Quick Cash Loans | Fast Cash Loans Online - Nifty Loans
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Need a loan quickly?

These days, everyone is looking for a quick and easy online option to tackle their everyday tasks. From finding a home loan to ordering a pizza – people want solutions at their fingertips. This is no different for short-term cash loans.

Fortunately, we’ve done all the hard work for you. So, if you’re someone who needs quick cash, why not let Nifty lend a hand?

Why choose Nifty?

We are one of Australia’s fastest-growing small online lenders. We service online loans up to $10,000 for everyday Aussies – with repayment periods up to 24-months. Our dedicated loan specialists work with hundreds of Aussies each and every day to identify the best loan for their needs.

More importantly, we are a committed, responsible lender. As such, we comply with all the relevant state and federal legislation so you can trust that we will get you the best outcome every time. So, need quick loans now and ready to apply? Keep reading to find out all you need to know!

Documentation you’ll need:
  • Contact information
  • The reason for your loan
  • Internet banking details
  • MyGov account details (if you receive Centrelink benefits)
Eligibility criteria:
  • Be at least 18-years of age;
  • Be an Australian citizen or permanent resident;
  • Have internet banking set up;
  • Have an active mobile number and email address;
  • Have been receiving regular income for the past 90-days.

Ready to apply?

You can apply for up to $10,000
within minutes!

Our Happy Customers

What can I use my quick cash for?

The great thing about quick loans is that they can be used to pay for almost anything you need them for. Whether your car has broken down or you want to spruce up your home, there are many reasons why you might need a quick cash loan.

New fridge or washing machine

White goods are often expensive to buy and aren’t things that you can live without for a very long time. Well, unless you’re excellent with an esky.

Car repairs

Got into a car accident or broken down? If you don’t have comprehensive car insurance, you’ll be left to pay for the damages to your vehicle. If you need funds to get your car back on the road, our quick cash loans are for you.

Renovation costs

Perhaps you’ve decided it’s time to give a room in your house a facelift. A Nifty quick cash loan can be just the thing to turn your renovation desires into a reality and you can worry about paying it off later.

Travel or holiday costs

Been waiting for what feels like forever to travel? A personal loan can help you to achieve the holiday you need and deserve.

Wedding or honeymoon plans

Weddings can be expensive, so if you need help financing your special day, we can assist with that!

Personal Loan Calculator
I want to borrow $5,000
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The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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.

How much quick cash can I borrow from Nifty?

To give you an idea of the costs of our loans, scroll up to use our handy loan repayment calculator. Just use the sliders to select how much you want to borrow as well as the repayment period over which you would like to repay the loan. If you want to find out more about the allowable fees and charges for a short term loan, just visit the Moneysmart website.

If you want more information regarding the fees and charges surrounding your loan, get in contact with our customer support team. They’re more than happy to help with any and all questions you may have.

Frequently asked

What are 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 $2,500 and $10,000 and repay it over a 9-24 month period, depending on the amount. If approved, your funds could be transferred to your bank account instantly**!

Where can I get a quick cash loan?

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!

How does the approval process work?

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!

How can I get an instant loan?

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.

When will I know if my application for my fast loan is approved?

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.
When will I receive my loan?

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!

How can I get a quick cash loan with bad credit?

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 a bad credit loan, we’re here to help!

Do you do quick cash loans for Centrelink customers?

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.

Do you provide quick cash loans no credit check?

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.