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Fast Personal Loan

up to $5,000


Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

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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.

Easy Approval Loans: An easy financial pick-me-up

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. You could have a quick buck in a jiff with Nifty Loans.

easy approval loans

What are easy approval loans?

Fast loans are fast processed loans for those people who, from time to time, find themselves in need of some extra cash. Quick outcomes, fuss-free repayments and loans can be approved within 60 minutes (during normal business hours). Sounds good, right? Nifty Loans strive to make the process between application and deposit as quick and hassle-free as possible. You could even be eligible for a no credit check loan from Nifty!

Think easy outcomes, think Nifty Loans. Whether you’re a jet-setter or a stay-at-home parent, you can apply for online loans at your own convenience.

Furthermore, here are three main features of Nifty Loans:

  • Online applications
  • Online approvals
  • Online service

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 do adhere to responsible lending practices, however, we are here to try and help everyone to apply for a speedy personal loan.

How to apply for personal loans

You can apply for online finance, and with Nifty it couldn’t be easier:

Firstly, before applying for quick loans, it’s important to check our eligibility requirements. To be eligible for a quick outcome loan, here are the 4 minimum requirements:

  • Be 18 years of age,
  • An Australian citizen and have a permanent resident
  • Receive a regular income into a personal bank account for at least 3 months
  • An active phone number and email address

And that’s it! If you tick all these boxes you are ready to apply for an easy approval loan that you can offer.

In addition, to get your application off to a strong start, you’ll want to have all these details readily available:

  • Active contact details (Mobile Number, email address, etc.)
  • My Gov Details (if applicable)
  • Bank account details

Now that you’re ready to apply, you be may be wondering, how do I apply?

To help your cash loans application breeze by, here are 4 steps to follow when completing your application:

Step one: Apply online

To begin an application for easy loans online approval, 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.

Complete an application from the comfort of your living room! Begin brewing a calming cup of tea, and it’ll be ready to enjoy once you’ve completed our speedy loan application.

Step two: Instant response

If you meet our basic 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 you 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: Assessing your application

We adhere to responsible lending practices whilst we are assessing your application, so we only approve applicants that can afford the repayments. We utilise safe banking technology to take a look at your income and spending habits using your bank statements. In your application, we ask for your banking details. Using the latest in banking technology, we are able to access read-only copies of your bank statements. This helps us assess whether you are suitable for one of our no-paperwork loans. We will generally complete this assessment within 60 minutes (during normal business hours)!

Step four: Collect your money!

If you hear the good news (that you’re approved), we will send you an electronic contract outlining all the loan particulars. 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.

You think an Australian Tiger Beetle is quick? Well, you haven’t met Nifty Loans

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!

Credit checks and 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 don’t let that put you off applying for our quick cash loan. We look at more than just your credit score, and will 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 instant-approval loans.

What are the possible costs?

At Nifty, we believe that all relationships, whether personal or professional, should be based on 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. In addition, for your reference, you can find an outline of our basic costs at the bottom of this page for the following loans:

Small LoansUnsecured$500 – $2,000
Medium LoansSecured$2,100 – $4,600
Large LoanSecured$5,000 – $10,000

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.

So, with all this talk of costs, we thought you needed some good news! If you pay your loan off early, there is no extra charge. In fact, paying out your loan earlier will save you money on fees and interest

how much can you borrow from Nifty?

Nifty can offer easy approval loans are between $500 to $10,000.  So, anywhere in between that range could be approved depending on your financial circumstances. In addition, our loan terms range from 6 – 24 months. If you apply for a small loan between $500 to $2,000 you can repay your loan over a 6 to 12 month period. If you apply for a medium or large personal loan, then you can repay it over a 9 to 24 month period. Personal loans of $2,100 and larger require a motorbike, caravan, boat or car as security.

Unemployed and easy approval loans

Unfortunately, as part of our responsible lending practices, we require our applicants to be receiving a regular income. This can be either through employment or Centrelink and needs to have been consistent for a minimum of three months.

If you are receiving a regular income into a personal bank account, you could be eligible. Furthermore, we consider Centrelink payments a form of income, and we accept most Centrelink payments.

What happens if you’re approved

If you’ve been approved, we will email you a formal contract for you to sign and, once we receive the signed copy, the funds will be transferred to your account on the next round of banking.

Easy repayments

Repaying your Nifty personal loan couldn’t be easier!

We will set up a direct debit that works in with your pay structure and affordability, and once your loan has been repaid, the direct debit will automatically stop. We use the latest in safe banking technology to debit your nominated bank account for the correct repayment.

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 cash advance 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.

Find out more about quick outcome loans

Who is this product for?Those who are looking for a fast processing short term loan
Am I eligible to apply?Must be over 18 Years of age. A permanent Australian resident. Receive a regular income into a personal bank account for at least 3 months.
What repayment terms are available?Range from 6-24 months. Repayment terms will vary depending on each applicant’s financial situation.
Loan types availableFixed Personal Loans
LenderNifty Personal Loans


Let’s be friends!

So, now you know what we’re all about, we want to meet you! If you’re looking for a financial pick-me-up and want to work with a loan service that cares about your finances – look no further than Nifty Loans!

No need for nasty paperwork! We are 100% online! That means managing your time and cash just got a whole lot easier.

You can apply for a Nifty easy approval loan anywhere, any time because we are 100% online. All you need is an internet-capable device and you can apply and you could have your Nifty easy approval loans approved in 60 minutes (during business hours).

If you have unanswered questions about our service, you can head to the FAQs page and see if your answer is waiting for you.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Want to know more? Nifty investigates loans comparison and 24/7 instant cash loans for bad credit.


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Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.