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?

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 $300 and $4,600.
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! Some lenders don’t perform credit checks or formal enquiry’s when you apply for a mini loan. Although we 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? 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 regular payments into a personal bank account we can’t see why your Nifty 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.

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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