Apply

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

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.

Repayments

Weekly

Fortnightly

Monthly

s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

To be eligible for a Nifty loan you must:

  • receive a regular income which is paid into your bank account for at least 3 months;
  • You must have an active mobile number and email address;
  • you must not have received a Centrelink Emergency payment within the last 3 months;
  • not be in financial hardship, dealing with a financial councillor 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.).

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?

Yes!

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?

Yes!

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?

Yes!

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.

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 (regular payments, direct debits, etc.).

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* (in normal business hours).

HERE'S HOW OUR SMALL PERSONAL LOANS WORK

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Loan Amounts: Minimum $300 to Maximum $2,000.
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Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%). For more information about the allowable fees and charges for SACCs visit the MoneySmart website.
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Terms: Minimum 3 months to Maximum 6 months.
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Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $60 (fees based on 4% per month over 10 weeks) = $660 total repayable in 10 weekly installments of $66.

HERE'S HOW OUR MEDIUM PERSONAL LOANS WORK

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Loan Amounts: Minimum $2,001 to Maximum $4,600.
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Costs: Up to $400 Establishment Fee charged upfront. Annual Percentage Rate (APR): 47.6158% with a comparison rate of 65.6597% p.a. This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. For more information about the allowable fees and charges for MACCs visit the MoneySmart website.
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Terms: Minimum 13 months to Maximum 24 months.
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Example: Loan Amount of $2,500 over 18 months repayable weekly $2,500 (Principle Amount)+ $400 (Establishment Fee) + $1183 (other fees) = $4,083 total repayable over 18 months with weekly installments of $52.84.

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!

Wonderful

★★★★★
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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quick approval loans