Searching for Guaranteed Loans? Nifty Has the Lowdown

Guaranteed Loans

Have you been searching for a lender that could offer guaranteed loans? Let’s face it, getting a loan can sometimes seem like a scary prospect. It might be the first time you’re seeking a loan, or you may have previous defaults on our credit file. Either way, borrowing money in a time of need can make you feel under pressure to act without really putting much thought into it. A guaranteed loan sounds like a quick and easy solution to your financial needs. But is it the best choice for you?

Whilst Nifty cannot offer guaranteed loans, we do guarantee a fair assessment. You may have been searching the internet for ‘guaranteed loan approval no credit check’ to see if you have a chance even with bad credit. While we can’t guarantee approval, we can give every Aussie a fair go when looking for the finance they need. We understand that things happen in peoples lives that are out of their control and can leave them stuck in a tricky situation.

Who are Nifty Loans?

We are a trusted lender with excellent customer service and quick outcomes designed to make your life that bit easier by cutting out nasty paperwork. We offer short term loans from $300 to $5,000, that can be paid off any time between 3 and 24 months (depending on how much you apply for). Unlike other traditional lenders, we make sure that your experience is quick, affordable and has no-nonsense with a fast application, speedy outcomes and cash in 60 seconds.*

Our smart systems put your credit history in the past and help you move forward with your life. We review your current relationship with your finances and only offer reasonable loans to our clients. We practice responsible lending. Therefore, we’ll never approve a loan if you can’t keep up with the repayments and we don’t claim to offer guaranteed loans.

However, if you have bad credit, don’t worry. Our team are experts at dealing with each clients’ unique situation, so there’s no need to feel uneasy when applying. Our main focus is to help empower Aussies just like you!

Why Choose Nifty?

Although we cannot offer guaranteed loans, there are several reasons why you may wish to apply for a loan with us.

As a Nifty Loans customer, you’ll be given the choice when it comes to repaying your loan. Our service is flexible, meaning that we can tailor a plan to suit you and your spending. If approved, we’ll help you set up a direct debit to make your repayment that much easier. Don’t worry though, once you’ve paid off the money you owe, the payment will automatically be stopped.

We have three different types of personal loans. Short term loans (SACC’s) between $300 and $2,000. These are paid off over 3 – 9 months. Next we have Medium loans (MACC’s) between $2,100 and $4,600. These are paid of over 9 – 24 months. And lastly we have Large loans (LACC’s) that are for $5,000 only. These are paid of over 12 – 24 months.

In all cases, you are entitled to make an early repayment if you can. If you are in a position to do so, you can clear all of your debts with one payment at no extra cost.

It’s always important to really consider whether or not you really need a loan before getting one. Nifty Loans are responsible lenders who make sure that their clients are prepared for what they are applying for. We have years of experience gaining the trust of everyday Aussies due to our efforts ensuring that only those suitable for a loan are getting access to one.

What is guaranteed loan approval?

Whilst we cannot 100% guarantee loans, at Nifty Loans, we can guarantee a hassle-free experience and fast outcomes when you apply with us. We believe in giving every Aussie a chance at getting the financial support they need and we believe that they should get it super fast. That’s why our team aim for a 60-minute turnaround if an application is completed during business hours.

Applying with us is super simple. In only a few clicks you could be that much closer to having the cash in your account. Our online application gives you the freedom to submit the form at a time that suits you. Being 100% online makes it possible for you to apply at a time that suits you with no paperwork. All the important documents related to your loan will be sent to your email so there’s no chance of your dog chewing your contract to pieces!

No hidden fees

We provide a second-to-none service that you can trust. We want to make sure that our clients understand what’s been proposed. So, we are fully transparent with you by being open and frank when sharing our fees and charges. We’re here to make sure that you can get a friendly service that you can afford.

For each of our loans, any information regarding payable fees or charges attached to them will be mentioned at the bottom of the page. If you miss a payment or default on your loan contract, you might be charged extra fees. To get a better understanding of the types of additional fees that you may come across, please feel free to get in touch with our team of loan experts. Note that they are only available to answer your calls during AEST business working hours.

How fast can I get a loan?

If you’re looking for same day loan guaranteed approval, you might have found the right place. Though we cannot guarantee approval, we can give you a fair go. Our seamless application process is frequently updated to ensure the most efficient experience for customers. So there’s no need to worry about getting frustrated about over complicated and time consuming form filling applications you may have come across with other lenders. We like to make things simple and easy for you!

Whilst we can’t offer you guaranteed instant loans, we can guarantee fast outcomes and speedy cash, if approved! We do have to take time on each application to make sure that we can deliver you a suitable outcome.

Our team work tirelessly to get people the cash they need as quickly as possible. As with all lending services, checks need to be done on your credit file, however, you can expect a response from one of our team within an hour, provided your application is submitted within business hours.

If you’re approved, once you’ve signed the contract, you could see the money in your account in less than 60 seconds! Yes, you heard it right. We work super quick here!
Please note, this feature is only available for customers with NPP enabled banks. For all other institutions, the funds will be subject to normal inter-bank transfer times.

Who is eligible for cash loans?

Whilst we do our best to make sure all Aussies get the financial help they need, there are some standard requirements that you need before you can apply. To apply you must be:

  • At least 18 years old;
  • Earning a regular income for the past 90 days;
  • Contactable by an active mobile number and email address;
  • An Australian citizen or permanent resident.

That’s all, if you meet those requirements, then why not go ahead and apply now to see if we can help you out! If you’re unsure of anything, please don’t hesitate to get in touch via our contact page. One of our team will get back to you as soon as possible. You might be able to find the answers here on our FAQ page.

Do Nifty perform credit checks?

If you’re looking for cash loan guaranteed approval, you might struggle to avoid credit checks. At Nifty, we offer short term loans that are fast and easily accessible. However, before you receive your money, a credit check will be conducted as part of our assessment process. If your credit score is below par, don’t lose hope, you may still be eligible for a loan! Our team takes a realistic look at your current financial position. If it can be seen that you manage your money well and can reasonably afford the repayments, you may still be approved, even with poor credit.

Can I get a guaranteed loan on Centrelink?

While we don’t promise guaranteed loans we can promise to consider your application if you receive Centrelink. In some cases, we may view Centrelink as an income. So, if you’ve been receiving financial support from Centrelink for at least the past 90 days and are looking for a loan, go ahead and apply to see how we can help you today! You may be asked to provide your MyGov credential, so have them prepared.

What if I can’t afford a repayment?

If you already have a loan with Nifty and this happens, there’s no need to panic! The best thing for you to do is get in touch with one of our loan experts so you can negotiate a plan of action. You may be charged additional fees for late payments but we will work together to arrange a deal that suits both parties. We have the solutions though, so don’t sit there wondering what you can do, get in touch!

How do I apply?

Our application process is super easy. At the top of each of our webpages, you can find our loan calculator. Use this to enter in the amount of money you wish to borrow and the length of time you wish to repay your loan. We’ve designed this process to be hassle-free for our clients, so don’t worry about having to spend hours applying.

You will then need to give us some of your personal details and a brief explanation as to why you’re looking to take out a loan today. We will also ask you to send over your bank statements and any other relevant credentials to your application. From there, if received within business hours, we aim to assess your application within 60-minutes. Enough time for you to sit back and enjoy an episode of your favourite TV show.

We’re 100% online

We may not be able to offer guaranteed loans but we can guarantee no paperwork! With no paperwork, our super speedy application is now 100% online. So, it can be completed in a matter of moments on any of your connected devices. With just a few clicks of your mouse, you’ll be one step closer to getting the money you’re looking for.

Talk to us!

We love hearing from you. At Nifty Loans, we believe that for you to have a pleasant experience with us, you should feel comfortable discussing your financial situation with us. This way, we can do our best to put ourselves in your shoes and tailor a loan to your requests.

Remember though that our loan specialists need their beauty sleep and rest. So our phone lines are only active during AEST business working hours. Don’t hesitate to send us a message on our contact form page. One of our team members will get back to you as soon as possible!

More from Nifty

As a loan provider, it’s our duty to stay on top of the latest advancements in the financial industry. That’s why we frequently add to our blog. You’ll also find the latest trends in lifestyle, travel and tech on our blog.

In addition to this article guaranteed loans, we also cover bad credit finance, farm loans, repair loans and more on our site!

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*most people will receive their money in their bank in 60 seconds account once they’re approved and have accepted their contract

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

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

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

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

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Quick and Fast

"Quick and easy to apply. Fast and efficient getting your loan . No hidden fees and a happy family to take on holidays"

- Ado f


Types of loans