Quick approval loans up to $5,000. Apply now!

quick approval loans

In need of some fast cash to help you out of a tight spot? Nifty Loans offers hassle-free, reliable, quick approval loans that are perfect for anyone who needs a hand to cover unexpected costs! Our fast personal loans are a 100% online loan between $300 – $5,000.

Nifty Loans are among the most competitive personal loan specialists in Australia. Part of why we’re so good is that we pride ourselves on our awesome customer service. Not only do we aim to provide a quick loan assessment and approval, we also want you to have the best experience possible!

You used to have to go to the bank and fill out mountains of paperwork if you wanted a loan. Even after going through all that, the bank manager could easily turn you down based on your credit rating or, even the amount of money you need.

Spending all day in a queue just to have your loan application rejected? Who’s got time for that?

Luckily things have changed, and we’re committed to keeping things convenient for you. Because we are 100% online this means our fast loans can be processed even quicker and approved faster!

Now that’s a Nifty loan!

How do I apply with Nifty?

Are you sick of appointments? Do you dread the prospect of waiting in long queues before you get to speak to someone? Then Nifty Loans is right up your alley! You could even be eligable for a Nifty instalment loan today!

Our entire loan application process is 100% online. All you need to do is jump onto our website and click Apply to get the ball rolling on your very own quick cash loan!

Our application can be completed within minutes – you could even fill it out while having a cup of coffee, going for a walk or while you’re watching TV. Once we assess your application, we’ll send you an online contract to review and sign if you’re approved. If everything is completed within business hours, your money could be transferred to your bank on the same day!

Access to funds is subject to inter-bank transfer times.

When we say that we offer quick loan approval, we really mean quick! We use the latest in safe banking technology to give our customers quick outcomes.

What do I need to be eligible?

We know that when you’re in need of quick cash, the last thing you want is to deal with hours of paperwork and forms. With Nifty Loans, applying online couldn’t be easier!

To be eligible you just have to fulfil these criteria. You must be an Australian citizen or permanent resident of at least 18 years of age and you must have been receiving a regular income into a personal bank account for at least 90 days. Finally, we require that you have an active mobile number and email address. That’s it!

Not sure if you qualify? Check out our Nifty Loans slider at the top of the page to see if you’re the right fit for Nifty Loans.

Quick approval loans with Nifty Loans are that easy!

How do you process your quick approval loans applications?

Because the entirety of our application and processing system happens online, we’re able to offer a much faster service than traditional lenders.

This means that for you there is no standing in long queues, no pesky paperwork and, generally, a shorter waiting period!

Once you have filled out your application form online, it will then go through to our loan assessment department. If you apply during our business hours, we will aim to have your application assessed within just 60 minutes!

If our team approve your application, they will send you an online contract; after you accept that you can have your money in your account within 24 hours! This is, however, provided the contract is signed before the close of business. Access to funds is subject to inter-bank transfer times.

Being 100% online allows us to offer our customers so much more.

For example, amazing customer service and loans that can be within your account on the same day!

Now that’s Nifty!

Do you offer no credit check quick approval loans?

We do conduct credit checks on all our loans because we take our responsibilities as a trustworthy lender very seriously.

If you’re worried that your credit history might affect your loan application, don’t be: we accept bad credit loan applications. Although we do look at your credit history as a matter of principle, it’s not the only thing that we consider when reviewing your application. We review all applications on an individual basis, and, unlike traditional lenders, we won’t simply reject your request because of a low credit score.

We believe that everyone deserves a fair go. Sometimes in life unexpected circumstances can happen that leave you in a tough situation. Having a bad credit score doesn’t make you a bad person, and it’s certainly not something you should be penalised for. We want to give you a second chance – because you deserve it!

While we love helping people and we’re committed to being honest and reputable. For this reason, we will never lend to a customer unless we are absolutely sure that they can afford the repayments on one of our loans.

Should you have anymore questions the Australian Government website Moneysmart might have the answers you are looking for.

Do you do speedy loans for bad credit?

We sure do!

Every person is different, and so is their situation. All of our Nifty quick approval loans are assessed on a case by case basis so we can decide whether a loan is right for you. We understand that sometimes life can throw you a curve ball, and you shouldn’t be pushed back for past mistakes.

Here at Nifty, we are willing to see past your past. So, let us help you over this hump with a quick loan approval from Nifty Personal Loans.

Can I get a quick approval loan if I am on Centrelink payments?

Yes! You can apply for quick approval loans, even if you’re on Centrelink.

Centrelink recipients who are in the market for a quick cash solution are welcome to apply for one with Nifty Personal Loans. There’s no reason why being on Centrelink should disqualify you from applying. We classify most Centrelink payments as regular income as long as you’ve been receiving them for at least 3 months.

Still not sure if you qualify? Submit a quick application to find out! If you are receiving a regular income into a personal bank account, you will be eligible to apply.

Our responsible lending policy

We take our responsible lending obligations seriously at Nifty Loans.

We’re in the business of helping our customers when they need quick approval cash loans, not plunging them into debt. That’s why we make 100% sure that we will never lend you more than you can afford to repay.

By reviewing the bank statements that you supply us with, our friendly team can assess if a Nifty Loans quick approval loan is right for you!

How do I repay my quick approval loan?

Just like our application process, our repayments are super easy too!

Once we have assessed and if you’re approved, we’ll set up a direct debit straight from your account in line with your income, so you won’t ever have to worry about having enough money to make a repayment. It’s a constant amount, so if you’re keeping up with your payments then you’ll never be caught out by a sudden cost hike.

Once your loan is fully repaid, the direct debits will stop automatically! How Nifty is that?

Some lenders may charge you fees if you decide to pay your loan off early. You’re probably thinking “That makes no sense!” – our thoughts exactly!

If you want to pay off your loan early, no worries! You can do that free of charge, without any nasty and unfair added costs.

No muss, no fuss, no pressure to remember to pay a bill and no hidden fees; just stress-free loans. That’s the Nifty Loans way!

If for any reason, you decide against going through with your loan before signing your online contract, you are welcome to withdraw your request at no cost whatsoever!

Got any feedback for us?

As confident as we are that you’ll love your experience with Nifty Loans, and your quick approval loan, we’re always willing to listen to our customers. Therefore, if you have a problem or just want to give us some feedback as to how we can improve, please don’t hesitate to get in touch with us. If you call during our business hours, we guarantee that you’ll talk to a member of our friendly customer service team, not just an automated response machine.

If you’ve got a question to ask outside our business hours, no worries! Send us an email and we’ll reply to it promptly on the next business day.

Looking for amazing customer service and quick approval loans? It’s got to be Nifty!

So what are you waiting for? Start your partnership with Nifty Loans NOW! Let us try and help you get back onto the path of financial happiness!

Click the Apply button at the top of the page and fill out a quick and easy application form. Why not give it a try?

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** 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 with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Perfect and easy to complete

"Speedy service and didn’t disappoint in the slightest. Very satisfied with the outcome and how informative the frequently asked questions page was."

- Perfect and easy to complete


Types of loans