Same day approval loans up to $5,000. 100% online. Apply Now!

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!

Who can apply?

18+

You're at least 18 years old

kangaroo

You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts: $300 - $2,000
Terms: 3 - 6 months
Establishment fee: 20%
Monthly Fee: 4%
Max Comparison Rate: 199.43%
VIEW EXAMPLE

Small Loan Example

Loan amount: $1,000
Terms: 12 Months,
(50 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $33.60
VIEW LOAN DETAILS

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts: $2,001 - $4,600
Terms: 13 - 24 months
Establishment fee: $400
APR: 48%
Max Comparison Rate: 67.41%
VIEW EXAMPLE

Medium Loan Example

Loan amount: $3,000
Terms: 18 Months,
(78 weekly repayments)
Establishment fee: $400
Total other fees: $1,379.06 (reducing interest)
Total payable: $4,779.06
Weekly installments: $61.27
VIEW LOAN DETAILS

Large Loans

$5000

large potplant
Loan amount: $5,000
Terms: 13 - 24 months
Establishment fee: $400
APR: 21.24%
Max Comparison Rate: 48%
VIEW EXAMPLE

Large Loan Example

Loan amount: $5,000
Term: 18 months,
(78 weekly repayments)
Establishment fee: $400
Total Interest: $2,027.80
Total payable: $7,027.80
Weekly installments: $90.10
VIEW LOAN DETAILS

Who we've helped

Same day approval loans up to $5,000. 100% online. Apply Now! Overall rating: 4.8 out of 5 based on 20 reviews.

Who we've helped

Same day approval loans up to $5,000. 100% online. Apply Now! Overall rating: 4.8 out of 5 based on 20 reviews.
parents teaching daughter to ride bike
quotation mark

Excellent

"Excellent"

- james

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How customers rate Nifty's Personal Loans

Same day approval loans up to $5,000. 100% online. Apply Now! Overall rating: 4.8 out of 5 based on 20 reviews.

Types of loans