Do You Need A One Hour Loan?

one hour loans

We’ve all experienced a time when we needed a little extra cash fast. There are plenty of scenarios that pop-up at the worst time. So, when you need cash fast, consider applying with Nifty. We could send you back a response within an hour of applying. So, when you need fast approval on a loan turn to Nifty!

Nifty One Hour Loans

Back in the old days, you would go straight to a bank and ask for an appointment to discuss your situation and apply for the loan. You were at the mercy of bank staff. Bad luck if you needed the money for an urgent medical emergency or car repairs. Getting the loan from the bank wasn’t easy then, but the situation still hasn’t changed much. Banks can still make you wait for a few days before you can get an outcome on your application. Not only that but you also have to file mountains of paperwork to apply for a loan.

Fortunately, you no longer have to be at the mercy of banks. When you need some cash fast for unexpected expenses that rear their ugly heads at the least opportune moments, you can apply for a one hour loan from Nifty. You could even get same day cash loans. One hour loans are instant loans and you may get an outcome on them within an hour (during normal business hours). If you’re approved, the funds will be released on the same day, provided it is accepted within business hours. Access to funds is subject to inter-bank transfer times.

One-Hour Loans

Many people don’t understand how one-hour loans work. These are simple loans which you may get approved for very quickly. The reason they’re called one-hour loans is that you may get an outcome on your application within an hour (during normal business hours). However, one-hour loans don’t mean that you’ll get the funds in your account in an hour.

One-Hour Personal Loans

When you experience an urgent crisis and are short on cash, you naturally end up searching for a personal loan. Applying for a personal loan with traditional lenders could take days or even weeks and by the time you get the money in your account, it may be too late. Nobody wants to face unpleasant circumstances like going to work on public transport because they don’t have the cash to repair their car.

In these types of situation, a one-hour personal loan from Nifty could be the right option. You may get an outcome on your one-hour personal loan application within an hour (during normal business hours).

One-Hour Quick Loans

Life is full of surprises. Sometimes those surprises provide us with great opportunities but there are times when they lead to cash-related issues. Fortunately, nowadays there are 1 hour quick loans available from Nifty that may help you resolve such problems.

These loans could be the right option for you if you need to get your hands on instant cash without dealing with mountains of paperwork or waiting for days. All you have to do to apply for a one-hour quick loan is fill our simple application and we’ll get into evaluating it. Once we are done, we’ll provide you with an outcome. We may take an hour to completely evaluate your application (during normal business hours).

One-Hour Fast Cash Loans

We understand the headache and stress you experience when life throws curveballs at you and leaves you in the lurch. You may need some instant cash to get out of the dire situation. At Nifty, we may be able to provide you with the money you need with our one-hour cash loans online.

The maximum you may be able to borrow from us is $5,000 and you may be required to pay that amount within a period of 24-months. Our one-hour cash loans very quick funds could be the perfect solution to deal with unexpected expenses. That’s because if you’re approved for a one-hour cash loan, you may get the money in your account the same business day. However, access to funds is subject to inter-bank transfer times.

One-Hour Cash Loans No Credit Check

Fast cash loans in one-hour are offered by us. However, we don’t provide one-hour cash loans no credit check. As responsible lenders, we do check credit scores on one-hour loans, but that shouldn’t deter you from applying for a loan with us. Even if you have bad credit, you still have a chance to qualify for one-hour loans with bad credit. We could even provide cash for unemployed people – so, why not apply now.

The reason is that we’re more lenient than traditional lenders. Unlike them, we won’t close the door on you if you have bad credit. We’ll give you a fair go regardless of your credit. You no longer have to worry about your past mistakes affecting your ability to borrow money.

When assessing one-hour loans application, we consider several factors and credit score is just one of them. Additionally, we also look at your current financial situation, so you may be able to qualify if your current relationship with money is okay.

Why You May Need A One Hour Loan

There are times when you need access to cash fast. You may not have a better option than getting a one hour loan. Some real-life situations where you may need a one hour loan include:

Medical Expenses

Life can surprise you at any moment. When those surprises come in the shape of a medical emergency, they can disrupt your life as well as your finances. You may need access to cash fast if you’re hit with a medical emergency and need to pay for your loved one’s treatment. That’s where a one hour loan from Nifty could help. So, apply for a loan with us when you need to spread the cost of a medical procedure over time.

Car Repairs

Cars are prone to breakdowns and no matter how well you maintain it; it can fail on you at the most unfortunate times. You may be short on cash to pay for car repairs, but that doesn’t mean you should suffer on public transportation until you have saved enough to afford the repairs. You may be able to pay for the repairs by getting a one hour loan from Nifty. So, when you need cash for car repairs, apply for a one hour loan with Nifty.

Eligibility Criteria

At Nifty, we give everyone a fair go regardless of their credit. However, there are few requirements you must meet before you can apply for a one hour loan with Nifty. You must:

  • Be at least 18 years old;
  • Be an Australian citizen or permanent resident;
  • Have been receiving a regular income;
  • Have a valid contact number and email address;

What Do I Need With Me When I Apply?

We know that you’re applying for a one hour loan because you need money fast. So, we want to make it even easier for you to get access to cash fast. That’s why we don’t make you complete mountains of paperwork and wait days to see if you’re approved. We have a super simple application – you can complete it within a few minutes. However, before you start, have these important details handy to breeze through your loan application:

  • Bank account details;
  • Personal contact information like mobile number and active email address;
  • Reason for getting the loan;
  • Employment info.

You should be able to fly through the application if you have this information at hand. You can shoot us an email at if you have any questions about the application and everything you need to complete it.

How to Apply for a One Hour Loan

Applying for a one hour loan Nifty takes only a few minutes. Follow these simple steps to apply with Nifty:

Step 1: Complete the Online Application

Scroll to the top of the page and use our loan calculator to select the amount you want to borrow and the time you need to pay it back. Once you’re done, click the ‘apply now’ button and complete the application.

Step 2: Application Assessment

Once you have completed the application, our experts will review it to determine if you are eligible for the one hour loan. You may get an outcome within 60 minutes (during normal business hours)

Step 3: Transfer of Funds

If you are approved, we will transfer the funds the same day (if approval comes during normal business hours). Access to funds is subject to inter-bank transfer times.

Benefits of a Nifty Loan

Although there are several benefits of getting a loan from Nifty, we’ll only give you a bite-sized preview of what you get from us. After all, we don’t want to brag.

100% Online

We’re 100% online which means you don’t have to deal with mountains of paperwork. All you have to do is fill a simple online application and we’ll have your application in our database for evaluation.

Quick Approval

At Nifty, we offer loans without any fuss – we do direct loans. Most of the time, borrowers can get an outcome on your application within an hour (if they apply within business hours). If you apply outside of normal business hours, we’ll get back to you with a response as soon as we’re back in the office.

No Punishment for Early Payment

You may want to pay off your loan early. That’s great. Unlike some other lenders, we won’t punish you with fees for paying off the loan early. Why should you be punished for being responsible with finances, right? You might be able to save a few bucks by paying off the loan before the end of the term.

100% Transparent

Just because we’re offering loans with fast approval doesn’t mean we’ll trap you with hidden charges. All our loan products are transparent. Our loans will not have any hidden fees or charges. You can rest assured that you’ll be paying exactly what you’ve been told.

Easy and Quick Repayments

Nifty delivers slick services and fast easy cash loans. You don’t have to set hundreds of reminders to remember making your repayment. That’s because upon signing the contract, you’ll be set up with a direct debit that’ll automatically come out of your account on the day you agree with us. This way you won’t have to worry about repayments.

Nifty Loans

Below is a list of some of the loans Nifty customers have been approved for.

Fast Cash NowAmountApproved
Instant Cash OnlineAUD ($)900
Bad Credit Loans OnlineAUD ($)2,500
Cash Loans For Bad CreditAUD ($)5,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

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%
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 potplant
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


large potplant
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

man sitting with phone
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Love this short term loan

"Nifty loans are so quick at making your borrowings go into your account 5/5 I would recommend this to everyone who needs a small loan easy repayments they respond so quickly I received it in a day of applying"

- Grouse


How customers rate Nifty's Personal Loans

Do You Need A One Hour Loan? Overall rating: 4.6 out of 5 based on 232 reviews.

Types of loans