Instant loans approval online? Anyone claiming to be able to give you an instant loan is a magician, but we offer quick finance.
Need some fast finance? We're here to help.
WARNING: Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
- For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
- Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
- If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments
The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009
Instant Loans? Well, it’s not like instant soup. We offer quick finance – but instant approval online? Anyone claiming to be able to give you an instant short term cash loan is either a magician or is having you on a bit. The latter sounds about right (and anyway, would you be able to trust a magician?) We offer minimal wait time (up to an hour to get a result from an application) and less fuss (being online, there’s no paperwork, no queuing at the bank or Centrelink to get statements) and no hidden charges. Add an extra helping of service and what more could you want from your lender?
Who is Nifty ?
We’re Nifty! A small amount credit provider here to better serve the needs of the Australian community. We lend small amounts ($100 – $1000) for small periods of time (9 weeks – 6 months), take a small amount of time to assess your needs and hardly any time at all to get those funds to you. We take care of you first. You won’t be disappointed. There are many small amount lenders in Australia but few whose actions live up to their words. Ours do and that’s a promise. Put us to the test.
HOW TO QUALIFY FOR NIFTY INSTANT LOANS
You are at least 18 years of age.
You are an Australian Citizen or Permanent Resident.
Receive a regular income into a personal bank account.
Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.
Responsible Lending – it’s a given
It’s not just about being compliant with legislation. Responsible lending goes further than that. It’s about a duty of care to you as a consumer to ensure that by approving instant loans, we will not be putting you into a position of financial hardship with the loan repayments. It’s all about respect for you and understanding your unique situation. If we cannot approve your application, we’ll let you know and give clear reasons.
Responsible lending also encompasses the responsible handling of your personal data. Nifty employs the latest technology not only to make the application process comfortable but also to safeguard your data. We use an approved banking gateway which (through you) gives us access to your banking transactions (which we need in order to assess your financial position) but we never have direct access to your account. We could never find out your banking password and login details.
As long as you’re an Australian resident, over 18 years old and have regular banked income, you are welcome to apply for a Nifty loan providing you meet out basic eligibility criteria.
Making the process smooth for you
Smooth = allowing an even, uninterrupted movement or flow. Smooth is fast and hassle-free. Usually, you need the money fast. So, banks and other big lenders are just not agile enough – they’re too big and slow. Nifty will give you a result within 60 minutes most of the time.
How customers rate Nifty’s Instant Loans