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

Nifty same day approval loans up to $4,600, helping you solve your cash flow problems fast! 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.

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 same day approval loans?

Same day approval loans are a loan that is applied for, processed and approved within the same day.

Nifty has one of the fastest personal loan services in Australia– you will receive a yes or no answer from Nifty within 60 minutes of completing your application!

We are a 100% online service, no paperwork loans, no appointments just great service!

How do I apply for one of your same day approval loans?

No problem!

Applying for one of our same day approval loans is a piece of cake.

All you need to do is be an Australian resident, 18 years of age and paid Centrelink benefits or a salary regularly!

Check out our slider at the top of the page to see if your eligible for one of our same day approval loans!

How Nifty process’s same day approval loans applications?

Processing your Nifty same day approval loans is as easy as 1,2,3!

Once you have ticked all of the above boxes head on over and hit the APPLY NOW button and start your online application process.

This usually takes most applicants around 4 minutes to complete, which is much faster than most traditional lending process’s!

Once you have completed your same day approval application it will then go to our loan approval officers who will decide if one of our same day approval loans is the right loan for you.

You will receive your yes or no answer usually within 60 minutes.

Now that’s a Nifty loan!

Do you do credit checks?

After loans with no credit checks?

Here at Nifty we believe that your credit history is in the past and should stay there.

We utilise the latest banking technology that will obtain 90 days of bank statements in seconds to give us an idea of whether your loan can be approved or not. That’s right – we look at more than just your credit history, and rather take your relationship with money into account.

Can I get one of your same day approval loans if I am receiving Centrelink payments?

Yes!

If you have been receiving payments regularly into a personal bank account, you will be eligible to apply for one of our same day approval loans.

How do I repay my Nifty same day approval loan?

Loan repayments are a breeze!

Once your loan is approved we will come to an agreement with you on how much and when your loan will be repaid and a direct debit will be set up from your nominated bank account.

It’s that easy! no need to worry about bills because it’s already done for you!

What if I want to pay out my same day approval loan earlier?

You won’t incur a payout fee with our same day approval loans as we have fixed fees inline with the responsible lending requirements at the beginning of your loan and monthly.

This gives you the flexibility to choose to pay out your loan sooner or later!

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

Who is this product for? Those who are looking for fast processing same day approval loans
To be eligible to apply for a same day approval loans? A permanent Australian resident. Must be over 18 Years of age. Have a regular source of income!
What repayment terms do you offer? Up to 24 months.
Loan types available Fixed Personal Loans
Lender Nifty Personal Loans

Finally, customer service excellence is essential here at Nifty Personal Loans.

We understand that it can be stressful taking on a loan and that’s why we want to ensure all your worries are laid to rest before you take on one of our Nifty same day approval loans.

If you have any queries or concerns you can call our dedicated customer service team, who are right here in Australia.

Apply for a loan with us and see why thousands of Australians trust Nifty Personal Loans.

So what are you waiting for APPLY NOW!

It will take you less time than a cup of coffee and you can do it from your lounge room or office!

Loan approval in 60 minutes? That’s some seriously fast finance!

How to qualify for a nifty’s same day 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.

Able to give us a an active mobile number or 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 Same Day Approval Loans?

samedayapprovalloans Overall rating: 4.6 out of 5 based on 5 reviews.

easy to use

★★★★★
5 5 1
Great service easy to use easy repayments

easy to use

★★★★★
5 5 1
Great service easy to use easy repayments

Great company

★★★★★
5 5 1
Great company with easy repayment options. They only loan what you can afford which is fair and safe. Staff were friendly when I called them with minor concerns helped me all the way through the loan process.
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same day approval loans