Looking for Quick Approval Loans up to $4,600? Sometimes life hands you lemons but Nifty can help you make Lemonade with our quick approval loans!

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(%)

What are Nifty Quick approval loans?

A Nifty quick approval loan is a fast, 100% online loan usually between $300-$4,600.

Nifty is among the most competitive personal loan specialists in Australia and pride ourselves on our awesome customer service.

Because we are 100% online this means our quick approval loans can be processed even quicker than conventional loans and approved within 60 minutes!

Now that’s a Nifty loan!

How to apply for quick approval loans with Nifty?

No appointments & no queue’s! because we are 100% online all you need to do is jump onto our website and click APPLY NOW and your application process can begin!

It only takes on average 4 minutes to complete your online application and once approved and your online contract is accepted, you can have your money into your account instantly!

What do I need to be eligible to apply for Nifty quick approval loans?

Applying for quick approval loans online couldn’t be easier!

All you need to do is be 18 years of age, an Australian resident having regular income.

Check out our Nifty slider at the top of the page to see if your eligible for one of our Nifty quick approval loans.

Quick approval loans with Nifty are that easy!

How do you process your quick approval loans applications?

Our application and processing all happens online!

This means that for you there is no waiting in queue’s, no bank managers and no waiting period!

Once you have filled out your application form online then it will go through to our loan approval department.

Once approved and your online contract is accepted you can have your money in your account instantly!

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

For example, lower costs than other more traditional lenders, amazing customer service in Australia and most of all approval within 60 minutes!

Now that’s Nifty!

Do you do credit checks?


Are you worried about your credit history? don’t be, we accept bad credit loan applications and consider all applications on an individual basis

We believe that everyone deserves a fair go and we understand that sometimes in life unexpected circumstances can happen and that you shouldn’t be penalised for that.

However we ensure that we only lend to customers we know can afford one of our loans

Do you do quick approval loans for bad credit?


All of our Nifty quick approval loans are assessed on a case by case basis because we understand that sometimes life can throw you a curve ball and you shouldn’t be penalised for that continuously.

Here at Nifty we are willing to see past your past and consider a positive step toward financial stability with a Nifty personal loan.

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


If you are receiving a regular income into a personal bank account, you will be eligible for one of our quick approval loans.

Our responsible lending policy

We take our responsible lending obligations seriously at Nifty personal loans.

We will never lend you more than you can afford to repay.

That is why we ask for 90 days of current bank statements, that way our friendly team can assess if a Nifty instant approval loan is right for you!

How do I repay my quick approval loan?

No problem!

We will set up a direct debit straight from your account so you won’t have to even remember to pay a bill!

It will be for an agreed constant amount across the term of your loan.

Once your loan is paid back it will stop automatically!

How Nifty is that!

Finally, if you are not happy with your application experience with Nifty Personal Loans (but we can’t see why you wouldn’t be!) then you can withdraw your request at no cost whatsoever!

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

Applications are super quick and on average only take 4 minutes to complete.

How do I know if this is the right product for me?

Who is this product for? Those who are looking for quick approval loans
To be eligible to apply for a no paperwork loan? A permanent Australian resident. Must be over 18 Years of age. Have a regular source of income!
What repayment terms do you offer? From 9 weeks to maximum 24 weeks. Repayment terms will vary depending on each applicant’s financial situation.
Loan types available Fixed Personal Loans
Lender Nifty Personal Loans

How to qualify for nifty’s quick 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.

You need to 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 Quick Approval Loans?

quickapprovalloans Overall rating: 4.5 out of 5 based on 4 reviews.

Excelllent i loved using nifty

5 5 1
It was easy,quick,fair i loved it

One of a kind lender

4 5 1
Nifty loans are great!! Excellent customer service, friendly, and there to help when you have any questions or issues. really helped me when I needed it!


5 5 1
It was wonderful to do the loan so easy and fast return. In the bank the next day. Will differently be doing another loan though them in the near future.

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