Fast Approval Loans: Easy And Simple | Apply Now Up To $5,000

fast approval loans

Are you looking for an online cash loan? Well, you’ve come to the right place. Have you had a run of back luck that just won’t quit? Your washing machine has broken down just as your kids need new school uniforms. That’s when you turn to Nifty Loans to solve those pesky financial problems. We can offer strong> fast approval loans, so apply today.

We understand that sometimes life doesn’t go to plan and that’s why we can offer quick outcome loans. We offer a quick application, fast outcomes and easy repayments.

what are fast approval loans?

With Nifty Loans, quick personal loans are a completely hassle-free experience. Of course, we cannot guarantee an outcome with approval finance, however, we can deliver fast outcomes on all our applications. Think bliss when you see Nifty Loans. We have designed our system to process applications quickly, so we can do our best to offer personal loans efficiently. We work loan wonders!

Applying is simple. It only takes a few clicks of your mouse and a few minutes of your time! You can complete the forms at any time of day or night and all from the comfort of your own home. So, sit back and relax whilst we work our loan magic.

How to apply with Nifty Loans

To apply, you simply need to meet four simple requirements:

  1. You must be at least 18 years old
  2. You’re an Australian Citizen or permanent resident
  3. You’ve been receiving a regular income into a personal bank account for at least 3 months
  4. You have an active mobile number and address

Before applying for a quick loan, make sure you check off all requirements to make an easy and smooth easy approval loans application process.

It is an easy 4 step process!

Step 1: Apply online

Our loan service is 100% online. You can apply for a short-term personal loan from the comfort of your bed. Begin with using our user-friendly slider located at the top of each Nifty Loans webpage. Simply select how much moolah you want, how long for, and how regular you wish to make repayments. Then, when you’re happy with your loan terms, click Apply! You’ll be transferred straight to the fast approvals loan application that we can offer.

We have an application that can be completed within minutes. It’s that easy!

Step 2: No messing around

Once you’ve submitted your application, we let you know right away whether you qualify for our fast approval loans. Whilst we are assessing your application, we will send a quick text or email if we need additional information. So, keep an eye on your notifications whilst playing Candy Crush!

Step 3: Get a Decision

We assess your application and provide you with an outcome, usually within 60 minutes (during normal business hours). So, no waiting around for days on end. Treat yo’ self to a coffee and we’ll have an outcome for you in no time!

Step 4: Get paid FAST

Once approved and your online contract is accepted, we will transfer the money to your bank. Depending on the speed of your bank, you will receive your funds overnight at the latest.

We are all about customer service, second chances and getting you the right loan every time because you matter to us.

So go on! Start your journey to success with fast approval on your next Nifty loan.

Why can we offer fast approval online loans?

The reasons for how can benefit you are endless. We’re sure you can think of plenty of reasons, however, the service we can offer have a difference; the Nifty Loans difference.

The Nifty Loans Difference:

  • Fast applications. Brew a cup of coffee before you start and it will be perfect temperature once you finished
  • Our loan specialists aim for a 60-minute turnaround – so treat yo’ self why you wait
  • If approved, receive your moolah within 24-hours
  • We do perform credit checks, however, we encourage everyone to apply
  • No hidden costs
  • Completely online for your convenience
  • Trusted by thousands of Aussies

The list could stretch far and wide, but you get the idea! Nifty Loans is here to service your urgent financial needs.

We are lightning quick

We understand that when emergencies arise and you need money, dawdling is not an option! Here at Nifty Loans, we endeavour to have your loan approved within 60 minutes. We work hard to save you time and hassle because no one has time for messy applications. Our 100% online loan process has elevated those long trips to the bank and meetings that droll on without results. We strive to deliver fast results.

To give your quick loans application an extra speed boost, you’ll want to have all your personal details ready before beginning your quick loan approval application. Here’s a handy list of personal information to have by your side:

  • Name and address
  • Date of birth
  • Reason for loan
  • My Gov details (if applicable)
  • Bank account details

You may hesitate when it comes to parting ways with your bank account details, however, we can put your mind at ease. We will only require your account details to access a read-only copy of your bank transitions, to assess whether you can afford fast approval loans. We utilise the latest in safe banking technology to access your statements.

If your loan is approved, your funds will be transferred to your account on the next round of banking, provided your contract is signed before 4:30 pm AEST on banking days. So, when you urgently need a financial pick-me-up, we can deliver.

Our Nifty Loans fast approval loans can have you back out there hitting your goals within the same business day! Time is money, so we offer a quick buck to get you back on your feet.

We handle all the financial legwork, so you can go back to what you do best.

Flexible repayments

At Nifty Loans, we give the power to you! You can choose how to structure your repayments. When you’re applying for the fast approval loans that we can offer, you can select whether you’d like to make repayments weekly, fortnightly or monthly. It’s that easy!

We want to give you the power to control your finances. If you have any financial commitments, such as rent and additional bills, you can slide your loan repayments into your budget with ease.

We are 100% online

Gone are the days of never-ending bank lines and meetings with bank managers.

A few clicks of your mouse is all your application needs!

At Nifty Loans, we understand that everyone needs a financial pick-me-up every now and again. So, while we do perform credit checks they’re not our only criteria for assessing a loan. We also take a look at your current income and expenses to see if you’re eligible.

No Fuss – That’s Nifty!

We can offer same day loans, and we do our best to reduce all unnecessary hassle! We will give you a Yes or No answer and approval as fast as possible. They are painless and paperwork free! Yes, you read that correctly. Our application process does not require any paperwork.

So, say goodbye to mountains of migraine-inducing bank statement gathering and say hello to stress-free applications!

Friendly customer service – That’s Nifty!

We believe in return business. Therefore, we always look after our customers so that next time they can have peace of mind knowing that Nifty Loans will be there to help them out.

If you have any enquiries about our loan process, the state of your applications or, any questions regarding your repayments, please don’t hesitate to contact our loan specialists.

Of course, our loan specialists have to sleep and rest, so they are only reachable during our business hours. Monday-Thursday 8:00am – 5:00pm and Friday 8:00am – 4:00pm, we are closed over the weekend. If your enquiry is made outside of business hours, you’ll generally receive a response within 2 hours on the next business day (depending on our workload).

No 8pt fees! – That’s Nifty

At Nifty Loans, we are upfront and honest about our loan fees. We believe that transparency is the key to a happy customer relationship. We have three types of loans at Nifty; a small personal loan, a medium personal loan and a large personal loan. The costs differ depending on your loan principal. In the name of transparency, here’s a list of costs for each type of speedy loans.

Small personal loan: an unsecured loan of $300 to $2,000, to be repaid over 3 to 6 months.

  • Establishment fee: A one-time fee of up to 20% of the principal. This cost will be built into your repayments
  • Ongoing fees: Monthly fee of 4% of the principal. Charged per month when there is an outstanding balance
  • Other fees: If you miss repayments or other due payments, a $27.50 dishonour fee will be added to your account balance, so make sure to stay on top of your repayments

Medium personal loan: a secured loan with a minimum loan amount of $2,001 to $4,600. Requires a car, motorbike, boat or caravan as security.

  • Establishment fee: A once-off fee of $400. This amount is built into your repayments
  • Ongoing fee: Nifty loans charge an annual perfect rate of 48%. Charged per month when there is an outstanding balance.
  • Other fees: Similar to the small personal loan repayments, if a repayment is dishonoured, a $27.50 dishonour fee will be added to your account balance

For large personal loans of $5,000

  • Ongoing fee: An annual percentage rate of 21.24% of the principal
  • Other fees: Similar to the small personal loan repayments, if a repayment is dishonoured, a $27.50 dishonour fee will be added to your account balance

And that’s it! Three costs laid out in the open for all to see (not hidden at the bottom of our contract). Please make sure, if you don’t understand these costs, to contact us and we can explain why your account has been charged.

Furthermore, if you choose Nifty Loans, you will always know where you stand with your fees and repayments!

can anyone apply with Nifty Loans?

Why, of course!

We cater to anyone who is looking for quick cash. However, we do adhere to responsible lending practices, so if you cannot afford your repayments, we will not approve you for cash loans.

You may be thinking, what if I have bad credit and I’m seeking a bad credit unsecured personal loans with very fast outcome? Well, we have you covered.

We do perform credit checks as part of our responsible lending practices, however, it’s not the only criteria we examine. If your present finances reflect a different state than your credit history, we will consider your application.

You might also be thinking, ‘I’m on Centrelink, am I still eligible to apply?’ Don’t fret – we’ll do our best to provide fast outcomes for all applicants.

We consider most Centrelink payments as sources of income. Therefore, as long as you’ve been receiving regular Centrelink payments for the previous 3 months, then you may be eligible for fast approval loans.

Let’s be friends

The vision of Nifty Loans is to provide a loan service that is fast, easy and convenient for everyday users. We want to bring personal loans to the masses and offer a product that you have no reason to be afraid of! We are more lenient than traditional lenders, so if you find yourself in a pickle, you know who to call.

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.

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Who we've helped

Fast Approval Loans: Easy And Simple | Apply Now Up To $5,000 Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Fast Approval Loans: Easy And Simple | Apply Now Up To $5,000 Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
quotation mark

Great loan

"Fast and easy"

- Joseph keleto


How customers rate Nifty's Personal Loans

Fast Approval Loans: Easy And Simple | Apply Now Up To $5,000 Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans