fast cash loans in Australia, you need to pay attention to a few but important points.

  • Apply at a lender only when you meet its eligibility criteria. If you make a loan request without looking into the requirements properly, there is the chance that you are not submitting all the required information. As a result, your application will undergo more scrutiny and communications delaying the loan approval. 
  • Work out how much you can afford and consider the repayments.
  • Submit all required documents and information with clarity to help lenders process your loan without a second thought. 
  • Find the most suitable lender for your specific condition for a quick cash loan.

Does Nifty offer secured loans?

There are two types of personal loans you can apply for with Nifty: secured and unsecured personal loans. What does this mean? Essentially an unsecured loan is a smaller loan that doesn’t require you to attach an asset such as a car, motorbike or boat for security. A secured loan, on the other hand, is a personal loan that does require you to attach an asset. If you fail to make payments, your lender Typically will repossess your vehicle. This, however, is only done as a last resort.  You can borrow more with a secured loan because it is less risky for the lender.

Here is an overview of the types of loan Nifty can offer: 

Loan TypeLoan AmountLoan Term
Unsecured$300 to $2,0006 to 9 months
Can be Secured$2,001 to $4,6009 to 24 months
Secured$5,0009 to 24 months

What Sets Nifty Apart 

Nifty has earned the reputation as the online lender more Aussies are turning to for fast cash loans. We’re committed to providing a seamless online process that applicants can breeze through without any added stress. We won’t waste your time when you apply with us. 

Gone are the days of waiting hours in line at the bank or weeks for an outcome only to be rejected. When you apply with Nifty, you could get an outcome in as little as 60 minutes*! Our team understands that when you need cash, you need it fast! The best part is you can apply for our personal loans 100% online whenever and wherever. 

Who can apply for fast cash loans? 

At Nifty, we won’t make you jump through hoops to apply for fast cash loans. We have a set of simple criteria you need to meet before you can apply. So if you can comfortably tick the following boxes, you eligible to apply:

  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90 days into a personal bank account;
  • Applicants must have an active mobile phone number and email address that we can contact you on; 
  • Use internet banking.

What documents will I need?

When you submit an application with Nifty Loans we won’t ask to provide paper bank statements. Our team cut straight to the chase. We won’t ask you to print out a mountain of paperwork. We’ll only need necessities. The following documents are what you’ll need to submit an application online.

  • Personal details like your online banking & employment info; 
  • An active email address and mobile number;
  • The reason you are applying for the loan; 
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer and contact details.

Can I get fast cash loans for bad credit?

Are you worried that bad credit could stand in your way of accessing personal finance? You don’t have to! At Nifty, we like to take a fresh approach to online lending. Our team doesn’t think that a mistake you made up to 7 years ago should have an effect on your ability to get a loan today. This means we can look past your bad credit score when you apply with us. We’ll do our best to match you with a suitable loan product for your individual financial circumstances.

Although we will conduct a credit check, our assessing team will look more at factors such as your spending habits, pre-existing financial commitments and overall relationship with money to determine if you can comfortably afford the repayments on fast cash loan. So if you’re looking for bad credit loans, think Nifty!

Will you check my credit score?

Yes, in most cases our team will conduct a credit score check when you apply for a personal loan. Our team is committed to responsible lending. That means we will do our very best to provide you with a suitable loan product even if you have less than perfect credit. However, our team will not base their assessment entirely on the result of a credit check. If you have any questions regarding our assessment process, you can head to our FAQ page or get in touch with our friendly customer service team.

Can I apply if I receive Centrelink?

The short answer is yes! We can provide loans to people who receive Centrelink benefits. We can accept benefits as a regular source of income for borrowers. However, as a responsible lender, we can’t just lend to anyone and everyone. The following are conditions for Centrelink recipients applying for fast cash loans:

  • You must be receiving Centrelink benefits consistently for the past 90 days. Anyone receiving them less than 3 months or temporarily may not qualify for Nifty fast cash loans. 
  • You need to provide your MyGov details to the lender. The objective behind asking for it is to directly check and confirm your Centrelink credentials without having to wait for verification through a third party. This helps clear formalities quickly and grant fast cash loans in a few hours.
  • You do not qualify for personal loans on temporary Centrelink payments, including Youth Allowance and Newstart benefits.  

How to apply for fast cash loans

Applying for fast cash loans with Nifty is super easy. We just have a few hassle-free steps before you can have the cash in your account.

Step 1: Apply online

To begin, scroll up to the top of this page to find our loan calculator. using the slider, choose the amount you’d like to borrow and the repayment term. Then simply click ‘Apply.’ 

Step 2: Fill out the application 

You’ll then be taken to our 100% online application form. This step will usually only take minutes to complete. If at any stage you’re confused or you need assistance, please don’t hesitate to contact us. We won’t be able to accept applications over the phone but we’re more than happy to help you out when needed. When you’re finished the form, click ‘Submit.’

Step 3: We’ll assess you

Once you’ve submitted your application form, you can sit back and relax while we assess your application. Our team will look at your financial situation from all angles and assess your current relationship with money to determine if fast cash loans are suitable and affordable to you. If we need any further information from you, we will be in touch. Otherwise, you’ll get an outcome from us shortly. 

Step 4: Sign your contract

If you’re approved for a loan, congratulations and welcome to the Nifty family! We will then send you a digital copy of your loan contract for you to review and sign. We thoroughly suggest you read of this carefully and make yourself aware of any fees and charges for late or missed payments. When you’re happy simply just electronically sign it and we’ll receive it back.

Step 5: Get your cash

Once we’ve received your signed contract, a member of our team will transfer your funds directly to your account. If your bank allows NPP transactions then you could get your cash in as little as 60-seconds. Nifty huh?

*If you apply during regular AEST business hours

**Subject to NPP enabled bank accounts

 

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.