Nifty easy approval loans, 100% online, 4 min application! Amazing customer service! what are you waiting for? Apply Now!

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(%)

Easy Approval Loans: An Easy Financial Pick-me-up | Up To $4,600

Nifty Loans is a 100% online loan company. We are ready to service all your personal loan needs and give you a helping hand when you need a financial pick-me-up. We offer easy approval loans that are fast, simple and convenient. Have your quick buck in a jiff with Nifty Loans’ easy approval loans.

What are easy approval loans?

Easy approval loans are a fast processed loan for those people who, from time to time, find themselves in need of some extra cash. Quick approvals, fuss-free repayments, loans approved within 60 minutes! We utilise the latest in safe banking technology to ensure all your information is kept private.

Think easy approvals, think Nifty Loans. All applicants have the right to an easy and fast personal loan experience. Whether you’re a jet-setter or a stay-at-home parent, you can apply for our easy approval loans at your own convenience.

Furthermore, here are three main features of our easy approval loans:

  • Online applications
  • Online approvals
  • Online customer service

With our service 100% online, you can minimise time wasted at the bank waiting in the never-ending queue or long-winded meetings.

Nifty Loans’ approval rates are higher than the Sydney New Years fireworks. We do adhere to responsible lending practices, however, we encourage everyone to apply for easy approval loans.

How to apply for easy approval loans

Applying for easy approval loans online couldn’t be easier with Nifty’s simple application process.

Firstly, before applying for easy approval loans, it’s important to check our eligibility requirements. To be eligible for an easy approval loan, here are the 4 minimum requirements:

  • Be 18 years of age,
  • An Australian citizen and have a permanent resident
  • Receive a regular income into a personal bank account for at least 3 months
  • An active phone number and email address

And that’s it! If you tick all these boxes you are ready to apply for easy approval loans.

In addition, to get your application off to a strong start, you’ll want to have all these details readily available:

  • Name and address
  • Date of birth
  • Centrelink statements (if applicable)
  • Bank account details

Now that you’re ready to apply, you be may wondering, how do I apply?

To help your cash loans application breeze by, here are 4 steps to follow when completing your application:

Step one: Apply online

To begin your easy loans online approval, check out our Nifty slider at the top of each webpage. Firstly, select how much you wish to borrow and for how long. Then, select how frequently you want to make your repayments. Once you are happy with your selected loan terms, click Apply, and you’ll be sent straight to the application page.

Complete our 4-minute easy approval loans application from the comfort of your living room! Begin brewing a calming cup of tea, and it’ll be ready to enjoy once you’ve completed our speedy loan application.

Step two: Instant response

If you are eligible for one of our easy approval loans, we will advise you straight away! No waiting anxiously for a response. We will continue to assess your application to see if we can approve you for you our easy loans. Keep a keen eye on your notifications because if we need extra info we’ll send you a text or an email.

Step three: Assessing your application

We adhere to responsible lending practices whilst we are assessing your application, so we only approve applicants that can afford the repayments. We utilise safe banking technology to take a look at your income and spending habits. In your easy approval loans application, we ask for your banking details. Using the latest in banking technology, we are able to access a read-only copy of your expenses and accounts. This helps us assess whether you are suitable for one of our no-paperwork loans.

Step four: Collect your Moolah!

Once you’ve heard the good news, we will send your funds directly to a nominated bank account. Delivery times will vary depending on the speed of your bank, however, the latest will be overnight. Whilst you wait, daydream about all the benefits of receiving your easy approval loan!

You think an Australian Tiger Beetle is quick? Well, you haven’t met Nifty Loans

Our application and processing is 100% online. And in case you haven’t noticed, we very proud of that fact. We have designed a personal loan application and approval process that is efficient and saves everybody precious time.

Furthermore, being 100% online allows us to offer our customers much more, for example, lower costs than other more traditional lenders, amazing customer service in Australia and most of all loan approval within 60 minutes! Now that’s Nifty!

Credit checks and Responsible Lending

<8>You may be wondering ‘I have bad credit and have been rejected by traditional lenders’. Well, don’t let that deter you from applying for easy approval loans with Nifty Loans.

However, in conjunction with our responsible lending practices, we do perform a credit check as a part of your application process. We believe that steering clear from no credit check loans is an important variable in lessening unhealthy debt.

We do perform credit checks but don’t let that put you off applying for our easy approval loans. Furthermore, we are more lenient than more traditional lenders, because, we access your past and present finances. We offer applicants easy loan approval for bad credit if we believe they can repay the loan. If your current finances don’t reflect your poor credit history we will consider you for instant-approval loans.

Nifty Costs: All the answers you’ll ever need

At Nifty, we believe that all relationships, whether personal or professional, should be based on honesty. So, we carry that philosophy throughout all our loan services. That’s why all our costs are 100% transparent; no asterisk costs hidden at the bottom of the page in 8pt font!In addition, for your reference, here is an outline of the costs of all our loan services:

Small personal loans (perfect for pesky utility bills): unsecured loan starting at $300 to $2,000, and must be repaid over 3 to 6 months:

  • Establishment fee: Once-off 20% establishment fee. The amount will be built into repayments – you won’t even notice it’s there
  • Ongoing fees: Monthly fee of 4% of the principal. This is charged per month until the outstanding balance is settled
  • Other fees: If you fail to make your repayments we will add an additional $27.50 to your bill. So, make sure to stay on top of your instant loan approval repayments

Medium personal loan (perfect for your next set of wheels): secured loan of $2,100 to $4,600 and requires a car, motorbike, boat or caravan as security.

  • Establishment fee: Once-off fee of $400. This amount will be built into your repayments
  • Ongoing fee: The annual percentage rate of 48% of the principal. This cost is charged per month until the outstanding balance is paid off
  • Other fee: If any repayments are missed, an extra charge of $27.50 is added to your account.

And that’s it! When you’re considering easy approval loans with Nifty, these are the costs you should be aware of.

So, with all this talk of costs, we thought you needed some good news! If you pay your easy approval loan off early, there is no extra charge.

There are no extra costs to pay out your loan early. In fact, paying out your loan earlier will save you money on fees and interest!

how much can you borrow from nifty?

Nifty easy approval loans are small amount loans usually between $300 to $4,600.  So, anywhere in between that range could be approved depending on your financial circumstances. In addition, our loan terms range from 3 – 24 months. Personal loans larger than $2100 require a motorbike, caravan, boat or car as security.

Unemployed and easy approval loans

Unfortunately, as part of our responsible lending practices, we require our applicants to be receiving a regular income for the past three months.

So, what if you are receiving a Centrelink payment?

If you are receiving a regular income into a personal bank account, you will be eligible for one of our Nifty easy approval loans. Furthermore, we consider Centrelink payments a form of income, and we accept most Centrelink payments, expect Newstart, Youth Allowance and Farm Household Allowance.

What happens after your approved

Once your easy approval loan has been approved, we will email you a formal contract for you to sign and, once we receive the signed copy, the funds will be released to your account instantly.

Easy repayments

Repaying your Nifty personal loan couldn’t be easier!

We will set up a direct debit that works in with your pay structure and affordability, and once your loan has been repaid, the direct debit will automatically stop. We use the latest in safe banking technology to debit your nominated bank account for the correct repayment.

Ongoing support

At Nifty Loans, we believe in quality customer service, even though we will only meet online or over the phone. If you ever have any enquiries about your current cash advance loan, please don’t hesitate to contact one of our loan specialists. Send us a quick message here or give us a ring on 1300 471 328.

Also, Meet our A.I bot David! He is available 24/7, he doesn’t need sleep (unlike our loan specialists)! Outside of business hours, he is your best port of call if you need a question answered urgently. If you’re unaware of our business hours, here they are for:

Mon – Thurs 8:00am – 5:00pm
Fri 8:00am – 4:00pm
Sat – Sun CLOSED

Therefore, if you do make an enquiry outside of business hours, our loan term will respond to your request within 2 hours of the next business day.

Find out if easy approvals are the right loan for you

Who is this product for? Those who are looking for a fast processing short term loan
Am I eligible to apply for an easy approval loan? Must be over 18 Years of age. A permanent Australian resident. Receive a regular income into a personal bank account for at least 3 months.
What repayment terms are available? Range from 3-24 months. Repayment terms will vary depending on each applicant’s financial situation.
Loan types available Fixed Personal Loans
Lender Nifty Personal Loans




Let’s be friends!

So, now you know what we’re all about, we want to meet you! If you’re looking for a financial pick-me-up and want to work with a loan service that cares about your finances – look no further than Nifty Loans!

No need for nasty paperwork! We are 100% online! That means managing your time and cash just got a whole lot easier.

You can apply for a Nifty easy approval loan anywhere, any time because we are 100% online. All you need is an internet capable device and you can apply and have your Nifty easy approval loans approved in 60 minutes.

If you have unanswered questions about our service, you can head to the FAQs page and see if your answer is waiting for you.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

How to qualify for a nifty easy approval 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 for at least 3 months.

Receive at least $400 per week or $800 per fortnight from an employer or Centrelink.


Not be in financial hardship or be considering entering any form of bankruptcy.

You must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).


You must not have received a Centrelink Emergency payment within the last 3 months.


Able to give us an active mobile number or email address.

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

How customers rate Nifty’s Easy Approval Loans?

easyapprovals Overall rating: 5 out of 5 based on 3 reviews.


5 5 1
Nifty make sure that you only borrow what you can afford.they work out comfortable repayment amount ...truly happy. Rj

Amazing service helped me so much

5 5 1
I can't believe how much you guys have helped me with my finances as I was short of funds. I can't say enough about the service you guys go out of your way to help people and I am so grateful I found you website will be recommending your service to everyone. Keep up the great service.

Best loan company to go through

5 5 1
I have not had much luck with any other loan company but NIFTY gave me a go and I would advise others to go through NIFTY as well.

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