Instant Loans | Quick Decision and Instant Funds Transfer

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

Estimated repayments:

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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.

Instant Loans Australia

Can I get an instant loan?

There are plenty of lenders out there claiming to offer instant loans online. However, many may cut corners to get these fast outcomes. If you’re on the hunt for instant personal loans, you’ve come to the right place! Nifty Loans can provide some seriously fast outcomes on personal loans up to $5,000. Our application is simple, easy and super quick. For most of our customers, it takes only a few short minutes to submit an application. Best of all, if you apply during business hours, we could have an outcome for you in 60 minutes!* 

Conditional instant approval

Nifty can’t offer instant approval loans due to our responsible lending practices. However, we do offer conditional instant approval! Wondering what we mean by conditional instant approval? While we don’t transfer your funds the instant you apply, we do it fairly quickly! So, what is conditional instant approval?

It means that as soon as you submit your loan application, we automatically tell you whether you have been conditionally approved or not. From here we will just need to quickly verify the information you have provided in your application. We’re not in the business of wasting anyone’s time. Therefore, if we’re not able to make you an offer, we’ll let you know as soon as possible.

If you apply during our business hours and your application is conditionally approved, it will usually only take us 60 minutes to assess your application. We’ll then come back to you with an outcome. That’s Nifty Loans!

What is responsible lending?

Responsible lending practices means that the lender won’t offer you a loan you can’t afford to pay back. In addition, the lender should offer you a loan that suits your needs and financial circumstances. This is to ensure consumer protection. Nifty adheres to responsible lending, as well as full transparency. We will only offer you a loan if we believe that you can comfortably pay it back. 

We have no hidden costs or fees associated with our loans. All the costs of your loan will be clearly outlined in your contract for you to review before you sign. 

Instant loan FAQs

What are instant loans?

Instant cash loans online are generally loans that are approved and transferred instantly. Instead of waiting days to receive your cash, you could get it in seconds.  

Nifty doesn’t claim to offer ‘instant loans’ but we do offer some seriously fast outcomes and instant fund transfer**! The main reason we can’t promise you an instant personal loan is that we can’t guarantee approval. We take pride in being responsible lenders and that means that we will always assess our applications. 

The good news is, we use some of the best tech around to streamline the assessment of your loan application. So, you could have an outcome in just 60 minutes if you apply during business hours. Now that’s pretty close to instant!

How much can I borrow with an instant loan?

Our personal loans range from $500 up to $5,000. Small personal loans from $500 to $2,000 can be repaid over a 6 to 12 month period and medium loans from $2,100 and over can be repaid over a 9 to 24 month period. Our large loans of $5,000 can be repaid over a period of 9 to 24 months. 

Medium and large loans are secured, meaning you will need to provide an asset for security. This could be anything from your car to your caravan! 

Do you do credit checks?

As part of our responsible lending practices, we do conduct credit checks. However, the good news is that your credit score isn’t the only thing we look at when it comes to assessing your application. We also look at your recent financial history, like your current relationship with money and your bank statements. This enables us to get a more accurate representation of your relationship with money and your ability to repay your loan. 

Am I eligible for an instant loan

As part of our responsibility as responsible lenders, we can’t just lend to anyone. We have a set of eligibility requirements our clients have to meet before we can approve their application. To apply you must:

1. Be at least 18 years old or above;
2. Be an Australian citizen or permanent resident;
3. Have received a regular income for 90 days prior to applying;
4. Have a contact number and email address;
5. Have internet banking set up.

And that’s about it! Once you’ve ticked off all the boxes you can go ahead and apply for a loan with us.

What information do I need to apply?

It’s really simple to get personal loans with Nifty. All you have to do is fill out the application form. For us to process your application you will need to provide us with the following information:

1. Your internet banking details;
2. Personal contact details (i.e. phone number, email address etc.) 
3. The reason for your loan;
4. Employment information
5. myGov details (if you receive Centrelink) 

Just remember, our conditional approval is based on the information you have provided in your application. So please ensure that all information in your application is correct. 

How do I apply for an instant loan?

1. Submit an application online:  You can find this form at the top of the page when clicking the Apply button
2. Supply supporting documentation: Provide the necessary documentation and fill out the required fields
3. Get conditionally approved: Based on your personal details we will determine if one of our loans may be suitable for you.
4. We do a final assessment of your situation: As responsible lenders, we want to make sure you can comfortably pay back one of our loan products.
5. Money transferred: If approved, the money will be transferred to your account shortly. The latest these should be available in your account is overnight (when accepted during business hours).

Where do I get a loan with instant outcomes in Australia?

Instant loans are closer than you think. The great news is that you can get loan outcomes 100% online, no matter where you are in Australia. While they are not always instant, they can be extremely fast. So, all you need to do is jump onto our website and click ‘Apply’ and you are on your way to getting your loan. Once you apply, we will get back to you with an outcome in no time! Whether that be a conditional approval or that the application was unsuccessful. 

We will not charge you any fees if you’re not approved. If you are approved but don’t want to proceed with your loan application, we won’t charge you either. Simple as that.

Where can I apply for an instant loan? 

The great thing about getting quick cash loans with Nifty Loans is that you don’t even need to leave your house. You can get your loan 100% online within the comfort of your own living room. All you need is a device that connects to the internet. So, no matter where you are in Australia, you can apply for a loan with us! Again, once you apply, we will get you an instant outcome, whether that be a conditional approval or that the application was unsuccessful.

How do I repay my loan?

The way our repayment process works couldn’t be easier! We help you to set up a direct debit from your nominated bank account, so that your repayments come out automatically. We just select which date and frequency your payments will come out based on your bank statements and we’ll set that up for the term of your loan. Once your loan is completely paid off, the payments will stop automatically, so there’s no need to worry about being overcharged.

Can I get an instant personal loan while I’m on Centrelink?

You can indeed! Being on Centrelink does not necessarily exclude you from almost instant loans.

At Nifty, we believe that being on Centrelink benefits shouldn’t mean that you can’t have access to much-needed finance when it counts. We will still perform the same assessment of your application to ensure that you can comfortably afford to repay the loan. However, we could see your Centrelink payments as a valid source of income. Everyone needs an instant loan from time to time and every situation is different. Apply with us for free and find out if we can help you today!

Why choose Nifty Loans for fast loan outcomes?

We are among the most competitive personal loan specialists in Australia. We are 100% online which means you can get your loan application processed and approved from the comfort of your lounge room or office!

Nifty Loans can help solve your cash flow headaches!

Is there a great deal that you just can’t miss out on? Or are you in need of a small loan to get a bill out of the way fast? Then a Nifty nearly instant loan could be just what you are looking for! Let us help you solve your cash flow problems!

We assess applications within 60 minutes during business hours!

Once you have submitted your loan application, it will be assessed by our team. If you apply during our regular business hours, you could get an outcome in 60 minutes. Once your loan has been approved and your online contract is accepted, the funds could be in your account in just 60 seconds**! Further, depending on inter-bank transfer times, the latest you will likely receive your cash will be the next business day.

We have an amazing customer service team

One of the things we are very proud of here at Nifty is that we have an incredible team of staff members who are here to help you along the way. If you need to discuss your loan contract or are having trouble with the application, there will be someone there to help you out! 

What if I have any questions about my loan?

We’ll make you feel assured to know that we are here for you every step of the way. Anytime, you need assistance throughout your loan journey, we are here for you! If you have any questions or concerns to do with your loan, our customer service team are here to solve your problems. 

Questions to ask yourself before applying for fast loans

Generally, before you apply for nearly instant loans, there are a few things to ask yourself before you take the leap:

Can I afford the repayments?

This is an important question to ask because nearly instant loans are still required to be suitable and affordable for you. You can get an idea of this yourself using a budget planner to help you work out whether you can comfortably fit the repayments into your budget.

What do I need the loan for?

A good question to always ask yourself before you apply for an instant loan is why you need the loan in the first place. Is it to pay for something in particular? Or is it just to help you get by with your day to day expenses? If that’s the case, it may be worth re-considering your reason to borrow.

5 things you can now do/get instantly online!

We live in a time where advanced technology allows us to access many things online, all at the touch of a button. Today, companies are opting to go online in order to allow customers to have easy access to their services at a time that best suits them. This is beneficial for both the company and the customer as it provides a quick process from start to finish. Here are just a few things that can be done instantly online:

  • Shopping – Shopping remains as one of the most popular online activities for people around the world. One reason why it is so popular is due to the fact that it is both quick and convenient. This is especially helpful to those customers who struggle to find free time. For example, office workers, working a regular 9-5, may find it hard to squeeze a shopping trip into their busy schedule. Online shopping can break this barrier by allowing instant access to millions of different products all from the comfort of home. Weekends are now spent enjoying time away from work rather than fighting crowds and spending hours standing in long queues at stores! From food and furniture to clothes and equipment, whatever you need is just a few clicks away! 
  • Australian Tax Office (ATO) –  The ATO now offers single touch payroll (STP), this is a new way of reporting payments completely online. It works by allowing employers to submit their payroll information, such as; salaries, bonuses, tax and super, directly to the ATO for each employee. As this information is sent after each pay-run, it allows employees quick access to their data through their MyGov account. At the end of the financial year, all data is accessible through the ‘Income Statement’ which makes lodging tax returns easier than ever. Eventually, all employers will use this system to send reports as it is quick, easy and provides accurate record keeping. 
  • Instant Transfers – Instant transfers are becoming increasingly popular as a way of transferring funds. The NPP (New Payments Platform) is a faster, simpler way to send and receive money. Several financial institutions are now using this way of transferring money as payments as made in real-time using smart technology called Osko. It’s now a must-have for many businesses as it provides great service and a smooth transition between payment and consumers as it is received instantly. With the help of NPP it allows payments at any time as it operates 24 hours a day, 7 days a week.  Beem It is also a new instant payment app used to pay, request, transfer and split money between different banks. Once set up, all you require to send money is that person’s username (made upon set-up) or mobile number and that’s it. It’s available to use across Australia provided you have a Mastercard or Visa debit card. With Beem It, it’s never been easier to split a dinner bill with friends and helps to avoid those awkward money chats we all dread! 
  • Learn a language – Ever wanted to learn a new language to increase your cultural knowledge but didn’t think you have the time or money to? Well, learning a new language is now cheaper and easier than ever. You can now learn several languages from the comfort of your home or even on the commute to work. With websites and apps such as Babbel, Duolingo, FluentU, which are available on most devices, you can personalise your learning in easy bitesize lessons which can be completed in as little as 15 minutes. As the lessons are short, it is an effective way of learning and before you know it you’re able to speak in your language of choice clearly and confidently. 
  • TV & Movies – Having access to all the tv shows and movies you want to watch is a lot simpler than it used to be a few years ago. Gone are the days of getting into the car, heading to the local Blockbuster store and searching the aisles for a movie you want to spend the evening watching. In today’s instant world, all you need is an internet connection and access to sites like Netflix, Stan or Apple TV that have this on-demand. Just search, play and get curled up ready for your cosy night in.

Apply today!

We’re Australian, we’re 100% online and our Fast outcomes is second to none! So APPLY NOW and start your partnership with Nifty NOW!

Who is this product for?

Those who are caught short cash by an unexpected expense.

Who is eligible for a nearly instant loan?

Those who receive a regular income from an employer or Centrelink.

Available repayment terms?

Repayment terms will vary depending on each applicant’s financial situation. Ranging from 6-24 months.

Loan types available

Fixed Personal Loans


Nifty Personal Loans

Learn more!

Read more about quick loan approval online!

Do you need to get money quickly? Whether it’s Brisbane or Western Australia, Nifty could lend a hand!

*Subject to when you submit your application

**Only available for NPP enabled bank accounts

Apply Now

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.