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

Instant approval loans from $100 to $2,000. Apply now!

How much cash do you want?
How long do you want it for?

We will not conduct a credit check through a credit bureau.

Repayments

Weekly

Fortnightly

Monthly

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.).

Are you looking for Instant Approval Loans?

Well you have come to the right place!

Here at Nifty we offer some of the most competitive instant approval loans in Australia.
You don’t even need to leave the comfort of your lounge room or office because we are 100% online.
That means more efficiency for you, our customers, because our time and energy is put into amazing customer service!

What is an instant approval loan?

Our instant approval loans are small loans between $100 – $2,000.
Once approved our loans can be paid into your personal bank account usually within 60 minutes.
Now that’s what I call an instant approval!

I’m looking for an instant approval loan, where should I go?

Well we’re glad you asked we have a really Nifty slider tool at the top of the page which can give you all the information you are looking for and Apply from there!

Are you wanting to know the next step? How do I get my loan?

Fill out our easy 5 min loan application and we’ll provide you with an outcome within 60 minutes (during normal business hours).
Once your application has been approved we will then transfer the loan amount into your bank account. Now that’s a Nifty loan!

Our responsible lending policy

Here at Nifty Personal Loans we take our responsible lending obligations seriously.
Nifty will never lend you more than you can afford to pay back.
That’s why we ask for current bank statements, that way our friendly team can assess if a Nifty instant approval loan is right for you!

Do you do credit checks?

Here at Nifty we believe that your credit history is history! We don’t perform credit checks or formal enquiry’s when you apply for a mini loan up to $400 with us. We believe that everyone deserves a fair go and we understand that sometimes in life unexpected circumstances happen.

What if I have bad credit? Will my instant approval loan be approved?

Here at Nifty we pride ourselves on being responsible lenders but don’t believe one mistake should decide your borrowing future. We assess all applications individually.

If I am receiving Centrelink payments can I get a Nifty instant approval loan?

Yes! As long as you are receiving at least $400 a week or $800 a fortnight into a personal bank account we can’t see why your centrelink loan wouldn’t be approved!

You’ll get a same-day response with Nifty!

Here at Nifty we offer smart instant approval loans with no fuss, if you have any problems our friendly customer service staff are here for you to talk to. We will give you a Yes or No answer and if yes, a loan approval within 60 minutes.

So what can we do for you I hear you ask?

  • Instant approval loans within 60 minutes of being approved
  • Amazing customer service
  • Peace of mind over your financial position!

We want your Nifty experience to be a good one because we want your return business!

So we have a huge emphasis on awesome customer service, happy customers and instant approval loans!

What are you waiting for jump online now and start your journey to success with Nifty Personal Loans and Apply Now!

How to qualify for nifty instant 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.

R

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

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

Z
Loan Amounts: Minimum $100 to Maximum $2,000.
Z
Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
Z
Terms: Minimum 9 weeks to Maximum 24 weeks.
Z
Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK (Product launch in late 2017)

Z
Loan Amounts: Minimum $2001 to Maximum $4,000.
Z
Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
Z
Terms: Minimum 12 months to Maximum 18 months.
Z
Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

How customers rate Nifty’s Instant Approval Loans?

instantapproval Overall rating: 4.7 out of 5 based on 4 reviews.

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

Hassle free quick and easy

★★★★★
5 5 1
Nifty was such a hassle free experience for me & easy process will definitely be recommending them to friends and family thankyou nifty will be using you again in the future

Helpful in a tough situation!

★★★★★
5 5 1
Great and efficient service! Highly recommended if you're in a bind. Repayments very reasonable and affordable! Based my application on current merits and circumstances! Can't find any fault in the service provided!
Name
Email
Review Title
Rating
Review Content
instant approval loans