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up to $5,000

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I want to borrow $1,000

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Are You Looking For Online Loans Fast Approval?

Need cash now? No time to waste? Nifty is the online lender that is changing the lending game – for good! Online loans fast approval means you get the cash you need when you need it.

Online loans fast approval: who has time to wait?

No waiting in line or pages and pages of paper forms. Our team will cut straight to the chase so you can get back to doing what you do best. Our fast loans process is 100% online. That means everything from application to approval can be done from the comfort of your couch.

What are online loans fast approval?

Online loans fast approval are personal loans that you can apply for 100% online in just a few minutes. If you choose to submit an application during AEST business hours, our team will do their best to get back to you with an outcome in just 60 minutes. We understand that when you need quick cash, there is no time to waste. That’s why you can submit an application in just a few minutes, receive a decision in 60 minutes** and if approved, money in 60 seconds*. That’s online loans fast approval. We use secure banking technology to access read-only copies of the documents we need. That’s Nifty.

How Fast?How Often?
Receive an outcome instantly70% of applications
60 minute manual assessmentFor most applicants during business hours who don’t get an instant outcome.
Cash in account within 60 seconds after signing your contractCurrently 88% of our personal loan customers.

Why choose an online lender?

The way we spend, save and store money has changed. So, we think the way you borrow should change too. Nifty Loans has developed a seamless application, optimised for user-experience so you can apply for a loan quicker. We know when you’re googling ‘online loans fast approval’, you don’t what to waste time. Not only will Nifty conduct a thorough and fair assessment of your loan application, but we also look beyond your credit score and assess your current relationship with money. So, we can provide Aussies with loans for bad credit, when they need cash, quick.

How does Nifty look at bad credit?

If you’ve ever applied for a personal loan with a traditional lender then you probably already know how they view bad credit. Applicants with poor credit scores don’t usually get much of a look in with the big banks. The good news is Nifty is revolutionising the way we look at credit. Our team will take a look at the whole picture when assessing your fast loan approval online application. We’ll look at factors such as income, bank statements and pre-existing financial commitments to make a fair decision on your loan application. You can rest easy knowing that the Nifty team will do their best to match you with the best possible loan for your financial circumstances.

Who can apply for quick cash loans online?

Like what you hear? Ready to submit an application for a cash loan online fast approval? Before you apply, just double check that you meet these requirements:

  • Applicants must have an active mobile phone number and email address;
  • You must have internet banking set up;
  • All applicants must be over the age of 18;
  • You have had a regular income for the last 3-months into a personal bank account;
  • You must be able to prove you’re an Australian citizen or permanent resident.

Meet these requirements? You’re ready to apply! To get started with your application, use our loan calculator located at the top of this page. Select how much you wish to borrow and for how long. Once you are happy, click the ‘Apply Now’ button!

What documents will I need to show Nifty?

When you borrow with Nifty, gone are the days of providing pages and pages of documentation. When you apply for an online loan fast approval with Nifty, we’ll stick to the basics. Our team won’t ask you to provide anything unnecessary. Here’s what you’ll need to have handy:

  • Your personal details (name, D.O.B etc.);
  • Internet Banking Details (so we can securely access read-only copies of your bank statements);
  • You will need to provide us with the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

If you have this information handy when you apply, it’ll save you from having to go digging mid-application.

Why does Nifty need my online banking details?

We ask for your internet banking details so we access read-only copies of your bank statements. Nifty uses secure banking technology to ensure your information is always encrypted – that means no one will ever be able to see your passwords or personal information.

We assess your bank statements so we can have a realistic look at your finances. Our team will look at factors such as your income, spending habits, regular payments and pre-existing financial commitments. If you’ve got poor credit, your bank statements allow our team an opportunity to assess whether you have made a considerable effort to reconcile your poor credit score. The Nifty team wants to ensure you have the means to repay your loan. As responsible lenders, we will never lend cash to an applicant who does not have the means of repayment.

Will Nifty call my workplace?

At Nifty, we do conduct employment checks, but only on applications where are unable to verify your income. There is no need to let this deter you, employment checks are just a part of our loan assessment process. Our team are highly experienced and qualified, so employment checks are conducted with complete discretion.

Nifty will never disclose any of your personal information, including the reason why you are seeking a personal loan. You can contact the Nifty team at any time if you would like to know more about employment checks. Otherwise, you can head over to our FAQ page for more information.

Does Nifty do credit score checks?

At Nifty, we do conduct credit score checks on online loan fast approval applications. As a part of our commitment to responsible lending, we are required to conduct a thorough and fair assessment on all fast approval online loans Australia applications. Although we do not base our entire assessment around the outcome of a credit score check, it is still required that we perform one. At Nifty, we’ll do our best to give you the best possible chance at a personal loan. We look for the best loan product for your individual circumstances. It is in the best interest of all consumers that Nifty adheres to its responsibilities as a responsible lender. We want to promote financial health and wellbeing. We don’t want to see our clients in debt!

Can I get a fast approval same day loan?

At Nifty, we do our best to provide fast approval same day loans. If you choose to submit an application during AEST business hours, our team will do their best to get back to you with an outcome in just 60 minutes**. If approved, we deliver the cash in 60 seconds** straight to your bank. We know that when you need a fast approval same day loan, you may need your car to drive to work, or your best bud might need emergency care so you need cash fast.

We won’t hold you up on the phone for hours, our team will work tirelessly to match you with an appropriate loan product. It is important to remember, however, that we are committed to responsible lending. That means all of the correct checks must be carried out to ensure the loan is appropriate for the borrower’s individual circumstances. You can get in touch with the Nifty team if you’ve got questions!

Online loan fast approval: no better time to apply

There has never been a better time to look for an online loan with fast approval if you want a good deal. There are benefits where repayment terms are concerned too. Nifty Loans makes sure to disclose the terms before preparing a contract. We do not charge hidden fees. Our customers are never in for any unpleasant surprises.

Nifty assesses applicants on a case-by-case basis. Many of our clients need an online loan fast approval as a result of financial emergencies and unexpected costs. That’s why we guarantee to give all loan applications a fair assessment – no matter your credit score.

How much can I expect to receive from an online lender?

There are all kinds of lenders in Australia offering a variety of different loan products. Some lenders offer payday loans online with fast approval for larger sums of money and other lenders offer fast approval online payday loans with nearly instant approval for smaller loan amounts. The amount of money you can expect to borrow varies between lenders.

At Nifty we offer quality personal loans to everyday Aussies looking for a fair go on the finance they want. Our seamless application, coupled with a fast assessment process means we can deliver a speedy outcome within 60 minutes*; however, we do not claim to provide instant service.

*If you submit an application during AEST business hours.

You could apply for between $300 – $5,000 with Nifty over a term of repayment that suits you. Our team do their best to structure your repayments around your income. We can set your repayments to be deducted on the same day you receive your pay. That means you will never have to worry about having the cash in your account. At Nifty, we want to make it as easy as possible for you to repay your online loan fast approval.

Why should I choose Nifty?

Small and medium loan providers operate in a niche that’s characterised by cutthroat competition, and the race is on to offer uniquely attractive products. That being said, there are a number of reasons you should pick Nifty for your loan needs:

  • We aim to stay competitive and customise products according to our customer’s personal needs.
  • We’re 100% online lender committed to helping Aussies across the country get access to the loan they need.
  • We keep borrowers fully informed about the best loan products for their needs.
  • It is free to submit an application.
  • We don’t guarantee we’ll be able to provide precisely what you had in mind, but we’ll explore every option exhaustively.
  • We promise easy application, a quick assessment on your loan, full transparency, and flexibility.

Apply Now!

Don’t spend any more time waiting because time is money. Apply for an online loan fast approval with Nifty right now. There is no need to get ready, go anywhere and wonder if you’re doing the right thing. Nifty is making personal loans accessible to all Aussies with the click of a button.

Apply Now

Disclaimer: Nifty Loans is a lender. We do not offer financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

More Nifty Info

Found this article helpful? Check out the rest of our site for information on pension loans, micro business loans and more!

Do you need to get money quickly? Apply with Nifty in minutes and receive a decision within the hour*.

*If you submit an application during AEST business hours.

**Only available for NPP enabled bank accounts

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
EEstablishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
EEstablishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* 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.