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(%)

What are instant loans?

For Instant loans online go no further than Nifty personal loans. 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!

What do I need to provide to get an instant loan approval?

Well we’re glad you asked we have a really Nifty slider tool at the top of the page which can give you all the information you are looking for and you can Apply from there!

Where do I get an instant loan with Nifty?

Once you have all those boxes’ ticked then we can move onto the easy 4 minutes online application process!

  1. Submit Application online – this part usually takes most applicants 4 minutes to complete!
  2. Get conditionally approved – based on your personal details we will determine if one of our loans is suitable for you.
  3. Supply supporting data – Unlike most lenders we utilise the latest and safest banking technology that will obtain 90 days of bank statements in 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 upon approval – Once approved the money will be transferred into your account within 60 minutes.

Nifty 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!

Where do I get instant loans within Australia?

We are 100% online!

So all you need to do is jump onto our website and click APPLY NOW and you are on your way to your loan.

Also to be eligible to apply for one of our Nifty instant loans you need to be a permanent resident over the age of 18 and have a personal bank account with at least $400 a week being deposited. Instant loans with Nifty are that easy!

We try to assess most of the 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!

What if I have any questions or problems during my instant loan period

Well let those worries go because here at Nifty personal loans we pride ourselves on customer service excellence.

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!

What is instant approval?

So what is instant approval?

You hear this term quite often these days “instant approval” but what does it really mean?

Well here at Nifty an instant approval is a yes or no answer on receiving your completed application form instantly.

We don’t like fuss so here at Nifty one of our key goals is to get you that critical yes or no answer straight away.

Once you have your approval we can have the funds transferred into your account within 60 minutes!

Can I get a fast personal loan while I’m on Centrelink?

Absolutley! As long as you are receiving at least $400 a week or $800 a fortnight into a personal bank account, you are eligible to apply for a fast personal loan with Nifty!

Do you do credit checks?


Either way Nifty is here to help, we won’t treat you like a number or a liability like some lenders.

Therefore all we ask for is 90 days worth of bank statements which can be obtained by you 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 52 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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