Instant loans, approval online? Anyone claiming to be able to give you an instant loan is a magician, but we offer quick finance up to $4,600.

How much cash do you want?
How long do you want it for?

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.


The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%)

Instant loans outcomes from $300 to $4,600. Apply Now!

If you are looking for instant loans online, go no further than Nifty Loans! In a nutshell, our loans, which have instant loans outcomes also known as conditional instant approval, are small personal loans that you apply for 100% online. Our conditional instant approval loans range from $300 up to $4,600, that you repay over 3 to 24 months.

So what are instant loans?

Instant loans generally means just really, really fast loans! Some instant 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?

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 only take us 60 short minutes during business hours to finish assessing it and come back to you with a final response. 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:

  • 100 points of ID – this is so we can have proof of your age, and of your nationality/residency
  • Your internet banking details, so that 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 Niftys loans with 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 get instant loans, you need to be:

  • At least 18 years old or above
  • An Australian citizen or permanent resident
  • Receiving a regular income for 90 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 instant approval loans?

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

  1. Submit application online – This part usually takes most applicants about 4 minutes to complete! You can find this form at the top of the page when clicking the Apply Now button.
  2. Get conditionally approved – Based on your personal details we will determine if one of our loans is suitable for you.
  3. 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!
  4. We assess your situation – As responsible lenders, we want to make sure you can comfortably pay back one of our loan products.
  5. Money transferred – Once approved, the money will be transferred to your account shortly. The latest these should be available in your account is overnight.

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

The great news is that you can get instant loans outcomes 100% online, no matter where you are in Australia. So, all you need to do is jump onto our website and click APPLY NOW and you are on your way to getting your loan. Also, to be eligible to apply for one of our Nifty instant loans outcomes, you need to be a permanent resident over the age of 18.

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

The great thing about getting instant 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 get a loan with us!

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. You just select which date you would like your payments to come out  – either weekly, fortnightly or monthly – 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 instant loans 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 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 then provide you with an outcome within 60 minutes (during normal business hours). Once your loan has been approved and your online contract is accepted, we will transfer the money straight into your bank account!

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?

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 instant loans.

At nifty we believe that being on Centrelink benefits shouldn’t mean that 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 try and offer a conditional instant approval.

Questions to ask yourself before applying for instant loans

Before you apply for instant loans in general, 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 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 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 help! We won’t treat you like just another number or liability, like some lenders will.

Therefore, all we ask for is 90 days worth of bank statements 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 approval 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 an 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. Range from 1-6 months.
Loan types available Fixed Personal Loans
Lender Nifty Personal Loans

who can apply?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%


Loan Amount: $500
Term: 10 weeks, repayable weekly
Principal amount: $500
Establishment fee: $100
Total other fees: $60
Total monthly fees: 4% per month over 10 weeks
Total payable: $660
Weekly installments: $66

medium personal loans.

  • Loan amounts: $2,001 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 66.0347%


Loan Amount: $3,000
Term: 18 months, repayable weekly
Principal amount: $3,000
Establishment fee: $400
Total other fees: $1,378.87
Total payable: $4,840.14
Weekly installments: $61.27

Want to know something nifty? See how it works!

How customers rate Nifty’s Instant Loans?
plf Overall rating: 4.3 out of 5 based on 56 reviews.

Quick personal loans

5 5 1
I was very happy with the service that I have received and I would recommend your service to family and friends It was extremely simple to apply and they were only a phone call away if i needed assistance. It was hard waiting to know if i was approved but it all went through within an afternoon.

Very helpful

5 5 1
I am very happy with the help and commutation Level between myself and Nifty Finance. Massive help in a sticky situation.

Fast Outcome

5 5 1
I was pretty surprised how quick it was - great serivce - thanks!

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