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

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.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

*Only available for NPP enabled bank accounts

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.

Looking for Instant Loans? Get Fast Outcomes on Loans Up to $5,000 With Nifty

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 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!* 

Instant Loans

What are instant loans?

Instant loans are generally loans that are approved and transferred instantly, with the cash available in seconds rather than days. 

Nifty doesn’t claim to offer ‘instant loans’ but we do offer some seriously fast outcomes! The main reason we can’t promise you an instant loan is because 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 Nifty?

Our personal loans range from $300 up to $5,000. Small personal loans from $300 to $2,000 can be repaid over a 6 to 9 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! 

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. 

Conditional instant approval

Nifty can’t offer instant approval loans due to our responsible lending practices, 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 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 short minutes to finish assessing it and come back to you with a final response. That’s Nifty Loans!

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 ability to pay back your loan. 

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

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:

  • 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

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 true and correct. 

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 instant loans work?

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

  • Submit an application online –  You can find this form at the top of the page when clicking the Apply button.
  • 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!
  • Get conditionally approved – Based on your personal details we will determine if one of our loans may be suitable for you.
  • 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.
  • 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 wont charge you either. Simple as that.

Where can I apply for an instant loan? Think Nifty instead!

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.

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!

1. 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!

2. 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, 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.

3. 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?

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 queries regarding your loan, our customer service operators are standing by to solve your problems and ease your mind!

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!

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.

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

Lender

Nifty Personal Loans

Learn more!

Read more about quick loan approval online!

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

*Subject to when you submit your application

**Only available for NPP enabled bank accounts

Our Happy Customers

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Loan Costs

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
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
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
* 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.