Need no fuss fast approval loans? Nifty Personal Loans has you covered – apply online now – get your cash fast | Nifty Personal Loans

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(%)

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. Apply for one of our fast approval loans.

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

what are fast approval loans?

With Nifty Loans, fast approval loans are a completely hassle-free experience. Think bliss when you see Nifty Loans. We have designed our system to process fast approval loans efficiently. We work loan wonders! As a result, our approval rates are higher than Mount Kosciuszko.

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 for fast approval loans

To apply for fast approval loans with Nifty Loans, 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 fast approval 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 our fast approvals loan application page.

Our fast approval loans application takes only 4 minutes to complete. 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 to 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 get fast approval online loans?

The reasons for how fast approval loans can benefit you are endless. We’re sure you can think of plenty of reasons, however, our fast approval loans have a difference; the Nifty Loans difference.

The Nifty Loans Difference:

  • 4-minute 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 60-minutes
  • 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 for results on the same day you apply for a fast approval loan.

To give your fast approval 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 personal loan
  • Centrelink statements (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.

Once we approve your loan, the funds will be transferred within minutes. Your funds could also appear in your account within minutes, depending on the speed of your bank. 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 fast approval loans, 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 a fast approval loan needs!

At Nifty Loans, we understand that everyone needs a financial pick-me-up every now and again. That’s why we don’t do credit checks as our only criteria for assessing a loan. We also take a look at your current income and expenses to see if you’re eligible for one of our fast approval loans.

No Fuss – That’s Nifty!

Nifty Loans same day fast approval loans are no fuss! We will give you a Yes or No answer and approval within 60 minutes. They are painless and paperwork free! Yes, you read that correctly. Our fast approval loans process doesn’t require any paperwork.

So, say goodbye to mountains of migraine-inducing paperwork 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 receive a response within 2 hours on the next business day.

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 two types of loans at Nifty; a small personal loan and a medium 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 fast approval 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, we will debit your account $27.50, so make sure to stay on top of your fast approval loans

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 fast approval loans 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 you miss your scheduled payments, then we will debit your account $27.50

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 get fast approval loans?

Why, of course!

We cater to anyone who is looking to boost their finances with fast approval loans. 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 approval? 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 fast approval loans application.

You might also be thinking, ‘I’m on Centrelink, am I still eligible for fast approval loans?’ Don’t fret – we have you covered as well.

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’re eligible for fast approval loans.

In addition, as we do adhere to responsible lending, there are some Centrelink allowances we deem as temporary income, including:

  • Newstart
  • Youth Allowance
  • Farm Household Allowance

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?

Looking for a loan? You can apply with us if:

  • You’re at least 18 years old.
  • You’re an Australian Citizen or Permanent Resident.
  • You’ve been receiving a regular income into a personal bank account for at least 3 months.
  • You have an active mobile number and email address.
Need to know more? Check out our FAQs

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 Fast Approval Loans?
nfal Overall rating: 4.6 out of 5 based on 3 reviews.

Great service

5 5 1
Most definitely will use again, great service and your repayments are affordable which works well with my affordability. Hoping to use you in the future because you are so great.

Love this short term loan

5 5 1
Nifty loans are so quick at making your borrowings go into your account 5/5 I would recommend this to everyone who needs a small loan easy repayments they respond so quickly I received it in a day of applying


4 5 1
This worked out very well for me, and i appreciate the help. Very easy to pay back and happy to use this company again and recommend to other users. Thank you.

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