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 may 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?

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?

To be eligible, you need to be at least 18 years of age, an Australian citizen or permanent resident, receiving a regular income into a personal bank account for at least 90 days and have an active mobile number and email.

What to have handy when you apply with Nifty Loans

Before you apply with Nifty, have these details by your side to make life that bit easier:

  • Personal contact details e.g. email address and mobile number
  • The reason for your loan
  • Internet banking details
  • MyGov details (if applicable)
  • Employment info

That’s it! Just have these details handy and you can breeze through your application! If you have any questions about the info we require for your application, just contact our team via our Contact page.

How does 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 is on its way to us! Just remember we cannot guarantee same day outcomes.

Once you have completed your application it will then go to our loan approval officers who will decide if one of our 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 (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 utilise 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 the bank statements you have supplied 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 Nifty can help!

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.

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 repayments work?

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. Before signing make sure you check your contract to see when your repayments will be deducted from your account.

It’s that easy! No need to remember because it’s already done for you! Just keep an eye on your repayments and make sure you have enough moolah in your account.

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 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 loans
To be eligible to apply for a same day approval loans?A permanent Australian resident or citizen. 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 availableFixed Personal Loans
LenderNifty Loans

What are the benefits of applying for same day approval loans?

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 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

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

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** 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 with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Fast Unsecured Loans

"Excellent people at Nifty happy to help out a single mum in need. Thanks Nifty For helping my little family though a small hurdle ,"

- Tanya


Types of loans