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.


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 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.

Nifty has the fastest service for small same day loans in Australia– you will receive a yes or no answer from Nifty Loans 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.

Hit the apply button at the top of the page and fill out our small same day loans application form. On average it takes our customers four minutes to complete. 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 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?

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

Once you have ticked all of the above eligibility boxes, hit the apply button. That’s it! Your small same day loans application is on its way to us! Completing it usually takes around 4 minutes, which is much faster than most traditional lending processes!

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.

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

Now that’s a Nifty loan!

Do you do credit checks on small same day loans?

Seen a lender offering no credit checks for small same day loans? You may want to be cautious. As a responsible lender, we do credit checks on all small same day loans.

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 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 an account.

So don’t be 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 get one of your 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 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!

For those with Bad Credit, paying out your loan sooner can help improve your score!

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’re proud to offer same day approval loans online! There are some benefits of doing so:

  • 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 same day approval loans.

We know that time is precious. That’s why we’ve made our application process simple and fast! It only takes 4 minutes to fill out our application, and once sent you could be approved in 60 minutes! Apply for a loan with us and see why thousands of Australians trust Nifty Loans.

So 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.


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 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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