Nimble Payday Loan

A short-term personal loan designed to cover expenses until your next payday, with flexible repayment schedules you choose.

Absolutely, choose a date that aligns with your pay cycle.

Yes, and we don’t charge early repayment fees.

No paperwork needed. Just a few quick details and bank info we’ll take care of the rest.

Nimble Payday Loans

When you think about payday loans in Australia, do you envision back alleys and dodgy storefronts, with gangsters coming after you for a late payment and loan sharks hitting you with hidden fees? You're not the only one with that vision, but the reality of payday loans online with Nimble is completely different. Since 2005, we've been focused on offering some of the best payday loans in Australia, and our growth is a true, homegrown Aussie success story.

Payday Loans Australia: The Nimble Difference

We think getting quick approval for payday loans should be the norm, not the exception. We think payday loans for anyone who needs it should be straightforward, fair, and fast.

Clear Terms

You always know what you're getting with Nimble. All our fees and terms are laid out clearly in language that normal people use. Once you have your loan, you can be sure the terms will never change unless you choose to change them yourself. If you ever have a problem, question, or concern, it's easy to reach us by phone or online.

A Fast Process

When you decide you need the kind of payday loans direct lenders like Nimble can offer, getting online and applying is simple. You simply connect with us online from your own computer and device, and we take a look at your regular income and expenses. We can tell quickly whether we can get you a loan and how much, and if we're able to process the application by 4:30 pm on a banking day, you can usually get your money within 60 minutes.

Instant Payday Loans Online in Australia

Some of the concerns people have about the term "payday loan" come from the word "payday" itself. In the old days, these loans were basically an advance on a person's next paycheck, and the whole loan would have to be paid off, plus interest, as soon as the next month's paycheck came through.

That's not the way we do things at Nimble. A "payday" loan is simply a quick cash loan online. You don't have to repay the whole thing on your next payday, and you choose which day of the month your repayments are processed. With Nimble fast loans, you can pay back the loan between 13 weeks and 39 weeks depending on the loan amount for a small loan and between 7 months to 15 months for a personal loan. You choose the schedule when you apply.

Choosing Your Loan

For all our quick loans, you're eligible to apply if you're employed, have an active bank account with online banking, and are over 18.

How Much Do You Need?

Before you apply for any loan, it pays to sit down and figure out exactly what you need. You don't want to miss something and borrow too little, but you also don't want to overestimate what you need and pay interest when you don't have to. If you need an emergency loan, for example, here are some questions to ask yourself:

• How much income do I have coming in from all sources?

• What exactly are my non-negotiable expenses, like rent and food?

• After I use any spare income and savings, how much is the shortfall?

• How much can I afford in repayments?

Small Loans

The Nimble Small Loan is a great option for those unexpected debts like a vet or dental bill, car repairs, or a temporary uptick in regular expenses. The small loan can be anywhere from $500 to $2,000, with an establishment fee of 20% of the loan amount.

Personal Loans

The Nimble Personal Loan is for those larger needs like a wedding, larger medical bills to cover, or when you need a new roof. These loans are from $2,050 to $5,000.

Getting Approved

In most cases, we can get your money to you within 60 minutes of confirming your application when it's all finished before 4:30 pm on a banking day. If you apply outside of business hours, we'll always get back to you as fast as possible: the next business day, in most cases. We're responsible lenders at Nimble, and our job is to make things easier for you, not harder! That means we'll only loan you what it's clear you can afford to pay back. It also means that while we will run a credit check, it's not the only criteria we consider, and we take the time to understand why your credit is the way it is.

Setting Up Repayment

When you choose your loan and apply, you select repayment amounts that fit your budget and choose the date each month that works best for you to repay. Then we set up a direct debit on your account so you never have to worry about remembering the right date or find yourself stuck because a payment didn't go through. We'll send you a reminder email the day before so you can be sure you have the funds you need in the account.

If you ever need to change your repayment schedule, simply call us at 133 156 to discuss your repayment options and see how you can avoid fees. If you find you're able to pay off your small or medium loan early, great! We're thrilled, and we never charge you fees for paying these off early.

Getting Your Next Loan

We're here when you need us at Nimble, and if you've paid off one loan and are ready for another, we're happy to get it done through the same quick process as the first time. Once we've confirmed that your final payment on a loan has cleared, you're free to apply again. We consider each loan application separately and always take the same care with each application.

Nimble's Payday Loan Online: Servicing All of Australia

When you need fast cash, visit Nimble right away for an easy online application process and a quick decision. Our online loan options are for everyone in Australia, so whether you're looking for payday loans in Sydney or payday loans in Perth, or even an online pensioner payday loan, all you need is an Internet connection to reach out to Nimble.