Instant approval loans from $300 to $4,600. 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(%)

Are you looking for Instant Approval Loans?

Sometimes life doesn’t go as planned, which means unforeseen circumstances and unfortunately unexpected expenses. Alternatively, you may want to gift yourself a luxury that you can’t afford at the present moment and pay for it later. Instant approval loans from Nifty Loans serve this exact purpose, to help you out when you need us. So if you’re keen to find out more, keep reading!

Are you looking for Online Loans Instant Approval Australia?

Well, you have come to the right place! Here at Nifty, we offer some of the most competitive instant approval cash loans 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 are put into amazing customer service!

What is an instant approval loan?

Our instant approval loans are small loans between $300 and $4,600. Once approved our loans online instant approval can be paid into your personal bank account usually within 60 minutes. They are fixed-rate loans 100% online. That’s why we give them the name instant approval loans!

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

Well, we’re glad for you to ask the question! We have a really Nifty Loans slider tool at the top of the page which can give you all the information you are looking for, then apply for your online loans instant approval Australia right there! The great thing about Nifty Loans is that we are 100% online, meaning you don’t even have to leave your living room to apply for a loan. It also means you can be anywhere in Australia. As long as you have access to a device that connects to the internet 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 want to borrow fast approval loans. Life can be expensive at times and sometimes we need a helping a hand in the form of a fast approval loan to help us get by. Though here is a list of some of the common reasons you may need to apply for online loans instant approval Australia with Nifty Loans:

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

Fill out our easy 5 min loan application and we’ll provide you with an outcome on your online loans instant approval Australia comes within 60 minutes (during normal business hours).

Once your application has been approved we will then transfer the loan amount to your bank account. Now those are Nifty loans!

We’ll ask you a few questions about your personal details, your employment details and some questions about your finances and that’s it!

How do Nifty instant approval loans work?

The way it works with Nifty’s online loans instant approval Australia can be explained in a number of steps:

  1. Apply online by completing our easy online application form!
  2. The next step is to upload all supporting documents to support your application
  3. This third step involves sitting back and relaxing while we process your loan application
  4. Next, once we’ve approved your loan we’ll text you with an offer for a loan contract! And 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, we have both a small unsecured personal as well as a medium secured personal loan. You can borrow between $300 to $2000 with our smaller loan that you can repay over a period of 6 months. Plus, the larger loan is between $2001 to $4600 which you can repay over 13 to 24 months. This larger loan will require a security to be tied to the loan.

How much do Nifty fast approval loans cost?

The costs of our Nifty fast approval loans are explained below in our cost table. The costs of our loans are factored into the total repayment amount. Also to give you an idea of how much your repayments will be, you can use our loan repayment calculator at the top of the page. You can use the slider tool 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?

The way repayment works, are 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 direct debit to come out of your account on. We suggest arranging for your repayments to come out of your account to match your pay cycle. I.e. 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?

It’s a good question to ask! We do have some lending criteria we have to comply with in order for our customers to be eligible for our Nifty fast approval loans. The following is a list of our eligibility requirements:

  • 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 thing news is these can all be uploaded electronically. Here is a list of the things you’ll need to show us:

  • 100 points of ID, so that we can verify you are over 18 and an Australian citizen/ permanent resident. Here is a good link that outlines what makes up 100s points of ID.
  • We will also need your internet banking logins that we can verify your income and spending habits
    Finally, we just need 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 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 when you apply for a mini loan. 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 instant 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 instant approval unemployed people are not off limits to you! As long as you can provide evidence of a regular stream of income, you may be eligible to get fast approval loans 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 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. That if you apply within business hours. If you apply outside of business hours we’ll get you a response as soon as we are back in the office. Our office hours are the following:

An amazing customer service team

One thing you’ll be assured to know at Nifty, as our amazing team of loan experts will be there 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 instant approval 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, you know where to go! Simply apply online today and get your instant approval loans with Nifty 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


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.


If you meet these criteria, apply now and receive an outcome within 60 minutes* (in normal 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%


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 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!

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