Do you need same day cash loans up to $4,600 in a hurry? Apply now at nifty personal loans. We are 100% online!

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(%)

Same day cash loans

Are you wondering what these Same day cash loans that people are talking about are? Then you have come to the right place!

Here at Nifty we pride ourselves on our customer service excellence, our 100% online loans, and our speedy loans! Nifty can have your same day cash loan to you usually within 60 minutes of your loan being approved. Now that’s a fast Nifty loan!

What are Nifty same day cash loans?

A Nifty same day cash loans are a short term unsecured loan to help you get back on your feet when life throws you a curveball. This same day cash loans include an agreement where the borrower must repay the original loan, plus fees over a defined period of time. A Nifty same day cash loan is a small loan usually between $300-$4,600 for a fixed term.

We are a 100% online Australian lender and have friendly customer service representatives available to answer any questions you may have.

How do same day cash loans work?

Nifty same day cash loans are usually between $300 to $4,600. Here at Nifty we understand the significance of instant same day cash loans and that life doesn’t always allow for planning. We are leaders in our field at offering a solution for life’s little speed bumps that the big banks don’t want to know about. We are 100% online!

How to apply for same day cash loans

Applying for same day cash loans is easy. Ever thought a personal loan application would take 55 minutes to complete? Well, ready to have your mind blown, because our application 4 minutes to complete and is 100% online! Here are the parts that make up the magic of our same day cash loans application process:

Part 1: Apply Online

Our same day cash loans application is simple and convenient. Say goodbye to fruitless trips to the bank and endless meetings with your bank. At Nifty, we don’t make you jump through the ringer, we give the right tools to succeed. To start your application, simply scroll up and use our same day loan calculator. Just select how much you wish to borrow and for how long. Then, select whether you wish to make your repayments weekly, fortnightly, or monthly. Once you are happy with your loan terms, click the Apply button and you’re on your way to same day cash loans! It’s that easy.

Part Two: We Assess your Application

After you’ve submitted your application, the rest is down to our expert team of loan specialists. So, don’t sweat it. Sit back relax and enjoy a calming cup of tea or coffee (or whatever your poison is), while we assess your application. However, keep a keen eye on your emails and texts for exciting info.

Part Three: We deliver your moolah!

If you hear the good news (that you’re approved!), then just sign on the dotted line and your moolah will be transferred directly to your account! It’s that easy. No fuss, no worries. Times may vary depending on the speed of your bank.

What are the benefits of getting my same day cash loans online?

There are some pretty big benefits from getting your same day cash loans online!

  • One of them being the fact that you don’t have to leave your living room or office to apply and receive your same day cash loans!
  • It will only take you on average 4 minutes to fill in our application form and you will get a yes or no answer on your loan application within minutes!
  • Looking for no credit checks loan? We do credit checks! But here at Nifty we don’t only look at your bad credit, because we think that your credit history shouldn’t be the only thing considered when assessing your loan eligibility.

Here at Nifty we understand that life doesn’t always go to plan and sometimes customers need a second chance and Nifty want to give you that chance!

Money transferred upon approval – Once your loan application is approved, the loan money will be transferred into your account within 60 minutes.

Do you do credit checks when I apply for a same day cash loan?

Yes! But we do consider bad credit unlike other big lenders. We don’t think you should be punished for them either!

If I’m receiving Centerlink benefits can I still apply for one of your same day cash loans?

Absolutely! All you need to do is be able to show us that you are receiving regular income into a personal bank account and your loan could be approved within 60min! Now that’s a Nifty little loan! So what are you waiting for? Start your partnership with Nifty today! Jump online anytime anywhere! All you need is an internet capable device and you can get your same day cash loans started with Nifty NOW!

There are a few things you will need to be eligible for a Nifty same day cash loan

Must be at least 18 years of age.

An Australian Citizen or permanent resident.

Receive a regular income into a personal bank account for at least 3 months.

You need to have an active mobile number and 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.).


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 Cash Loans?

samedaycashl Overall rating: 4.6 out of 5 based on 3 reviews.

Happy Customer

5 5 1
Nifty was very easy to apply with. They were very prompt in their reply to me and I received the money into my account without delay. Very happy with their service

Same day cash loans

5 5 1
I have bad credit so i didn't think I'd get help anywhere but nifty came through with a loan. Rego due so close to Christmas i was scared the kids would miss out. They worked out the amount that would be suitable for my financial situations and great repayment amounts. Will use again if ever needed

Perfect when your short of cash

4 5 1
Needed money fast and nifty gave me a chance. Will apply again when I'm sort of cash. Would recommend nifty to any family or friends Thanks again nifty for giving me a chance

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