Direct Loans | $2,500 - $10,000 | Cash In Your Account Fast | Apply Now!

Navigating monthly expenses and finances can be challenging. If an emergency hits you while you’re short on cash, you may need some additional money to cover these unexpected expenses. In these instances, you may consider employing the services of a lender offering direct loans. However, choosing a lender is never that straightforward. That’s why you should consider direct loans from Nifty!

What Are Direct Loans?

If you’re trying to figure out the difference between a direct lender and a traditional lender like a bank, let us explain.

Direct loans differ from credit provided by the banks due to their fast processing times. Nifty offers personal loans that can be approved within minutes, and depending on your bank, transferred within the hour. You can apply for a direct loan with Nifty of up to $10,000 in a few minutes.

Are you considering using a Lender Finder Service?

When you’re searching for a loan, you may come across lender-finding services that claim they’ll find you the perfect loan. While lender-finders can take a lot of the guesswork out of applying for a loan, they may not always be the best option. Sometimes, these lender-finders may not pair you with a lender who actually is the best fit for your situation.

Alternatively, you could apply with a bank, and spend hours in queues and filling out forms only to be declined. Instead of using a lender-finding service or a bank, it may be a better option to work with a lender directly. So, if If you’re reading this, congratulations. You’ve already met a direct lender. That’s right – Nifty could offer you a very fast loan today! You might even be surprised. We could provide you with travel loans, truck loans, IVF loans, even home improvement loans!

Online loans direct lenders

Being able to lodge a loan application with an internet-capable device lets everyday Australians do business on their terms. Raining outside? No stress. Simply boil the kettle, make a cup of tea, and settle into your favourite couch. You’ll be able to send off your loan application from the warm, dry comfort of your living room.

Additionally, using Nifty’s direct loans application process is also 100% paperless. This means a few things. Firstly, that’s fewer trees being cut down (always a win!). Secondly, that means fewer confusing forms for our customers to fill out and keep track of.

Lastly, being online, everything we do is super-fast. If you lodge your application during normal AEST business hours, you should receive an outcome within 60-minutes*. From there, you could have the money in your account within 24-hours. If you have an NPP-enabled bank account, you can even get your funds instantly (within 60 seconds**)! Pretty quick, right?!

Finance and loans direct: Is bad credit an issue?

Can we guarantee approval for bad credit loans?

At Nifty, while we can’t guarantee approval, we can guarantee we’ll give your loan application the fair assessment it deserves. We aren’t just going to take one look at your credit score and knock you back. We will look at the whole picture and consider your current relationship with money. So, if you have bad credit, you could be eligible for a bad credit loan with Nifty!

How do we assess bad credit loans?

How are we able to do this? We start by accessing a read-only copy of your banking statements. From here, we’re able to get a better understanding of your current relationship with money. We look at how you’ve been handling other repayments you may have, as well as what sort of income you’ve been receiving. If we’re able to see you’ve been making an effort with your other repayments, as well as receiving income, you may still be approved for your loan, despite your bad credit. That’s because we concentrate on your ability to repay your loan, rather than just your past mistakes.

If it’s just your credit score that’s holding you back from applying for a direct loan, you should still consider applying with Nifty. We are more lenient than traditional lenders, but can also provide the peace of mind of being with a reputable lender.

Are you eligible for a direct loan?

We’d love to help as many people who have been googling ‘loans direct lenders online’, as possible. There are, however, a few minimum eligibility requirements you need to meet. So, before applying for one of Nifty’s direct finance loans, make sure you:

  • Are at least 18-years or older;
  • Are an Australian citizen or permanent resident;
  • Have been receiving a regular income for at least three months;
  • Possess a valid contact number and email address;
  • Have a personal bank account with internet banking set up.

Meet all these requirements? Great! You’re one step closer to applying for Nifty’s loans direct.

Same day response

How fast is Nifty Loans? How many people does this apply to?
You can receive an instant outcome. 70% of applications!
Receive final outcome in 60 minutes* (during business hours) This applies to most applicants if you didn’t receive an instant outcome.
Cash in your account within 60 seconds** of approval! 88% of our customers have cash in their account within 60 seconds** of approval.
What are you waiting for? Apply today!

So, if you have been googling ‘online loans direct lenders’, your search is over. Scroll on up to get started on your Nifty loan application, today!

So, what are you waiting for? You could scroll up and apply for a loan right now!