- Outstanding customer service
- 60-second transfers once approved3
- Fast applications1 and same-day loan outcomes2
- Check if you qualify - no impact on your credit score
Easy Approval Loans
- Smart and quick application form, which can be completed in minutes
- 50% of applicants receive an outcome instantly
- For applications that do not receive instant outcome, most receive a final outcome on the same day!*
- Smart and quick application form, which can be completed in minutes
- 50% of applicants receive an outcome instantly
- For applications that do not receive instant outcome, most receive a final outcome on the same day!*
We're a part of the award winning Jacaranda Finance group.
Here's what you can expect:
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.
Nifty Loans is a 100% online loan company. We are ready to service all your personal loan needs and give you a helping hand when you need a financial pick-me-up. We can offer easy approval loans that are fast, simple and convenient.
What are easy approval loans?
Easy approval loans are loans that are processed fast for people who, from time to time, find themselves in need of some extra cash. Quick outcomes, fast 60-second transfers**, and fuss-free repayments. Sounds good, right?
Nifty Loans strive to make the process between application and deposit as quick and hassle-free as possible. With our service being 100% online, you can minimise time wasted at the bank waiting in the never-ending queue or long-winded meetings.
We also adhere to responsible lending practices, however, we are here to try and help everyone to apply for a speedy personal loan.
Eligibility criteria:
Before applying for quick loans, it’s important to check our eligibility requirements:
- Be 18 years of age or older
- An Australian citizen or a permanent resident
- Receive a regular income into a personal bank account for at least 3 months
- An active phone number and email address
Documentation you'll need
In addition, to get your application off to a strong start, you’ll want to have all these details readily available:
- Personal info
- Contact details
- 100 points of ID
- Online banking and employment details
- The reason for your loan
How to apply for our easy loans
Now that you’re ready to apply, you be may be wondering, how do I apply?
Step one: Apply online
To begin, check out our Nifty slider at the top of each web page. Firstly, select how much you wish to borrow and for how long. Once you are happy with your selected loan terms, click apply, and you’ll be sent straight to the application page. Then, complete the application from the comfort of your living room!
Step two: Instant response
If you meet our eligibility criteria, we will advise you straight away! No waiting anxiously for a response. We will continue to assess your application to see if we can approve you for our easy loans. Keep a keen eye on your notifications because if we need extra info we’ll send you a text or an email.
Step three: We assess
We adhere to responsible lending practices whilst we are assessing your application, so we only approve applicants that can afford the repayments. We utilise the latest in safe banking technology to take a look at your income and spending habits using read-only copies of your bank statements. This helps us assess whether you are suitable for one of our loans.
Step four: Collect your money!
If you hear the good news (that you’re approved), we will send you an electronic contract. After you accept your contract, your funds will be transferred to your nominated bank account. Delivery times will vary depending on interbank transfer times, however, the latest they will be available in your account is overnight.
We're Fast
Our application and processing is 100% online. And in case you haven’t noticed, we very proud of that fact. We have designed a personal loan application and approval process that is efficient and saves everybody precious time.
Furthermore, being 100% online allows us to offer our customers so much more. Think lower costs than other more traditional lenders, amazing customer service in Australia and quick turn around times! Now that’s Nifty!
Responsible Lending
You may be wondering ‘I have bad credit and have been rejected by traditional lenders’. Well, don’t let that deter you from applying with Nifty Loans. We do perform credit checks but we look at more than just your credit score. We look at your current relationship with money from your bank statements.
Furthermore, we are more lenient than more traditional lenders, because, we access your past and present finances. We can offer applicants easy loan approval for bad credit if we believe they can repay the loan. If your current finances don’t reflect your poor credit history we will consider you for our loans.
What are the possible costs?
At Nifty, we believe in 100% honesty. So, we carry that philosophy throughout all our loan services. All of our costs will always be listed on your contract before you sign. For your reference, you can find an outline of our basic costs at the bottom of this page for the following loans:
| Medium Loans | Unsecured or Secured | $2,100 – $4,600 |
| Large Loan | Secured | $5,000 – $15,000 |
Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, visit our costs page or feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.
What happens if you’re approved?
Ongoing support
At Nifty Loans, we believe in quality customer service, even though we will only meet online or over the phone. If you ever have any enquiries about your current loan, please don’t hesitate to contact one of our loan specialists. Send us a quick message or give us a ring on 1300 471 328. If you’re unaware of our business hours, you can find these on our contact us page.
Therefore, if you do make an enquiry outside of business hours, our loan term will respond to your request usually within 2 hours of the next business day.
