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up to $5,000

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Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

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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.

Are You Looking For Cash Loans Victoria Up To $10,000?

What’s to like about Victoria?

Being Australia’s capital of art, coffee, and culture, Victoria attracts visitors all year round. No matter if you’re after lush forests and remote beaches or prefer fancy art galleries and buzzing metropolis nightlife, Victoria has it all. However, many of these attractions come with a price tag and at Nifty, we know life doesn’t always go to plan. If you’ve been looking for cash loans Victoria to boost your cash flow, you could be in the right place. 

If you need to improve your cash flow quickly, our cash loans Victoria could be the way to go. Our personal loans are quick and easy: Most people submit their online application within a few minutes. We’re 100% online, no paperwork, no opening hours that could get into your way. If you apply during AEST business hours, you could get your outcome within 60-minutes of your application. Learn about centrelink loans here.

Cash Loans Victoria

What are cash loans Victoria?

At Nifty, we offer personal loans for people living in Victoria. If you are wondering how much you can borrow, we provide small, medium, and large loans to boost your finances when you need it. Our loans range from $300 to $10,000, loan terms and interest vary depending on your personal situation. If you are curious about costs and fees, we are completely transparent: General costs and fees are stated online, while your specific offer will be explained in your loan contract. We recommend you read it carefully before you sign anything. 

Victoria: The cultural centre of Australia 

If you love museums, good music, and culinary specialties, Melbourne is the place to be. The cultural capital of Australia is famous for its excellent coffee culture and vibrant art scene. The neighbouring Yarra valley is worth a visit if you enjoy wine and good food, while the Great Ocean Road is perfect for a road trip next to the beach. Whether you’re a visitor or a local, Victoria offers something for everyone. However, struggles with money can easily put a dampener on your excitement. If you’ve been looking for cash loans Victoria to relieve financial pressure or to make a bigger purchase you don’t have the funds for, you’ve come to the right place. At Nifty, we can help with an easy personal loan. 

The Nifty way of lending 

Let’s get to know each other! We are Nifty Loans, maybe the best lending service you will ever come across. We really live up to our name. Our loans are absolutely stress-free and hardly take any time. It is our mission to provide excellent lending services to our customers, every single time. 

We hate paperwork as much as you do. Our application is 100% online and can be ready to submit within a few minutes only. If you submit your application during our business hours, you may receive your outcome within 60-minutes after applying. Our online process is made to fit your lifestyle. You can apply from anywhere at any time. We don’t care if you are on your way to a fine restaurant for a wine tasting with your friends or chilling at the beach after a surf, apply on your terms. 

What loans can I get?

We offer two options: Secured and unsecured loans. Unsecured loans are often small personal loans and don’t require you to attach equity to your application. They are easy to get and perfect if you don’t own a car or motorbike to use as security. In contrast, secured loans require you to provide security against your application. We accept many vehicles like cars, motorbikes, or caravans. What’s the benefit? We may be able to offer you a better interest rate or a higher loan amount if you apply for a secured loan. 

Small Personal Loans

This loan type is perfect for small purchases or bills. Small personal loans range from $300 to $2,000 and can be repaid over 6 to 12 months. They are unsecured loans, so you won’t be asked to attach a vehicle as equity to your application. 

Medium Loans

Nifty medium loans range from $2,100 to $4,600. You can choose repayment terms between 9 and 24 months. Like small loans, medium loans can be unsecured loans and don’t require security against your application. However, in some cases, it may be sensible to do so but we are happy to advise you on that. 

Large Personal Loans

Large loans can be given for up to $10,000. They have the same repayment period as medium loans, 9 to 24 months, depending on your preference. Unlike the other options, security is mandatory for this type of loan. 

If you feel unsure what loan term to choose, head to the top of this page and play around with our loan calculator. It helps you work out how repayment terms may affect your interest. 

Who is eligible for a personal loan?

We want to make it easy: You will find that most people are eligible for a loan with Nifty. And you could get your outcome in 60-minutes* anyway, so we won’t waste your time. However, we still require a few things before you apply: 

  • You are at least 18 years old;
  • Have Australian citizenship or be a permanent resident;
  • Provide an online banking account with a payment history of at least 3 months; 
  • You have a mobile number and email address, so we can contact you. 

If that applies to you, your access to cash loans Victoria is right in front of you. Hit us up if you have any additional questions about your eligibility. You can contact our customer service team on our contact page. They can give you peace of mind if you are unsure if you are eligible. 

How does the application work?

Are you ready to go Nifty? Because we are! Our application is so easy, it will only take a few minutes for you to get started. Get your personal details ready and get excited to hear from us very soon. If you apply during AEST business hours, you could know your outcome within the next 60-minutes. Otherwise, we will get back to you first thing in the morning. 

Step one: Apply online. 

If you want to get started straight away, head to the top of this page. You can use the loan calculator to play around with repayment terms or directly choose the loan amount, loan term, and preferred repayment interval. Once that is looking good to you, click “Apply Now”. This will get you to the full application and we will take you through the next steps. It won’t take too long, a few minutes, a few clicks, and you are done. 

Step two: We assess your application. 

Work time! Our team will get busy and assess your application as quickly as possible. Thanks to modern technology, we can assess your spending habits from all angles to ensure a loan is a good option for you. We believe in responsible lending, that’s why we won’t lend you money if we think you would struggle to pay it back. 

Step three: Read and sign your agreement!  

Once we get a green light for your application, we will let you know straight away. In most cases, people receive their outcome within 60-minutes of applying (if submitted during AEST business hours). We will be in touch if we have any further questions or need additional information, otherwise, you will simply get your outcome. If your application got accepted, we will send your loan contract over for you to read carefully. When you’re happy, simply e-sign the contract.

Step four: Get you cash

Once we’ve received the signed version of your contract, a member of our team will transfer the money straight to you. In most cases, people have the money in their account and ready to use in under 60-seconds**! 

Do you offer cash loans Victoria for people who receive a pension?

We surely do.

At Nifty, we made it our mission to make finance accessible to anyone. We know receiving a small pension can make it harder to get accepted for a loan. Not with us. If you meet our requirements, you’re welcome to apply for a loan with us. We offer car loans for pensioners and personal loans for pensioners. Whatever you need, we’ve got your back. If you need a vehicle to improve your mobility or have to pay for a big unexpected bill, a Nifty loan may provide short-term relief for your financial pressure. 

How about cash loans Victoria for people on Centrelink?

Yes, we do!

Receiving Government benefits can make it tricky to get a loan application approved by traditional lenders. But Nifty is different. If you receive Centrelink payments, we know you have cash flow coming in, just like any other income. That’s how we will treat it, too. So don’t worry if you’re receiving Centrelink benefits, you may still be able to get a personal loan with us if you meet our eligibility criteria otherwise. 

I’ve got bad credit, what can I do?

We know, mistakes happen and life doesn’t always go to plan. You may end up with bad credit from up to 7 years ago. That’s a long time and your relationship may have changed completely since then. While we do perform a credit check, it’s not all we look at. We assess your financial situation thoroughly before making a decision about suitability and affordability. So don’t worry, we look at many other factors, too, and we may still be able to offer you a personal loan despite your credit rating. 

How fast can I get cash from Nifty?

We know, time can be a pressing matter when applying for a loan. With life moving on fast these days, we won’t make you wait. Nifty loans will be in your bank account in no time. If you apply during AEST business hours, you could receive an outcome within 60 minutes. It may take a little longer if we require additional documents or if you apply outside of our business hours. Once we receive your signed loan contract back, we will send you the cash as soon as possible. If you are with a bank that has NPP enabled, you will see your new balance within 60-seconds, otherwise, it depends on your banking provider. 

How do I repay cash loans Victoria?

Luckily, it’s super easy. We help you set up a frequency and a date for repayments. Once that is set, it will be debited from your bank account automatically and you can forget about it until we are even. If you need to make changes at any time during the lifespan of your credit, our customer service team is only a call away. 

What if I miss a payment?

We know your financial situation could change unexpectedly and it’s good to know what happens in a worst-case-scenario. All costs and fees regarding missed payments are stated in your loan contract. You should get in touch with us as soon as you know and discuss your options. We may be able to find a solution that works for both sides. Otherwise, a penalty fee will be charged. 

What am I allowed to do with my loan?

When submitting your application, we will ask for the purpose of your personal loan. You should know what you want to use it for in advance to make it easier for us to assess suitability. 

Get married. A wedding or any other big personal event is pricey but you don’t want to compromise on your big day, right? A personal loan could boost your finances and make your dreams come true. 
Get your car fixed. Owning a car can come with unexpected expenses and car repairs can get pricey very quickly. You shouldn’t have to compromise on safety. So get back on the road with a Nifty loan. 
Move to your dream destination.Moving comes with a tail of big expenses: Transportation, potential damage to your old property, new furniture and a rental bond. If you are relocating to Victoria or ready to move within the state, Nifty can help you cover your expenses and repay them at your own pace. 
Pay for unexpected bills.Sometimes a big bill hits you and messes with your budget. A personal loan can provide short-term relief of financial pressure when you need it the most. No matter if medical bills, a visit to the vet or a broken fridge, we are here to help. 

Are you ready to apply?

What are you waiting for? If you feel like we left any questions open about cash loans Victoria, we are happy to help! Otherwise, submit your application today and get your outcome within 60-minutes during AEST hours*! Isn’t that Nifty?

*If you apply during business hours and we don’t require any additional information from you

**If your bank supports NPP transactions

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.