Quick Cash Loans

Quick cash loans are just that, quick! They are personal loans, big or small. You can apply online for a loan between $500 and $2,000 and repay it over a 12 month period. If approved, your funds could be transferred to your bank account instantly**!

One of the things we are very proud of at Nifty is our super-easy application process. Our loan applications are 100% online and can take only minutes to complete. Compare this to getting a loan in the past, where you had to physically make a loan application with a bank manager. Using our application process couldn’t be easier. All you need is a device that is connected to the internet and you’re good to go!

We’ll look at your bank statements from at least the last 90-days to verify your income and your expenses. This allows us to assess whether you are receiving a regular income and if you will be able to afford the repayments for the amount you applied for.

Once you have submitted your application, the team at Nifty will get to work on assessing it. If you apply during our regular business hours, then you could receive an outcome in as little as 60 minutes*.

If we approve your loan application, we will extend you a loan offer by asking you to sign a loan contract. From here, you can choose to accept or decline the offer, it’s up to you!

Due to our responsible lending practices, Nifty can’t offer instant approval loans. However, we do offer conditional instant approval. While we don’t transfer your funds the instant you apply, that doesn’t mean we’re not fast! So, what is conditional instant approval?

It means that as soon as you submit your loan application, we automatically tell you whether you have been conditionally approved or not. From here we will just need to quickly verify the information you have provided in your application. We’re not in the business of wasting anyone’s time. Therefore, if we’re not able to make you an offer, we’ll let you know as soon as possible. If you apply during our business hours and your application is conditionally approved, it will usually only take us 60-minutes* to assess your application.

In most cases, loan applications submitted during business hours will be assessed within 60-minutes. If you apply outside office hours, our team will be looking at it first thing on the next business day! Our aim is to provide fast cash loans to make finance more accessible. When applying, make sure you have these details handy:

1. Thorough and accurate information;
2. A current contact phone number and email address;
3. All requested documentation.

After you have accepted the loan contract, your funds will go into a queue to be processed. Most of our customers receive the funds in their account within 60-seconds of signing their contract. However, this will depend on whether you have an NPP-enabled bank account (which is 90% of bank accounts). Nonetheless, you will receive your cash fast!

We’ve provided thousands of Aussies with bad credit loans, which is why we put more focus on your current finances to see how you’re going to repay the loan. If your financial history is sound, then we should have little problem approving your loan application. So, if you need bad credit loans, we’re here to help!

We might be able to provide you with a loan if you receive Centrelink benefits. If you meet our affordability assessment, and all of our eligibility criteria, we could provide you with a loan. While this doesn’t mean you’re guaranteed to get a loan, we can guarantee we will always give you a fair and just assessment.

Nifty Loans is a responsible lender. This means that we must make reasonable enquiries to ensure the loan suitability for our customers. In line with this, we may conduct a credit check. However, we are also inclusive lenders. If you have a bad credit history, this doesn’t mean you can’t get a loan from Nifty Loans. We will conduct a financial assessment to ensure you can afford your loan, but we will always give you a fair go.