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(%)

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 $300 to $4,600. 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?


So that’s why we offer easy approval loans no credit check as a basis for approval!

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


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 $300 to $4,600 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?


Unfortunately, we do 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?


If you are receiving a regular income 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?


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 3-24 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.


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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