We Can Offer Fast Approval Loans | Apply Now Up To $10,000

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

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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.

Fast Approval Loans: Easy And Simple

Are you looking for an online cash loan? Well, you’ve come to the right place. Have you had a run of bad luck that just won’t quit? Your washing machine has broken down just as your kids need new school uniforms? Maybe you want to consolidate some debt? That’s when you turn to Nifty Loans to solve those pesky financial problems. We can offer fast approval loans, so apply today.

We understand that sometimes life doesn’t go to plan and that’s why we can offer quick outcome loans. We offer a quick application, fast outcomes and easy repayments.

Fast Approval Loans

what are fast approval loans?

With Nifty Loans, quick easy loans are a completely hassle-free experience. Of course, we cannot guarantee an outcome with approval finance, however, we can deliver fast outcomes on almost all of our applications. Think bliss when you see Nifty Loans. We have designed our system to process applications quickly, so we can do our best to offer personal loans efficiently. We work loan wonders!

Applying is simple. It only takes a few clicks of your mouse and a few minutes of your time! You can complete the forms at any time of day or night and all from the comfort of your own home. So, sit back and relax whilst we work our loan magic.

How to apply with Nifty Loans

To apply, you simply need to meet four simple requirements:

  1. You must be at least 18-years old;
  2. An Australian Citizen or permanent resident;
  3. You’ve been receiving a regular income into a personal bank account for at least 3-months;
  4. You have an active mobile number and address.

Before applying for a quick loan, make sure you check off all requirements to make an easy and smooth application process.

It is an easy 4 step process!

Step 1: Apply online

Our loan service is 100% online. You can apply for a short-term personal loan from the comfort of your bed. Begin with using our user-friendly slider located at the top of each Nifty Loans web-page. Simply select how much moolah you want, how long for, and how regular you wish to make repayments. Then, when you’re happy with your loan terms, click Apply! You’ll be transferred straight to the fast approvals loan application that we can offer.

We have an application that can be completed within minutes. It’s that easy!

Step 2: No messing around

Once you’ve submitted your application, we let you know right away whether you qualify for our fast approval loans. Whilst we are assessing your application, we will send a quick text or email if we need additional information. So, keep an eye on your notifications whilst playing Candy Crush!

Step 3: Get a Decision

We assess your application and provide you with an outcome, usually within 60-minutes (during normal business hours). So, no waiting around for days on end. Treat yo’ self to a coffee and we’ll have an outcome for you in no time!

Step 4: Get paid FAST

If approved and you decide to accept the offer, we will transfer the money to your bank. Access to funds is subject to inter-bank transfer times.

We are all about customer service, second chances and getting you the right loan every time because you matter to us.

So go on! Let us help with fast approval on your next Nifty loan.

Why can we offer fast approval online loans?

The reasons for how fast approvals can benefit you are endless. We’re sure you can think of plenty of reasons, however, the service we can offer has a difference; the Nifty Loans difference.

The Nifty Loans Difference:

  • Fast applications that can be completed in minutes;
  • Our loan specialists aim for a 60-minute turnaround (during business hours);
  • If approved, have your moolah transferred the same day (if accepted during business hours);
  • We do perform credit checks, however, we look at more than your credit history;
  • No hidden costs;
  • Completely online for your convenience;
  • Trusted by thousands of Aussies.

The list could stretch far and wide, but you get the idea! Nifty Loans is here to service your urgent financial needs.

We are lightning quick

We understand that when emergencies arise and you need money, dawdling is not an option! Here at Nifty Loans, we endeavour to have your loan approved within 60-minutes (during business hours). We work hard to save you time and hassle because no one has time for messy applications. Our 100% online loan process can negate those long trips to the bank and meetings that can droll on without results. We strive to deliver fast results.

To give your quick loans application an extra speed boost, you’ll want to have all your personal details ready before beginning your quick loan approval application. Here’s a handy list of personal information to have by your side:

  • Reason for the loan;
  • My Gov details (if applicable);
  • Internet bank details

You may hesitate when it comes to parting ways with your bank account details, however, we can put your mind at ease. Utilising the latest in safe banking technology, we use your account details to access read-only copies of your bank statements. These are used to assess whether you can reasonably afford fast approval loans.

If your loan is approved, your funds will be transferred to your account on the same day, provided your contract is signed during business hours. So, when you urgently need a financial pick-me-up, we can help.

Our Nifty Loans fast approval loans can have you back out there hitting your goals within the same business day! Time is money, so we offer a quick buck to get you back on your feet.

We handle all the financial legwork, so you can go back to what you do best.

Flexible repayments

We will set up a direct debit in a nominated account on an agreed day, usually your payday, and voila! Just ensure enough money is kept in the account and your repayments will come out automatically.

Once your fast approval loan has finalised, your direct debits will automatically stop, so there’s no need to worry about calling up to cancel the payments. Nifty Loans is committed to being helpful and hassle-free, so you can focus on your health.

We want to give you the power to control your finances. If you need to make amendments to your repayments, for whatever reason, contact us ASAP. Our loan specialists will be happy to help.

We are 100% online

Gone are the days of never-ending bank lines and meetings with bank managers.

A few clicks of your mouse is all your application needs!

At Nifty Loans, we understand that everyone needs a financial pick-me-up every now and again. So, while we do perform credit checks they’re not our only criteria for assessing a loan. We also take a look at your current income and expenses to gauge your current financial position.

No-Fuss – That’s Nifty!

We can offer same day loans, and we do our best to reduce all unnecessary hassle! We will give you a Yes or No answer and approval as fast as possible. They are painless and paperwork free! Yes, you read that correctly. Our application process does not require any paperwork.

So, say goodbye to the mountains of migraine-inducing bank statement gathering and say hello to stress-free applications!

Friendly customer service – That’s Nifty!

We believe in return business. Because of this, have peace of mind knowing that we will always go the extra mile for our existing customers.

Please note, however, we cannot guarantee an outcome. All applications are subject to our assessment criteria and are dependant on your current circumstances.

If you have any enquiries about our loan process, the state of your application or, any questions regarding your repayments, please don’t hesitate to contact our loan specialists.

Of course, our loan specialists have to sleep and rest, so they are only reachable during our business hours. If your enquiry is made outside of business hours, you’ll receive a response on the next business day.

Upfront fees

At Nifty Loans, we are upfront and honest about our loan fees. We believe that transparency is the key to a happy customer relationship. We have three types of loans at Nifty; a small personal loan, a medium personal loan and a large personal loan. The costs and fees associated with your loan will all be included in your loan contract. In the meantime, you can find out more about our loan costs at the bottom of this page or on our costs page.

Small Loans Unsecured $500 – $2,000
Medium Loans Secured $2,100 – $4,600
Large Loans Secured $5,000 – $10,000

Other fees and charges may be payable. Unfortunately, if you fail to make a repayment without notifying us of any changes in your situation, additional fees may be added to the balance of the loan. If you have any questions regarding the payable fees and charges attached to your loan, please do not hesitate to get in contact with our customer support team. They’re loan experts and are more than happy to walk you through any questions you may have.

What about my credit history?

You may be thinking, what if I have bad credit and I’m seeking a bad credit unsecured personal loans with a very fast outcome? Well, we have you covered.

We do perform credit checks as part of our responsible lending practices, however, it’s not the only criteria we examine. If your present finances reflect a different state than your credit history, we will consider your application.

You might also be thinking, ‘I’m on Centrelink, am I still eligible to apply?’ Don’t fret – we’ll do our best to provide fast outcomes for all applicants.

We consider most Centrelink payments as regular income. Therefore, as long as you’ve been receiving regular Centrelink payments for the previous 3-months, then you could still be eligible for fast approval loans.

Let’s be friends

The vision of Nifty Loans is to provide a loan service that is fast, easy and convenient for everyday users. We want to bring personal loans to the masses and offer a product that you have no reason to be afraid of! We are more lenient than traditional lenders, so if you find yourself in a pickle, you know who to call.

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 also keep up to date with the latest personal finance and lifestyle trends via our blog.


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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.