Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts
Piggy Bank

Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts

Are You Looking For Instant Cash Loans Online? Why Not Apply Now With Nifty!

Instant cash

What you need to know about instant cash loans online

Life is full of unfortunate and unplanned events that are beyond your control, we get it. Sometimes unplanned events can hit you hard with little to no warning. Whether it’s an urgent medical procedure, critical vehicle repair or home renovation, life can really surprise you. 

So, if life has thrown you a curveball you’ll be pleased to know that Nifty provides cash for lots of different situations. We could even provide you with truck loans, IVF loans, even loans for people with bad credit – that’s a lot of different loans!

If you are faced with an emergency situation, you may need access to cash fast. If you apply for a loan through a bank, you’ll likely have to deal with long queues and pesky appointments.  Moreover, you’ll be required to fill lengthy applications and wait for days to see if you’re approved. If you can’t wait, then Nifty Loans is the way to go.

What are instant cash loans online?

Wondering what an instant cash loan online is? Let us explain. Instant cash loans online are basically just personal loans online that can be approved and accessed very fast. At Nifty, we do not deliver instant cash loans online. Our team is committed to responsible lending. That means we are required to conduct a thorough assessment of your loan application before approving it. Our loans may not be instant but we could provide you with cash to your bank instantly after approval*. 

*For NPP and Osko enabled bank accounts.

Nifty’s cash loans are designed to help everyday Aussies get access to cash fast. The good news is an application could only take you a few short minutes to complete. So, if you’ve been googling ‘instant approval loans need cash today’ we suggest you stop searching and apply with Nifty.   

Credit checks on instant loans

If you have bad credit, then you may find yourself looking for instant cash loans online no credit check. At Nifty Loans, we do conduct credit checks, however, don’t let that deter you from applying. Our team looks at more than just your credit score. We also look at your current relationship with money.

If you’ve ever applied with a traditional lender then you probably already know how hard it can be to gain approval with a bad credit score. If you’re tired of rejection, why not ask Nifty. Our team will take a realistic look at your finances to determine whether or not you have the ability to pay off a personal loan. 

The Nifty team will be thorough but fair. We may need to have a look at your bank statements to assess your spending habits, income and existing financial commitments. If we can see you have made an effort to reconcile your credit score we might be able to approve you for cash to your bank instantly after approval. When you apply with Nifty Loans, what matters the most is your current financial situation.

Can I get a same day loan online instant cash?

Have you been searching for a ‘same day loan online instant cash’? At Nifty, we might be able to provide you with a same day loan. Our team works hard to deliver the cash you need as soon as possible. We do, however, have to conduct a thorough assessment of your loan application. The good news is this application could only take you a few short minutes to complete. If you submit your form during AEST business hours you could receive an outcome from our team in just 60 minutes. 

As for instant cash, Nifty can deliver cash within 60 seconds to borrowers with NPP or Osko enabled bank accounts. Not sure if your account supports instant transfer? You can check it out here.   

Emergencies that call for a cash loan 

So, now you know a little more about what Nifty offers, are you wondering what you could use your loan for? You’ll be pleased to know that Nifty offers a wide variety of loans for a whole range of different circumstances. Check out what we’ve already approved:  

Cash for home repairs

Desperately need cash to fix a leak in the bathroom? Maybe the aircon has given up on the hottest day of the year so far? At Nifty, we understand that Aussies don’t always have the spare cash lying around to cover a home repair expense. That’s where we come in. Nifty could approve you for a home repair loan between $300 and $5,000 today. Our loans are flexible and tailored to your individual financial situation. So, why not see what we could do for you?

Medical loans

Looking for an instant cash loan online to cover a medical bill? At Nifty, we could approve you for the cash you’re looking for. Our team doesn’t guarantee instant loans – as mentioned, we will need to conduct a thorough assessment of your application – however, we could provide you with cash to your bank instantly after approval*. If you submit an application during AEST business hours the Nifty team will do their best to get back to you with an outcome in just 60 minutes. We understand that when you need cash for a medical emergency there is no time to waste.  

Cash for car repairs

If your vehicle breaks down and needs to be repaired don’t blow the budget. At Nifty, we understand that many Aussies don’t have the financial resources to cover hefty auto repairs. If you’re one of them, you could apply for a cash loan online for car repairs

If you’ve been googling ‘ instant cash flow’, ‘instant small cash loan’ or ‘cash loans online instant approval’ then it is important to keep in mind that Nifty does not guarantee instant cash. We conduct a thorough assessment of all personal loan applications. Although this may not happen instantly, it does happen pretty fast. If you apply during AEST business hours you could have an outcome on your application in just 60 minutes. 

Once approved the cash could be in your account in 60 seconds*. Trust Nifty to provide safe, reliable and fast cash when you need it. 

*For NPP and Osko enabled bank accounts. 

Who can apply?

We have simple requirements that you must meet to be eligible for instant cash online loans. To apply for an instant cash loan, you must:

  • All applicants must be at least 18 years old
  • You must be able to prove you are an Australian Citizen or Permanent Resident
  • All applicants must have been receiving income into a personal bank account for at least the last 3 months
  • Have an active mobile number and email address

How can I apply?

At Nifty, we’ve made the application process as streamlined as possible so you can apply for the cash you need without any hassle. Here’s what you’ll need to do:

Apply online

Our application process is completely paperless. If you’re ready to get started just head to the top of the page and use our loan calculator to enter your loan amount and your desired repayment period. You will then be able to see what your weekly, fortnightly or monthly repayments could be. 

Fill out the form

As we mentioned, Nifty’s application process is completely paperless. We will, however, need a few important details from you to properly assess your application. Our 100% online application form could only take you a few minutes to complete.

We assess your application

Once you’ve submitted your online application form you can kick back and relax. Our team will do all the hard work. We’ll assess your application and do our best to match you with an appropriate loan product. Keep in mind that if you submit your application during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes. 

Sign your agreement 

If the Nifty team has successfully matched you with a personal loan we will send over an agreement for you to review and sign. The Nifty team encourages all borrowers to read through their agreement carefully. It is important to make sure you are aware of any fees or charges that could incur for payment defaults. If you’ve got questions the Nifty team are more than happy to help.

Get your cash 

As soon as we receive a signed copy of your contract our team will transfer the funds straight into your account. If your bank account is NPP or Osko enabled you could have the cash in your account and ready to use in just 60 seconds.   

Why choose Nifty?

So, why choose Nifty? Here are just a few reasons why we think Nifty is the best choice in online lending:  

Simple and super-fast applications

We know the pain of filling out lengthy applications and receiving a fair few rejections – it’s never fun. That’s why we don’t make you fill mountains of paperwork to apply for a loan. For our cash loans online instant approval, all you have to do is provide a few details and you may just be able to complete your loan application within a few minutes. You could even apply for a short term loan with Nifty today!

No fees for paying off the loan early

We never charge any fees for paying off the loan early. In fact, when you pay off your loan early, you might be able to save money on fees and interest.

Fast Outcomes

When you apply with Nifty, you don’t have to wait for days to get an outcome on your application. We may just let you know the outcome within 60 minutes (during AEST business hours).

Speedy funds

If your personal bank account is NPP or Osko enabled you could have the cash in your account and ready to use in just 60 seconds once approved. How fast is that! 

Simple repayments

If you think our application and instant online cash loans approval process is a breeze, you’ll find our loan repayments even easier. You’ll be set with a direct debit that’ll automatically come out of your account, generally in line with your payday. This way you won’t have to worry about remembering to transfer your payments, you just need to ensure you have the funds available in your account on your repayment day. 

When you repay your quick loan, the payments stop. It’s that simple. You could get a very fast cash loan today!

Want to read more? 

Head to our blog to read more from the Nifty team.

Find out how you could get a cosmetic surgery loan.

Are You Looking For Instant Cash Loans Online? Why Not Apply Now With Nifty! Overall rating: ★★★★★ 4.6 based on 232 reviews
5 1

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.

We don’t stop there

No matter what the occasion is, Nifty has your back.