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

same day cash loans

Are you wondering what these same day cash loans that people are raving about? Then you have come to the right place! Nifty Loans can offer same day cash loans!

Here at Nifty, we pride ourselves on our customer service excellence, our 100% online loans, and our speedy loans! You can apply for your same day cash loan and have it in your account within 24-hours (if accept you contract within business hours)! Now that’s a fast Nifty loan!

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 are Nifty same day cash loans?

Nifty can offer short term unsecured loans to help you get back on your feet when life throws you a curve ball. 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 – $5,000 for a fixed term.

We are an 100% online Australian lender and have friendly customer service representatives available to answer any questions you may have about our 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 do same day cash loans work?

Nifty same day cash loans are usually between $300 to $5,000. Here at Nifty, we understand the significance of personal 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

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 1: 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).

Do you do credit checks when I apply for the same day cash loan we can offer?

Yes! But we do consider bad credit, unlike some lenders. We don’t think you should be rejected based purely on a credit check.

Do we provide bad credit loans?

Yes! We do provide loans for people with bad credit. We do perform credit checks but don’t let that deter you from applying for bad credit loans. When we assess your application, we lool at more than just your credit score. We also look at your current relationship with money, including income and expenses. We don’t think bad credit that may have been caused by the odd late repayments a few years ago, should impact the cash you need right now. So, if you have bad credit, apply with Nifty Loans today for a fresh take on less-than-perfect credit.

If I’m receiving Centrelink 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 60 minutes (if you apply during regular business hours!). 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!

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?


You're at least 18 years old


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%

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

Medium Loans

$2,001 - $4,600

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

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

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

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
*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

Same day cash loans up to $5,000. Apply now! Overall rating: 4.6 out of 5 based on 3 reviews.

Who we've helped

Same day cash loans up to $5,000. Apply now! Overall rating: 4.8 out of 5 based on 46 reviews.
man sitting with phone
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quick personal loans service

"Extremely dependable and effective service."

- Barry


How customers rate Nifty's Personal Loans

Same day cash loans up to $5,000. Apply now! Overall rating: 4.6 out of 5 based on 232 reviews.

Types of loans