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up to $5,000

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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*

Everything You Need to Know About Same Day Loans with Nifty

Accessing cash when you need it most!

Want some instant cash to meet emergency expenses? Same day loans is one of the fastest ways to get urgent funds in Australia. 

Life is full of uncertainties. Unexpected expenses or financial emergencies are almost impossible to predict. The burden of an unexpected bill forces us to scramble for money to meet the emergent situation. Where should you get immediate financial relief during such a tricky time? Same day loans can offer a big relief. Nifty Loans offers fast personal loans that are perfect for those in urgent need. 

By the way, if you’re expecting a baby, you’ll want to check out our Expecting a Baby? Here’s Some Budgeting Tips to Help You Prepare article.

Applying for same day loans with Nifty is super-easy. The application is 100% online meaning you can submit it on the go or from the comfort of your own home. Unfortunately, we can’t guarantee that your application will be approved on the same day or that you will get your cash the same day you apply. This ultimately depends if you apply during our regular business hours and the information supplied in your application. We can guarantee, however, a speedy and seamless process that you can breeze through. 

Same day loans

Can I get a loan on the same day I apply?

Yes absolutely, it is possible to get same day loans with Nifty! The convenience of same day loans allows everyday Aussies quick access to the funds they need to pay for important things. The online application procedure has made it super easy to apply for same day loans and faster to receive the cash. 

What are same day loans?

Same day loans are fast personal loans. The name stems from the fact that the loan request is approved on the day of the application itself. Typically they are for people who are looking to settle an unexpected bill that day so they can get on with their life without any added hassle or stress.  

There has been a surge in the demand for small and medium same day loans of late. This is most likely because of the growth of internet banking and lenders like Nifty who can provide an easy, online application. Rather than waiting days, weeks or even months, for a loan, applicants can access hassle-free finance quickly. In fact, the fast application and even faster approval times by online lenders allows people access to funds in a matter of hours. For example, Nifty can give you an outcome in as little as 60 minutes* and once approved can transfer the cash to your bank account in as little as 60 seconds**.

Quick and same day loans by Nifty provide multiple benefits:

  • Fast processing and quick cash in the bank account
  • No-hassle, stress-free application form
  • Payback options and terms similar to other small personal loans
  • Entirely online application all the way through
  • Same day loans for bad credit and on Centrelink payments 

Nifty Loans: Who are we?

Nifty isn’t just another loan company. We’re here to build a relationship with our customers because we care about them and their finances. We are here to help them overcome small and large hurdles so they can carry on living as stress-free as possible. 

We are a 100% online lender, meaning you can apply anytime whether you’re at home or on the go. Despite being 100% online, we do still have a team of friendly customer service staff who are ready to help you through every step. We offer both secured and unsecured personal loans from $300 to $5,000 with repayment terms 9 to 24 months. 

Are same day loans safe?

Compared to traditional lenders and bank loans, same day loans with Nifty are not massively different in terms of the information required and steps in the assessment. Where Nifty stands out is how our systems automate most of these steps to provide super fast outcomes. 

While traditional banks can take days to approve a personal loan, Nifty can provide its products on the same day you submit your application. This faster speed of loan approval and disbursal often misleads many to think that such loans are unsafe. At Nifty, we use the fastest in safe banking technology to ensure your information is safe and secure. We use this technology to access a read on copy of your bank statements. There’s no reason to worry, however, we don’t have full access to your account or your passwords. Rest easy, knowing you’re in safe hands at nifty. 

 

Does Nifty offer same day loans?

Nifty definitely does offer same day loans. Our service is speedy, efficient and 100% online meaning you could have your cash in your account on the same day you apply! We cannot guarantee same day loans, however. This depends on the time of day you apply and if we need to verify any other information supplied in your application. That’s why we encourage you to ensure the information in your application is accurate.  If you apply during regular AEST business hours then we could give you an outcome in as little as 60 minutes.* If you apply outside of business hours, you can expect to get an outcome first thing the next business day. 

We pride ourselves on excellent customer service, so please don’t hesitate to get in touch if you have any questions or are having any trouble with your application. 

What loans do we offer? 

At Nifty, we offer three types of personal loans. These are small unsecured, medium secured, and large secured personal loans. The table belows details the differences between these loans:

 

Loan TypeLoan AmountLoan Term
Unsecured$300 to $2,0006 to 9 months
Can be Secured$2,001 to $4,6009 to 24 months
Secured$5,0009 to 24 months

Who is eligible?

At Nifty, we won’t make you jump through hoops to access same day finance. As a responsible lender, however, we can’t just lend to anyone and everyone. To be eligible to apply for our loans you need: 

  • to be at least 18 years of age 
  • to be a citizen or permanent resident of Australia. you must have an address 
  • to have a regular income for the past 3 months
  • to have an email and direct phone number

Borrowers are required to submit

  • contact details, including phone number and email
  • evidence of employment or regular income (this is usually from your bank statements)
  • internet banking (to automatically provide your bank statements) 
  • MyGov details ( only if you receive Centrelink payments)

How do I apply?

Applying for Nifty’s same day loans is really easy! Just follow these steps and you’re golden: 

Step 1: Apply online

To begin, scroll up to the top of this page to find our loan calculator. Using the slider, select how much you’d like to borrow and the repayment period. Hit ‘Apply Now’ when you’re happy. 

Step 2: Fill out the Application

You’ll then be taken to our 100% online application. This usually only takes minutes to complete. Once you’re done hit ‘Submit.’

Step 3: We’ll assess you

Once we’ve received your online submission, we’ll get to work while you relax! We’ll take a look at your bank statements and your financial circumstances to see if you’re in a position to afford the repayments on a loan. If you apply during business hours we could give you an outcome in as little as 60 minutes! 

Step 4: Sign your agreement 

If you’ve been approved for a loan, congratulations. We welcome you to the Nifty family! We’ll then send you a digital copy of your loan agreement. We suggest you thoroughly read over this and make yourself aware of any fees or charges for late or missed payments. When you’re happy, electronically sign it. 

Step 5: Get your cash 

Once we’ve received your signed agreement, a member of our team will send you your cash immediately. If your bank enabled NPP enabled transactions then you could get your cash in as little as 60 seconds. Nifty huh?

 

Can I get a loan on Centrelink?

Nifty accepts Centrelink payments as a basis for granting same day loans. The lender counts these payments as a regular source of income and anyone receiving can apply for personal loans regardless of if you have bad credit. However, a borrower must be a Centrelink recipient for at least 90 days. The lender requires your MyGov details to verify how much and since when you are on benefits.

There is an exception to this Centrelink acceptance and Nifty does not consider all benefits as a regular income for loan approval. Temporary payments, such as Youth Allowance and Newstart payments, are not eligible for loan consideration.  

What’s Nifty’s stance on bad credit?

A bad credit score is not always a punishing factor for you while applying for a Nifty same day loan. You can borrow money despite having a poor credit rating. Nifty checks your credit score but it is not the make-or-break factor in the loan approval process. We prefer to look at the big picture of your recent financial health when assessing your application. Your present income, Centrelink payments, liabilities, job, etc. come into the picture along side your credit history. If you have regular income from any source but enough to repay the loan, we will do our best to offer you a same day personal loan. 

What could I use my loan for?

Same day loans are fixed personal loans. Their “personal” nature allows generally unrestricted use of the cash transferred to your account. There is little direction or restriction of any type dictating how to use the loan funds. You can get a loan for medical expenses, school fees, travel costs or purchase white goods.

How do I improve my chances of approval?

  • Check the eligibility criteria thoroughly and apply for a loan only when you are sure of your eligibility.
  • Apply for a loan amount you can easily get. Don’t apply for a loan you cannot afford or unable to repay. Use the online calculator to check how much you have pay every week or month for a particular amount of loan. 
  • Get your credit history fixed before you go for a quick same day loan. A good credit rating is one of the most important boosts to your loan application. 
  • Minimize or eliminate your debt liabilities. If your financial condition does not look good, you have a lesser chance of securing any type of loan.
  • Start making regular savings. When your bank account shows a regular habit of saving money, this will improve your chances of approval. This strengthens your claim for a loan.
  • Smaller and short-term loans are quickly approved compared to a large loan. Restrict your loan amount unless you need more cash.
  • Clear all your utility bills before applying for a loan. Start the process a few months before the loan required so that it is reflected in your credit rating.
  • Reduce the debt-to-income ratio and limit the credit utilization on your card to 40%.

Get your cash today!

If you are looking for quick same day loans, submit your application to Nifty as soon as possible! Fill the info, tick boxes, select repayment schedule and hit the apply button. If you apply during AEST business hours, you could get a response in 60 minutes! Nifty disburses the loan amount within 60 minutes! We know that sometimes people need cash urgently and that’s why we work hard to get your the cash you need as soon as possible. 

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.