1300 471 328 Apply

s 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

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



Need some fast finance? We're here to help.

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s 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

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor 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.).

What is an easy approval loan?

Easy approval loans are a fast processed loan for those people that from time to time find themselves in need of some extra cash for various reasons. Quick approvals, fuss free repayments, loans approved within 60 minutes!

The definition of easy approval loans is a small loan usually between $50 to $1,000. It usually comes with an upfront establishment fee as well as a monthly fee. They are usually a minimum of 9 weeks to 24 weeks.

How do I get an easy approval loan?

Applying for a loan online couldn’t be easier!

All you need to do is be 18 years of age, an Australian resident and receive a regular income into a personal bank account for at least 3 months.!

Check out our Nifty slider at the top of the page to see if your eligible for a Nifty easy approval loan.

We are all about fast, easy approval loans here at Nifty!

Our application and processing all happens online!

This means that for you there is no waiting in queue’s, no bank managers and no waiting period!

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!

Do you perform a credit check as a part of your application process?

No!

We understand that things don’t always go to plan and we don’t want to penalise you for that here at Nifty.

So that’s why we offer easy approval loans no credit check because we believe you deserve a second chance!

Will there be any fee’s charged if I pay off my loan early?

No!

There are no extra costs to pay out your loan early!

Actually paying out your loan earlier will save you on fees!

How much can I borrow from Nifty?

Nifty easy approval loans are small amount loans usually between $50 – $1,000 so anywhere in between that range could be approved depending on your financial circumstances.

I’m unemployed can I still apply for quick easy loans through Nifty?

No.

Unfortunately, we do you require you to have income of at least $400 a week or $800 per fortnight to qualify for one of our Nifty easy approval loans.

What if I’m receiving a Centrelink payment?

Yes!

If you are receiving at least $400 a week or $800 a fortnight into a personal bank account, you will be eligible for one of our Nifty easy approval loans.

How will I know if my easy approval loan has been approved?

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

How do I repay my Nifty loan?

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!

What fee’s will I be charged if I pay out my loan early?

None!

You will not be charged any additional fees if you pay off your loan early.

You will actually be saving money on monthly fees!

How do I know if this is the right product for me?

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 1-12 months. Repayment terms will vary depending on each applicant’s financial situation.
Loan types available Fixed Personal Loans
Lender Nifty Personal Loans

What are you waiting for? Get started with your Nifty journey!

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 loan approved in 60 minutes. APPLY NOW!

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.

Q

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.).

Q

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

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If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal business hours).

Here’s how our easy approval loans work

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Loan Amounts: Minimum $50 to Maximum $1,000.

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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 3%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

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Terms: Minimum 9 weeks to Maximum 24 weeks.

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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $45 (fees based on 3% per month over 10 weeks) = $645 total repayable in 10 weekly installments of $64.50.

How customers rate Nifty’s Easy Approval Loans?

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

Amazing

★★★★★
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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