Cash Loans

We know what it's like when unexpected bills pop up, or it might be that awful feeling of your favourite band’s tickets going on sale a few days before payday and there's just not enough cash to make it stretch. In 2018, we helped thousands of customers with small loans of, on average, $710 and medium loans of, on average, $3,112.

We know a thing or two about Cash Loans. We also know that today’s world moves quickly - super quickly. The expectation to make things happen easily and at a fast pace is huge - and rightly so. We live in a tech-equipped world, we’re more advanced than ever before, so why expect anything less than speed and agility when it comes to your loan?

The good news is that Nimble meets that expectation and then some. We realised a long time ago that the Cash Loan industry needed to change. People need fast loans with flexibility and personability. And that’s why we’re here - offering short-term finance, not a long-term problem. With loans available online from $300 - $5,000 for when you need a little extra money, our flexible repayments are designed to put you in control. 

What is a Cash Loan?

Simply put, a Cash Loan is an unsecured small personal loan. You can apply for a Nimble loan online with a relatively short repayment period of up to 22 months. 

At Nimble, when you borrow money for a Cash Loan, you have the option to stretch out your repayment schedule with smaller installments that are designed to suit you and your loan needs. But please be aware if you reschedule your repayments after you confirm your loan, additional fees and charges may apply. 

We keep it simple with a stress-free Cash Loan and will only ever lend you what you can comfortably repay. There are no shackles or long term commitments like, for example, with credit cards.

How can I get a cash loan? Despite the old school name, a Cash Loan isn’t really cash. Like most loans, a Cash Loan is paid in your bank account via bank transfer.

Getting a Cash Loan is relatively easy, especially with Nimble. Why? Because we make loans easy, that was our purpose when we first started out all those years ago and we stick by it today. 

Here’s the deal. We knew way back when we started (2005) that the current practice for borrowing Cash Loans was outdated, difficult, and absolutely not for everyone. So we started to make things easier - building our lending platform online and ensuring that our process was easy from start to finish.  You can begin by selecting how much money you want and how long you would like to borrow it for. With our smart technology, you can apply online at any time of the day, from any device. Forget time-consuming paperwork and painful wait times - we pride ourselves on fast funds. 

Once you've gone through our quick application process and we’ve verified the details you've provided, most people will get a decision within minutes. Once approved you may have the money in under an hour (if confirmed before 4.30pm AEST during banking days).*

Nimble Cash Loan Options

The Nimble Small Cash Loan

A Nimble Small Cash Loan can really help when things crop up unexpectedly and you simply need fast cash, without the fuss. For our customers, we know that these things range from car repairs to travel plans and, while the purpose of your loan might change, our ability to get you your funds won’t. 

How much money can I receive with this Cash Loan?

The Nimble Small Cash Loan amounts range from $300 to $2,000 and the loan term is 62 days to four months. The benefits of a small loan like this are pretty great, especially when lending from Nimble, here’s why.

We pride ourselves on speed. Our small Cash Loans, like our Medium Cash Loans, are designed to save you time. We offer fast approval and funds transfer. You could receive your small loan within 60 minutes if your loan is confirmed before 4:30 pm on a banking day*.

We’re experts in the small Cash Loan business.  We’ve been providing them to customers since 2005 and we believe we’re only getting better while our customers get happier. 

Customer care is and has always been our top priority. Our call centre is based in Australia, and we’re always here if you need help with your Nimble Small Cash Loan.

The Nimble Medium Cash Loan

Most people who choose this type of loan usually have bigger expenses to cover. A Nimble Medium Cash Loan works a bit differently to a Nimble Small Loan. If you apply and are approved for Nimble’s Medium Loan, you’ll have access to some different features. 

How much money can I receive with the Nimble Medium Cash Loan?

You’ll have access to a larger loan amount, you can apply for between $2,050 and $5,000.

As you are now borrowing larger amounts with this loan, you’ll have a longer repayment term. Like the small loan, you can select repayments to meet your budget and your needs.

While some things are different, our commitment to customer care stays the same. As with the Small Cash Loan, you’ll have access to your Member Area where you can log in to manage your loan and keep up to date with your repayment plan. 

So now that you know the difference in Cash Loan offerings from Nimble you’ll be better placed to make a decision on what type of loan you need and how long you need it for. Nimble Cash Loans are a great choice to help with your financial needs - we’re a household name for a reason, people have been trusting us for years when they need some help.

To find a list of Cash Loans FAQ's, click here

Compare Nimble Loans

Loan Feature Small Loan Medium Loan

Establishment Fee

20% of loan amount

$400 fee

Loan Amount

$300 - $2,000

$2,050 to $5,000


20% of loan amount + 4% of loan amount each month

Application fee of $400 + 47.6158% p.a.

Comparison rate:** 65.6597% p.a.

Loan Terms

Loan terms 62 days to 3 months

62 days to 22 months


Both Nimble Small and Nimble Medium Loans are offered with fast approval and funds transfer*. You could receive your money within 60 minutes if your loan is confirmed before 4:30 pm on a banking day.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Nimble does not offer loans for $2,500 over a term of 2 years.
Please see our full Fee Statement for fee details. If you reschedule your repayments after you confirm your loan, additional fees and charges may apply.
It’s a good idea to consider how much money you think you’ll need before applying for your loan. This way you can make sure you get what you need and you don’t borrow in excess. There are some other things to consider when applying for your loan, so you know:
  1. Your main source of income must not be Centrelink.
  2. You must be over 18 years and employed.
  3. You must have an active bank account with internet banking.

Instant Cash Loans

When you need cash fast, think Nimble. We offer instant cash loans online, and our whole system is built for speed and convenience. We started our company on the premise that the way Australians borrow money should be as modern and efficient as everything else in the 21st century, and we're still committed to offering some of the best cash loans in Australia.

Online Cash Loans Australia: Get Cash Without Stress

A cash loan gives you access to money quickly when you need an emergency loan for an unexpected expense or problem. The whole idea of an online cash loan is to get you access to smaller amounts of money without all the hassle that would be involved in getting a larger personal loan. And at Nimble, our cash loans are designed to take full advantage of the power of the Internet to provide fast, clear, and simple service.

Nimble Cash Loans Online: Available Australia-Wide

Online cash loans in Australia are perfect for emergencies. Whether you need a car repair loan, the washing machine has died in the middle of a cycle, or your child broke the brackets of their braces (again), a quick loan can cover the expense and take one big stressor off your plate.

You might also use cash loans in Australia for big events like a wedding or holiday. If your close-knit group are taking a once-in-a-lifetime trip to Europe, you don't want to feel regret for the rest of your life looking at pictures of something you couldn't be part of. If you are short of what you need to make your wedding truly the day of your dreams, there's no reason to settle for something less.

There are as many individual reasons to get a fast loan as there are individuals. Use it to make sure no one gets left off your Christmas gift-giving list, or get that hole repaired in the roof before it causes any damage. Use it to pay a vet bill or your own medical bill, or make some repairs around the house before you try to sell.

Determine Your Eligibility for a Nimble Cash Loan

To be eligible for instant cash loans in Australia, you just need to be working, have an active bank account with online banking enabled, be over 18, and not be dependent on Centrelink for more than 50% of your income. Instead of filling out reams of paperwork or setting up a face-to-face meeting at a bank, you simply meet us online so we can look together at your expenses and income.

Deciding How Much to Borrow

At Nimble, we believe part of offering some of the best cash loans online means making the whole process about what works for you. Getting a loan should make your life easier, and that can't happen if we loan you more than you can afford to pay back.

Before you contact us, consider your needs and ask yourself a few questions:

  • Could I cut back this month to cover the expense without cutting into necessities, like food or rent?
  • How much can I reasonably afford in repayments for the next few months?
  • How much do I need to cover the expense and also make sure there's enough for everyday life?

Once you've thought about what you need to borrow, consider a small or medium loan:

The Nimble Small Loan

This loan can get you between $300 and $2,000, and you can pay it back in 62 days or up to three months. When you apply for the loan, all the details about fees are clearly laid out upfront and in terms that normal humans use. If you need, you can call us to change your repayment schedule later, but unless you do that yourself, you can be sure that your repayments and interest rate will always be the same. There are no surprises.

The Nimble Medium Loan

This loan can get you between $2,050 and $5,000, and you get a bit longer to pay this off. You can still pay it off in 62 days if you want, or you can schedule repayment for as long as 22 months. Again, all the fees and terms are easy to see when you apply, and there are no hidden fees or charges to be surprised with later.

The Application Process

The entire application process happens online, as it should, and our state-of-the-art technology keeps all your data secure while we get you a quick answer. In fact, if we can process and confirm the application by 4:30 pm on a banking day, we can usually get your money to you within 60 minutes. Be aware that your own bank may need some time for clearing the payment, but we're committed to making the process as fast as possible.

Instant Approval Loans: Need Cash Today?

We don't want you to worry about remembering the right day to repay. The application process is done entirely online, and repayment should be just as simple and intuitive. When you set up your loan, you choose a repayment schedule. Then we set up direct debits from your bank account. On your chosen dates, the money automatically leaves your account. We'll send you a reminder the day before so you can be sure there are funds in the account: but that's all you have to do.

If you can't cover a payment, call us right away. We're not interested in gouging you, so if you let us know, we can work with you to rearrange things and may be able to help you avoid any dishonour fees from your bank. In interest of being transparent there is a reschedule fee of $15.

At Nimble, we never penalise you for paying your loans off early. In fact, we think it’s something to celebrate. For our payday loans, there's no fee for paying off early. Just call us and we'll explain all your options.

If you're in a bind and need cash right now, contact Nimble and get started with a fast online application that can get you the money you need. Since 2005, we’ve been making it possible for Australians to get the loans they need to cover whatever storms life sends. We just might be able to help you, too.