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?

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 quick approval loans are a 100% online loan usually between $300-$4,600.

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 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 quick approval loans can be processed even quicker than conventional loans and approved within 60 minutes!

Now that’s a Nifty loan!

How do I apply for quick approval loans 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!

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

It only takes an average of 4 minutes to complete your online application – you could fill it out while having a cup of coffee, going for a walk or while you’re watching TV. Once we assess your application and you accept your online contract, you can have your money into your account instantly!

When we say that we offer quick loan approval, we really mean quick!

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

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 for quick approval loans online couldn’t be easier!

To be eligible for one of our quick approval loans, 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 also be receiving a regular income. 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 one of our Nifty quick approval 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 judgmental bank managers and no 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 aim to have your application assessed within just 60 minutes!

Once our team assesses and approves it they will send you an online contract; after you accept that you can have your money in your account shortly after!

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

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

Now that’s Nifty!

Do you offer no credit check quick approval loans?

We do 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 a bank, 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 with our quick approval loans, 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. Unlike some lenders who offer no credit check loans with a tonne of nasty hidden fees, we want to help our customers out – not plunge them into more debt.

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

Do you do quick approval 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. No generalisations, no blanket rules. We understand that sometimes life can throw you a curve ball, and you shouldn’t be punished for past mistakes.

Here at Nifty we are willing to see past your past. So take a positive step toward financial stability with a quick loan approval from Nifty Personal Loans.

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


There are some up front payments that are available to welfare recipients through Centrelink, such as the Centrelink cash advance.

However, Centrelink recipients who are in the market for quick approval loans are also welcome to apply for one with Nifty Personal Loans. There’s no reason why being on Centrelink should disqualify you from applying for one of our quick approval loans.

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 for one of our quick approval loans.

Our responsible lending policy

We take our responsible lending obligations seriously at Nifty Loans. There are a lot of of shady lenders out there, which can cause a lot of people to be very hesitant about accessing a loan through a non-traditional lender.

We understand, which makes us even more committed to being as trustworthy as possible.

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 90 days of current bank statements that you supply us with, our friendly team can assess if a Nifty Loans instant 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 approved your loan application, 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 will punish you with added 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 help you get back onto the path of financial happiness!

Click the APPLY NOW button at the top of the page and fill out a quick and easy application form. It takes just 4 minutes on average to complete, so why not give it a try?

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? You must be: a permanent Australian resident; over 18 years of age; receiving a regular source of income into a bank account (either from employment or centrelink); have an active Australian mobile number and email address
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 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.

Review Title
Review Content