Fast Loans | $300 - $5,000 | Money in 60 Seconds* | Apply Now!

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.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

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.

Fast Loans Could Be The Money Solution You Need

fast loans

What are fast loans? 

Fast loans are personal loans that you can access quickly without the hassle of visiting a bank. You can borrow from $300 all the way to $5,000, with the loan repayment period depending on what you borrow. 

We all know that a pesky car rego or insurance payment can crop up when you least expect it. Applying for a fast cash loan could be just what you need to help tie up those loose ends. Nifty Loans specialises in quick, painless fast loans online! You can submit an application in minutes, have an outcome within the hour* and get your money straight to your bank and ready to use in 60 seconds.** 

Our loans are designed to assist you when life throws a curveball your way. At Nifty, we offer fast easy loans from $300 to $5,000 and the repayment period depends on the loan amount you choose. Use our loan calculator located at the top of this page to get started today!

How can I get a loan fast?

To apply, check if you’re eligible below:

  • Must be at least 18 years of age;
  • Be receiving a regular income (we accept both wages and Centrelink income!) into a personal bank account for at least the last 90 days;
  • Be an Australian citizen or permanent resident;
  • Have an active mobile number and email address.

If you’re eligible to apply for fast cash loans in Australia, then why not get started now? You can scroll up and use our loan calculator to design your own loan terms!

How do I apply for a fast loan online?

Submitting an application for fast personal loans is super easy. Simply scroll to the top of this page and select how much you wish to borrow and for how long. Then, click on the apply button to get the ball rolling. Our quick application is stress-free and painless, we don’t require any physical paperwork so you can complete it in minutes and get back to what you do best!

We aim to assess your application within 60-minutes,* however, don’t worry if it takes longer, we may just need additional supporting information. If we receive your application outside of business hours, we will assess it at the start of the next business day. Our loan assessment process promises you a quick and fair loan outcome, so you don’t have to wait for the fast loans you need.

When will I get my money?

If you receive fast loan approval, we’ll send you a loan contract for you to review, sign and send back. Nifty can transfer your money straight to your bank in just 60 seconds** powered by instant banking. 

If your individual bank does not support instant banking, your fast money loans may be subject to interbank transfer times. Have concerns about your loan? You can always contact the friendly Nifty team via our contact form or give us a call on 1300 471 328.

Can I get a fast loan if I receive Centrelink benefits?

If you receive Centrelink payments, you are still eligible to apply for fast online loans from an online lender. Typically, online lenders can assist people that struggle to obtain credit from a bank.

At Nifty, we are proud to be giving all Aussies a fair go when they’re looking for fast payday loans today. If you are currently receiving Centrelink benefits and are looking for a fast loan, we encourage you to submit an application. Our team cannot guarantee approval, however, we do guarantee all applicants will receive a fair and reasonable assessment. The Nifty team will look at a wide variety of factors, including the percentage of income that is drawn from Centrelink benefits or a pension.

We also don’t charge our applicants when they submit an application for small loans fast. We encourage customers who may be unsure of their eligibility to go ahead and apply. Our team will assess your application and get back to you in just 60 minutes.* 

How can I repay my fast loan?

Loan repayments are usually outlined by your lender during the application process. Once approved, make sure you look at your contract to find out what you’ll need to pay back, and when.

At Nifty, we want to make our clients’ lives as simple and stress-free as possible when it comes to personal loans. If you wish, our team can line up your repayment due date with your payday. We also set your repayments up as direct debits so your repayments will be automatically deducted from your account. You don’t need to worry about missing repayments – just make sure there are enough funds in your account.

Once your loan has been successfully paid in full, your repayments will automatically stop. How easy is that?

How much will a $10,000 loan cost?

Whether you’re looking for $1,500 fast cash loans QLD, $2,000 fast cash loans or $5,000 large fast cash loans WA, the costs of your fast loan may vary depending on the lender you choose. So, before you sign your contract, make sure you check over all the possible fees and charges associated with your loan. 

At Nifty Loans, we provide fast affordable loans and we assess each application thoroughly to make sure that each borrower can reasonably afford their repayments and that there are no hidden fees or costs. All the costs of your loan will be clearly laid out for you in your loan contract before signing. We believe in being 100% transparent when it comes to our fees.

Before you apply, check out the flexible loan options we provide:

Loan type The loan amount The loan term
Fast unsecured loans $300 to $2,000 6 to 9 months
Secured $2,000 to $4,600 9 to 24 months
Secured $5,000 9 to 24 months

Found an option that suits you? Use our loan calculator to apply for the personal loan you need. We’re the fast online loans direct lenders that can help when emergencies strike and you need cash quick. Just remember, if you’re interested in applying for either a medium or long term loans fast cash of $2,100 to $5,000, you will need to provide security.

What if I can’t make the loan repayment?

If you can’t make a loan repayment, you must get in touch with your lender as soon as possible. They may be able to move your repayment date or work with you to come to a new repayment arrangement.

At Nifty Loans, we understand that sometimes life has a bad habit of throwing curveballs when you least expect it. If this happens, just let us know. The Nifty team is here to help from the beginning to the end of your loan. So, if something happens that affects your ability to successfully make your loan repayments, get in touch with us as soon as possible.

If you would like us to re-arrange a repayment, our team requires at least 1-2 business days notice. So, whether you’ve lost your job, you’ve had your hours cut or an unexpected expense has popped up, chat to our team!

Can I get a personal loan with bad credit?

If you’re searching for fast cash loans bad credit, you’re in luck. At Nifty, we welcome all applicants to apply, whether they have poor credit or receive Centrelink benefits. Our team is proud to be doing their best to assist all Aussies with fair and reasonable loans.

We cannot guarantee fast loan approval for all applicants. However, we will always do our best to give our applicants a fair assessment and a speedy loan outcome. Don’t wait, apply now!

Do you conduct credit checks?

Typically, responsible lenders will conduct credit checks on all loan applications. If you’re worried about your credit score, don’t let this stop you from applying. Your credit score is not the only criterion online lenders consider when assessing fast internet loans.

When Nifty assess your application, we don’t believe that your credit score is the be-all and end-all. Our team understands that sometimes things happen that can affect your credit history, but we look at more than just your credit score and assess your current relationship with money. We are firm believers that everyone deserves a fair go, despite any road bumps they may have had in their credit history. 

At Nifty, we conduct a more thorough analysis of your financial situation by looking at your current relationship with money. Our team will take a look at your bank statements to get a realistic idea of your current financial situation. So if you’re looking for fast cash loans for bad credit, you’ve come to the right place. 

What are the top 10 reasons to apply for a loan?

Below are the top reasons Nifty clients apply for a fast personal loan:

  1. Fast debt consolidation loans
  2. Weekend fast cash loans
  3. Wedding loans
  4. Car repair loans
  5. Travel loans
  6. Emergency expenses
  7. Vet bill loans
  8. Car rego
  9. Swimming pool loans
  10. Loans for airconditioning

Need a loan? Apply for a variety of expenses by using our loan calculator at the top of this page. Get started now!

Are fast loans today the best choice?

The lender for you is one that takes care of their clients by adhering to responsible lending practices while providing quick loans. Responsible lending is incredibly important to us. Nifty Loans is, and always will be, 100% compliant with all relevant legislation. We have our own set of lending criteria that we follow to ensure any loan product we may offer is right for you.

If we can approve your loan application, we won’t lend you more money than you can afford to repay. Our team always ensure that repayments are realistic and manageable. You can be confident that we have your best interests at heart.

If your loan application is unsuccessful, our team will be honest. We don’t want to waste your time. Just because your loan application is unsuccessful this time doesn’t mean you can’t apply in the future. All unsuccessful applicants are more than welcome to re-apply at a later date. The Nifty team will be happy to reassess your financial circumstances.

Ready to apply?

Great! Then, scroll up and apply for a fast cash loan using our loan calculator to select how much you wish to borrow and for how long. Once you’re happy with your proposed loan terms, hit the ‘apply now’ button!

Want more Nifty?

Like what you’ve been reading? Why not check out the Nifty blog for finance and lifestyle tips!

Is Uber still king? Nifty investigates the ride-sharing apps that are set to take over!

Are you doing the right amount of effective exercise? Nifty has the tips you need!

If you’re after more information about personal loans and how they work, visit the MoneySmart website.

*subject to when you submit your application

**Only available for NPP enabled bank accounts

Fast Loans Could Be The Money Solution You Need Overall rating: ★★★★★ 4.6 based on 232 reviews
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Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount: $1,000
Terms: 6 Months,
(24 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount: $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
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan 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
* 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.

Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount: $1,000
Terms: 6 Months,
(24 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount: $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
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan 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

* 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.