Same day cash loans up to $5,000. Apply now!

same day cash loans

Nifty same day loans. You’ll breeze through our super simple application form. From there, you could have an outcome within minutes. If approved, you may even have the money in your account within 24-hours. Fast and easy – just how we like it!

What are same day loans?

Same day loans are designed to be super fast. Nifty offers same day loans up to $5,000 in your account within 24-hours of approving the loan contract. Keep in mind, however, that this is dependent on your individual circumstances and how your bank handles transfers like these. Overall, if an unforeseen expense pops up and you need money in your account fast, same day loans might be your best option.

The Easiest, Breeziest Way To Borrow Money Online

We are a 100% online Australian money lenders who pride themselves on delivering super-fast loans and providing genuine customer service.

When life throws you a curveball, Nifty can offer same day small loans, usually between $300 – $5,000. Our short term loans range from three to 24-months. Whatever your situation, Nifty may have the right loan for you.

How Do Same Day Loans Work?

If a borrower needs cash in their account as soon as possible, they are able to get in contact with a lender offering same day loans, like Nifty. From here, the process is very simple:

1. Enter in the loan amount and desired repayment period in the loan calculator at the top of the page.

2. Fill out the easy online application form. Once this has been submitted, our assessment team will get back to you with an outcome within minutes. If approved, we’ll send you over your loan agreement.

3. Once you’ve signed your loan agreement, we’ll get to work transferring your loan. You could even have the money appear in your account within 24-hours. **

** This is dependent on inter-bank transfer times.

Who is eligible for a Nifty loan?

Before you can apply for a possible same day cash loan, you simply need to meet the following requirements:

  1. Must be over 18-years old;
  2. Be an Australian citizen or permanent resident;
  3. Be receiving a regular income for at least 3-months;
  4. Have an active mobile number and email address.

That’s it! Just those four requirements and you’re ready to apply with Nifty Loans!

What to have handy when you apply with Nifty Loans?

Applying with Nifty Loans, there are a few details to have by your side just to make your life that bit easier!

So, before you apply just get these details ready:

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

Having these details handy will help you breeze through your application. Leave the legwork to us, and complete your quick loans application in just a few minutes!

How to apply

Applying is easy. Our application can be completed within minutes, and as a bonus, is 100% online! Here are the parts that make up the magic of the loans we can offer:

Part One: Apply Online

Our 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 loan calculator. Just select how much you wish to borrow and for how long. Once you are happy with your loan terms, click the Apply button and you’re on your way! 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 review and sign the electronic contract and your moolah will be transferred on the same day! It’s that easy. No fuss, no worries. This is, of course, provided your contract is signed before the close of business.

What are the benefits of applying for loans?

There are some pretty big benefits from applying for our potential 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!
  • Our application is fast and to the point. Some applicants will get a yes or no answer on their loan application within minutes!
  • Looking for no credit checks loan? While we do do credit checks, we may still be able to help you if you have bad credit! 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. So apply today for bad credit loans

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 – If you’re loan application is approved, the loan money will be transferred to your account on the same day (provided the contract is signed before close of business).

Is It Hard To Get A Payday Loan?

At Nifty, we do not offer payday loans. Payday loans often come with eye-watering interest rates and crippling fees and charges. Instead, you should consider Nifty.

If you are in need of cash in your account as soon as possible, apply with Nifty.

Can I Get A Loan Same Day?

At Nifty, we pride ourselves on how quick our loan process is. If you approve your loan contract within normal business hours, you could indeed receive your personal loan same day. This is, however, dependent on inter-bank transfer times.

How Can I Get A Payday Loan?

Nifty does not offer payday loans. We do, however, offer same day personal loans. These loans provide the speed and convenience of a payday loan, but also provide the security of a responsible lender.

How Soon Do You Have To Pay Back A Payday Loan?

Generally, payday loans have a loan term of around 4-weeks. Nifty loans, however, does not offer payday loans.

Nifty offers personal loans with repayment terms ranging from three to 24-months.

Do You Offer Same Day Loans Bad Credit?

Yes! Unlike many traditional lenders, Nifty does not solely assess your application based on your credit score.

We access your a read-only copy of your banking history. This is so we are able to get a better understanding of your current relationship with money. By doing this, we are able to look past your bad credit, and give your application the fair assessment it deserves. Why not apply for a bad credit loan, today?

Do You Offer Same Day Loans No Credit Check?

No. Nifty is likely to conduct a credit check on your assessment.

We do, however, also look at your bank statements. We do this to get a better idea of your current relationship with money. If we can see you’ve been receiving a regular income for at least three months, and have been keeping up with any other repayments you may have, you may still be approved for your loan. So, even if you have bad credit, consider applying with Nifty.

Do You Offer Same Day Loans For Pensioners?

Yes. At Nifty, we will consider regular pension payments as a form of income. We will assess your application based solely on your ability to repay the loan.

Do You Offer Same Day Loans For Centrelink?

Yes. Nifty will consider regular Centrelink payments as a form of income. If your repayments will comfortably fit within your Centrelink payments, you stand every chance of being considered for approval. So, what are you waiting for? Apply for a Nifty little loan today.

We OfferWe Don’t Offer
Cash loans AustraliaPayday loans Australia
Bad credit loansPayday loans bad credit
Loans for people on CentrelinkPayday loans Centrelink
Online cash loansPayday loans online
Loans for single parents on CentrelinkPayday loans for Centrelink customers
Same day loansInstant payday loans
Same day online loansOnline payday loans Australia
Weekend loansWeekend payday loans no credit check

Ready to apply?

If you have bad credit, receive Centrelink or just looking for some quick cash, apply with Nifty Loans. We’re a fresh take on an old system, and ready to bring fast, quick lending into the light. To apply, just complete our application – it only takes a few minutes!

Let’s be friends

You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.

If you’re looking for a personal loan, Nifty can now help you out, bad credit and all!

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter, Google + and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

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 Approval

"Excellent service. Fast approval. Thank you."

- Jeff


Types of loans