We offer easy approval loans, for when you need a quick pick-me-up
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 can offer personal loans that are fast, simple and convenient. You could have a quick buck in a jiff with Nifty Loans.
What are easy approval loans?
Fast loans are a fast processed loan for those people who, from time to time, find themselves in need of some extra cash. Quick outcomes, fuss-free repayments, loans can be approved within 60 minutes. Sounds good, right? Nifty Loans strive to make the process between application and deposit as quick and hassle-free as possible.
Think easy outcomes, think Nifty Loans. Whether you’re a jet-setter or a stay-at-home parent, you can apply for online loans at your own convenience.
Furthermore, here are three main features of Nifty Loans:
- Online applications
- Online approvals
- Online service
With our service 100% online, you can minimise time wasted at the bank waiting in the never-ending queue or long-winded meetings.
We do adhere to responsible lending practices, however, we are here to help everyone to apply for a speedy personal loan.
How to apply for personal loans
You can apply for online finance, and with Nifty it couldn’t be easier:
Firstly, before applying for quick loans, it’s important to check our eligibility requirements. To be eligible for a quick outcome 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 a easy approval loans that you can offer.
In addition, to get your application off to a strong start, you’ll want to have all these details readily available:
- Active contact details (Mobile Number, email address, etc.)
- I.D (Drivers license, POA Card, Passport, etc.)
- My Gov Details (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 an application for 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 an 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 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 using your bank statements. In your 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!
If hear the good news (that you’re approved), we will send your funds to a nominated bank account. Delivery times will vary depending on the speed of your bank, however, the latest will be overnight.
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 so much more. Think lower costs than other more traditional lenders, amazing customer service in Australia and quick turn around times!! Now that’s Nifty!
Credit checks and Responsible Lending
You may be wondering ‘I have bad credit and have been rejected by traditional lenders’. Well, don’t let that deter you from applying 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 do perform credit checks but don’t let that put you off applying for our quick cash loan. Furthermore, we are more lenient than more traditional lenders, because, we access your past and present finances. We can 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
- 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.
For large personal loans of $5,000
- Ongoing fee: An annual percentage rate of 21.24% of the principal
- 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 that we may be able to offer, 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 loan off early, there is no extra charge. In fact, paying out your loan earlier will save you money on fees and interest
how much can you borrow from nifty?
Nifty can offer easy approval loans are between $300 to $5,000. So, anywhere in between that range could be approved depending on your financial circumstances. In addition, our loan terms range from 3 – 24 months. If you apply for a small loan between $300 to $2,000 you can repay your loan over a 3 to 6 month period. If you apply for a medium or large personal loan, then you can repay it over a 13 to 24 month period. then Personal loans of $2,100 and larger 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 could be eligible. Furthermore, we consider Centrelink payments a form of income, and we accept most Centrelink payments.
What happens if you’re approved
If you’ve been approved, we will email you a formal contract for you to sign and, once we receive the signed copy, the funds will be transferred to your account on the next round of banking.
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.
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.
If you’re unaware of our business hours, see below:
|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 usually within 2 hours of the next business day.
Find out more about quick outcome loans
|Who is this product for?||Those who are looking for a fast processing short term loan|
|Am I eligible to apply?||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 you could 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.