Instant approval loans from $300 to $5,000. Apply now!

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

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Repayments

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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. Click here for a worked example

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our loans between $300 and $2000 is 199.43%. 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. Click here for a worked example

Instant Approval Loans

Are you looking for Instant Approval Loans?

Well, we may not provide instant approval loans, but we can offer very quick outcomes!

Sometimes life doesn’t go as planned. Unforeseen circumstances and unexpected expenses leave you stuck between a rock and a hard place. Or, perhaps you’re looking for a little extra cash so you can treat yourself. If any of this is sounding familiar, we’re pretty sure you’ve been searching the internet for instant approval loans. Are we right? Keep reading!

Are you looking for Online Loans Instant Approval Australia?

Well, you have come to the right place! Here at Nifty, we’ve made our application process so quick and easy, they almost seem like instant approval cash loans Australia. You don’t even need to leave the comfort of your lounge or office because we are 100% online. That means more efficiency for you, our customers because our time and energy go into delivering amazing customer service!

What is an instant approval loan?

Instant approval loans are, unsurprisingly, loans that are approved instantly. While there are few providers of instant approval loans Australia, Nifty Loans certainly many fast outcomes and we do our best to grant approval to those seeking quick finance.

Nifty Loans fast outcomes

Instant approval loan is not quite what we do, but it’s pretty close. We offer small fast outcomes between $300 and $5,000, and we’re pretty damn quick about it. Here’s how our small loans work: You apply, just at the top of this page. One of our specialist team members will aim to have your application assessed within 60 minutes, during normal business hours. Once approved, you’ll get a contract to sign. Dotted those T’s? Great! They are fixed-rate loans 100% online.

I’m looking for something like online loans instant approval Australia and need cash today, where should I go?

Well, we’re glad you asked. We’ve got the experience to know what you want instant approval loans for, and what you really need. Quick turnaround times from a local lender ready to give Aussie a fair go. Feel ready? Head over to the Nifty Loans repayment calculator to find out what your loan could cost, then apply. So even if it’s online loans instant approval that you’re after, we’ve got you covered with super fast loan outcomes! The best part about Nifty Loans is that the applications are 100% online, meaning you don’t even have to leave your living room to apply. Wherever you are, wherever your phone is, you can go ahead and apply for a loan with Nifty.

What are reasons people borrow instant approval loans?

There are several reasons why people may look for instant approval loans and fast approval loans. Life is expensive, as you no doubt know, and sometimes we need a bit of extra cash to get our ducks in a row, or on a plane, for a holiday (who doesn’t need a holiday?) Sound familiar? A fast approval loan sounds like what you need. Here is a list of some of the common reasons our clients apply for loans, and why you need to stop searching for online loans instant approval Australia, and stick with Nifty Loans:

Are you wanting to know the next step? How do I get my online loans conditional instant approval Australia?

If it’s a personal loan you’re after, look no further. Fill out our easy loan application and we’ll provide you with an outcome on your application. Yep – forget all about online loans instant approval. It’s Nifty Loans that you need. If you are conditionally approved, our loan specialists will review your application, this usually takes 60-90 minutes (during normal business hours).

During the application process, we’ll ask you a few questions about your personal details, your employment details and some questions about your finances and that’s it! Easy peasy!

If your application is approved and you’ve signed your contract, we will transfer your funds on the next round of banking. Now those are Nifty loans!

How do fast outcome loans work?

Here’s how it all works:

  1. Apply online by completing our easy online application form!
  2. Send through supporting documents if needed
  3. Sit back and relax while we process your loan application
  4. If you’re approved your loan we’ll send you an offer for a loan contract! All you have to do is accept the contract.
  5. Finally, receive your funds!

How much can I borrow with fast approval loans?

With our fast approval loans, you can apply for either a small unsecured personal loan or a medium secured personal loan. You can borrow between $300 to $2,000 with our smaller loan that you can repay over a period of 6 months. A larger loan is between $2,001 to $5,000 which you can repay over 13 to 24 months. This larger loan will require an asset, generally a vehicle, to be tied to the loan as security.

How much do Nifty fast approval loans cost?

The costs of our Nifty fast approval loans are explained in the cost table below. The costs of our loans are factored into the total repayment amount. To give you an idea of how much your repayments will be, you can use the loan repayment calculator at the top of the page. Drag the slider to adjust the amount you want to borrow, as well as the repayment period over which you would like to repay your loan.

How does repayment work?

Here’s how repayments work. We help you to set up a direct debit so that your repayments come out of your account automatically. You can nominate which day you would prefer your repayments to be deducted. We suggest arranging for your repayments to come out of your account to match your pay cycle. In other words, if you get paid fortnightly, arrange for your payments to come out on a fortnightly basis.

Do I meet the eligibility requirements to get fast approval loans?

Good question! We do have eligibility criteria that you’ll have to meet. If you want to apply for Nifty fast approval loans, see if you can check off everything on this list.

  • You need to be at least 18 years of age
  • Must be an Australian citizen or permanent resident
  • Need to be receiving a regular income (at least for 90 days prior to applying)

What documents do I need to apply?

In order for us to give you fast approval loans, we will need you to provide us with a few pieces of supporting documentation. However, the great news is these can all be uploaded electronically. Here is a list of the things you may need to submit:

  • 100 points of ID, so that we can verify you are over 18 and an Australian citizen or permanent resident.
  • You’ll also need to log into your internet banking so that we can verify your income and expenditure.
    Finally, make sure you can give us your personal mobile number and email address in case we need to contact throughout the duration of your loan term.

Do you do no credit check loans for conditional online instant approval?

Here at Nifty, we believe that your credit history is history! Some lenders don’t perform credit checks or formal enquiry’s at all when you apply for a mini loan, although we believe they are still useful. Although we do perform credit checks, we believe that everyone deserves a fair go and we understand that sometimes in life unexpected circumstances happen.
That’s why we look at more than just your credit history when assessing your loan application.

What if I have bad credit? Can I get a personal loan bad credit instant approval?

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. So your credit check is not the only thing we look when assessing applicants for fast approval loans. That’s why we ask for your internet banking details so that we can look at your current financial situation and judge based on your present situation rather than your past.

If I am receiving Centrelink payments can I get a nifty conditional approval loan?

The answer is yes! Here at Nifty personal loans, we don’t discriminate against Centrelink recipients. That’s because we understand that just because you receive Centrelink, it doesn’t mean that you can’t responsibly manage financial commitments. As long as you are receiving regular payments into a personal bank account we can’t see why your Nifty loan wouldn’t be approved!

What if I’m unemployed? Can I get fast approval loans?

If you receive regular income, online loans fast outcomes unemployed people may not be off limits to you! As long as you can provide evidence of a regular stream of income, you may be eligible to apply for fast outcomes from Nifty!

Benefits of borrowing from Nifty

You may be wondering what the benefits are of borrowing personal loans from Nifty. There are plenty of benefits you experience when you borrow fast approval loans from Nifty. We’ve decided to list them out here for you:

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

Here at Nifty, we offer smart fast outcome loans with no fuss, if you have any problems our friendly customer service staff are here for you to talk to. In most cases, if you apply within business hours, you’ll receive an outcome within the hour. If you apply outside of business hours we’ll get you a response as soon as we are back in the office.

An amazing customer service team

Rest assured Nifty has an amazing team of loan experts ready to look after you if you have questions throughout your loan term.

We don’t charge any early exit fees

If you want to pay your loan off early, you can! Plus, we won’t charge any early exit fees. That means that if you are ready to pay your loan off earlier than the end of your loan term you can feel free to go ahead and do so.

You can use your loan for any purpose you like!

One of the great benefits of online loans Australia is that you can use them for any purpose you like. Whether it’s for car rego, a car repair, rental bond or you are buying a new fridge, it’s up to you what you use your loan to pay for!

Things to do before you apply for fast approval loans

Before you apply for a personal loan there are a few things you need to do before you make the decision to borrow. Here is a list of some the things you may want to ask yourself before you make the decision to borrow:

Can I afford the repayments?

This is the most important thing to work out before you decide to borrow. Work out if you can fit your repayments into your budget. Although, we will do a financial assessment before we make the decision to extend you a loan offer. A good tool to use to help you work out whether you can fit your repayments into your budget is MoneySmart’s budget planner.

What is your purpose for the loan?

It’s always a good idea to ask yourself about your reason for getting a fast approval loan before you make the decision to borrow. Is the reason you need a loan urgent? Or can it wait until a more convenient time?

Am I happy with the terms and agreements of the loan contract?

Once we have approved your loan contract, we will extend you an offer for a loan. So, it’s important to ensure that you have read the terms and conditions of the loan contract before you decide to borrow.

In summary

So, if you are ever in need of online loans instant approval Australia, consider a fast outcome loan from Nifty! Apply online today!

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.

Have an active mobile number and email address

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.

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 (subject to workload and business hours).

how it works.

small personal loans.

  • Loan amounts: $300 – $2,000
  • Terms: 3 months – 6 months
  • Establishment fee: Up to 20%
  • Monthly fee: 4%
  • 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

Example

Loan Amount: $1000 $1000
Term: 6 Months, repayable weekly (25 weekly repayments) 12 Months, repayable weekly (50 weekly repayments)
Principal amount: $1000 $1000
Establishment fee: $200 (20% establishment fee) $200 (20% establishment fee)
Total other fees: $240 (fees based on 4% per month over 25 weeks) $480 (fees based on 4% per month over 50 weeks)
Total payable: $1,440 $1,680
Weekly installments: $57.60 $33.60

medium personal loans.

  • Loan amounts: $2,100 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 67.41%
  • 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

Example

Loan Amount: $3,000 $4,500
Term: 18 months, repayable weekly (78 weekly repayments) 24 months, repayable weekly (104 weekly repayments)
Principal amount: $3,000 $4,500
Establishment fee: $400 $400
Total other fees: $1,379.06 (reducing interest) $2,732.56 (reducing interest)
Total payable: $4,779.06 $7,632.56
Weekly installments: $61.27 $73.39

large personal loans.

  • Loan amount: $5,000
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 21.24%
  • Comparison Rate: 48%
  • 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

Example

Loan Amount: $5,000 $10,000
Term: 18 months, repayable weekly (78 weekly repayments) 24 months, repayable weekly (104 weekly repayments)
Principal amount: $5,000 $10,000
Total Interest: $2,027.80 $5,577.12
Total payable: $7,027.80 $15,577.12
Weekly installments: $90.10 $149.78

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