Nifty can offer same day approval loans up to $5,000, taking the hassle out of lending! Apply now.

How much cash do you want?
How long do you want it for?

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $5000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Repayments

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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. Click here for a worked example

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our loans between $300 and $2000 is 199.43%. 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. Click here for a worked example

same day approval loans

What are same day approval loans?

Same day approval loans are a loan that is applied for, processed and approved within the same day. Most of the time our team of loan specialists can offer quick personal loans, where we approve the application on the same day, if you apply within business hours.

Nifty has one of the fastest services for small same day loans in Australia– most applicants receive a yes or no answer from Nifty Loans within 60 minutes of completing their application. We have a pocket rocket team that can have your application soaring in no time!

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.

Hit the apply button at the top of the page and fill out our small same day loans application form. If you applied for your small same day loans during business hours, then you could be approved in 60 minutes and see the money in your account on the same day!

Am I eligible to apply for a same day approval loan?

To be eligible for our possible same day approval loan, you need to be at least 18 years of age, an Australian resident, receiving a regular income and have an active mobile number or email.

How do Nifty process same day approval loans applications?

Submitting your application is as easy as 1,2,3!

Once you have ticked all of the above eligibility boxes, hit the apply button and fill out our quick loan form. That’s it! Your small same day loans application (just remember we cannot guarantee same day outcomes) is on its way to us!

Once you have completed your 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.

We know that you don’t want to waste time, that’s why you will usually receive a yes or no answer usually within 60 minutes (during business hours).

Now that’s a Nifty loan!

Do you do credit checks on small same day loans?

Yes, we do conduct credit checks. Don’t freak out though! Here at Nifty, we believe that your credit history is in the past and should stay there.

When you apply for small same day loans, we’ll utilize the latest banking technology to obtain a minimum of 90 days of your bank statements within seconds. This 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 an account.

So don’t be too worried about your credit score, because we’re not!

For any more questions on this, the Australian Government’s website, MoneySmart, may have the answers you are looking for.

I have a bad credit score, can I still apply for small same day loans?

Yes! We offer bad credit loans too!

We understand little hiccups can happen along the road. You may have forgotten about a utility bill or were off work due to personal reasons. Getting a bad credit score under these circumstances doesn’t make you a bad person.

We look at other aspects of your financial life too. That’s why we look at 90 days worth of bank statements to see what your current relationship with money is really like.

You don’t need to be scared of applying for a loan. Fill out the application form to see how we can get you back to financial health!

Can I apply for a possible same day approval loans if I am receiving Centrelink payments?

Yes! We can consider most Centrelink payments as a source of income.

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

Unfortunately, we cannot accept all Centrelink payments as regular income. For example, the Youth Allowance, Austudy and Newstart payments are considered temporary payments. Therefore you will not be able to use them as a regular source of income.

If you have more questions about your eligibility, contact our team!

How do I repay my Nifty same day approval loan?

Loan repayments are a breeze with Nifty Loans!

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 remember because it’s already done for you!

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

Not a problem! You won’t incur a payout fee with our same day approval loans as we have fixed fees in line 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 Loans

What are the benefits of getting a same day approval loan?

We do our best to offer same day approval loans online! Here are some of the benefits:

  • It’s convenient! You don’t need to leave home to apply or receive your loan.
  • Quick and painless application process that wastes no time to give you an answer
  • Giving a fair go to those who need it most. Whether you got bad credit or are receiving Centrelink payments, we always provide the best customer support to get you back on your feet.

Nifty Loans are always here to help you, so contact us if you have any questions!

Why choose Nifty Loans?

Customer service excellence is essential here at Nifty Loans. Because we are an Australian based company, our staff are also based in Australia! If you have any queries or concerns you can call our dedicated customer service team who are always ready to help.

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 quick cash loans.

That’s why we have made our application as fast and painless as possible. Don’t waste any time, hit the apply button at the top of the page and see how Nifty we are!

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.

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 (subject to workload and 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%
  • 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

Example

Loan Amount: $1000 $1000
Term: 6 Months, repayable weekly (25 weekly repayments) 12 Months, repayable weekly (50 weekly repayments)
Principal amount: $1000 $1000
Establishment fee: $200 (20% establishment fee) $200 (20% establishment fee)
Total other fees: $240 (fees based on 4% per month over 25 weeks) $480 (fees based on 4% per month over 50 weeks)
Total payable: $1,440 $1,680
Weekly installments: $57.60 $33.60

medium personal loans.

  • Loan amounts: $2,100 – $4,600
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 48%
  • Comparison Rate: 67.41%
  • 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

Example

Loan Amount: $3,000 $4,500
Term: 18 months, repayable weekly (78 weekly repayments) 24 months, repayable weekly (104 weekly repayments)
Principal amount: $3,000 $4,500
Establishment fee: $400 $400
Total other fees: $1,379.06 (reducing interest) $2,732.56 (reducing interest)
Total payable: $4,779.06 $7,632.56
Weekly installments: $61.27 $73.39

large personal loans.

  • Loan amount: $5,000
  • Terms: 13 months – 24 months
  • Establishment fee: up to $400.
  • Annual Percentage Rate (APR): 21.24%
  • Comparison Rate: 48%
  • 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

Example

Loan Amount: $5,000 $10,000
Term: 18 months, repayable weekly (78 weekly repayments) 24 months, repayable weekly (104 weekly repayments)
Principal amount: $5,000 $10,000
Total Interest: $2,027.80 $5,577.12
Total payable: $7,027.80 $15,577.12
Weekly installments: $90.10 $149.78

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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