Instant Loans From $300 To $5,000. Apply Now! – That’s Nifty

instant loans

We have a quick application partnered with fast outcomes and speedy cash! But we also take time to access your application and deliver a suitable outcome.

If you are looking for online loans, at Nifty Loans we can offer just that! In a nutshell, our loans, also known as conditional instant approval loans, are small personal loans that you apply for 100% online. Our conditional quick loans range from $300 up to $5,000. Loans from $300 to $2,000 can be repaid over a 3 to 6 month period and loans over $2,001 can be repaid over a 12-24 month period.

So what are instant loans?

So you have heard the term thrown around on the internet, by what qualifies as an instant loan? Instant loans generally means loans that are approved and money is available instantly, either in your bank account or in cash.  Some fast cash loans offered by finance companies are simple, quick loans where the funds are transferred instantly into your bank account if you’re approved.

What do we mean by conditional instant approval?

As we have said above, we ourselves don’t offer instant approval loans, but 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 are 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. 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 your application is conditionally approved, it will usually only take us 60 short minutes to finish assessing it and come back to you with a final response (during business hours). Yep, it’s that quick!

What do I need to provide to get a conditional instant loan approval?

It’s really simple to get personal loans with Nifty Loans. 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:

  • Your internet banking details, so that you can provide your bank statements and we can do a financial assessment to work out whether you can afford to repay the loan
  • A contact number and email address so that we can contact you with the status of your loan application
  • You will also need to meet our other basic eligibility requirements

What are the eligibility requirements for nearly instant loan outcomes?

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 need to be:

  • At least 18 years old or above
  • An Australian citizen or permanent resident
  • Receiving a regular income for 90 days prior to applying.
  • Must have a contact number and email address
  • Need to have internet banking set up with your bank

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

How do Nifty’s conditional quick loans?

The way our application process works happens in a few simple steps.

  1. Submit application online –  You can find this form at the top of the page when clicking the Apply button.
  2. Supply supporting documentations – Unlike most lenders, we utilise the latest and safest banking technology that will obtain 90 days of read-only copies of your bank statements in mere seconds!
  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 within Australia?

The great news is that you can get loan outcomes 100% online, no matter where you are in Australia. 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 you an instant outcome, whether that be a conditional approval or that the application was unsuccessful.

Where can I apply for a loan with instant loan outcomes with Nifty?

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 so that your repayments come out of your account 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.

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 filled out your completed instant loan application form it will be assessed by our team, who will do their best to provide you with an outcome within 60 minutes (subject to workload business hours). Once your loan has been approved and your online contract is accepted, we will transfer the funds into your account provided the contract was signed before 4:30 pm AEST on banking days. Depending on inter bank transfer times, the latest you will receive them will be overnight.

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. Whether you are having trouble with your loan application, or you need to speak to someone throughout the duration of your loan contract, there will be someone there to help you out!

What if I have any questions about my loan?

Like we said above, you’ll 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 queries regarding your loan, our customer service operators are standing by to solve your problems and ease your mind!

Can I get a fast 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 and we’ll do our best to offer you a personal loan.

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.

Do you do credit checks?

Yes, we do conduct credit checks. It’s part of our duty as responsible lenders. 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 find it most important to look at your recent financial history. That means we look at your current income and spending habits to get a more accurate representation of your relationship with money and ability to pay back your loan. Either way, Nifty Loans is here to try to help! We won’t treat you like just another number or liability like some lenders will. So, looking for instant loans? Apply for speedy loans today!

Therefore, we ask for is your bank statements and, if applicable, your Centrelink statements, all of which can be obtained online in seconds! Now that’s a Nifty loan! Finally, if you are in need of a Nifty loan then why not try us!

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 3-24 months.
Loan types availableFixed Personal Loans
LenderNifty Personal Loans

Read more about quick loan approval online!

Do you need to get money quickly? Nifty could lend a hand!

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



- james


Types of loans