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up to $5,000

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for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

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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*

Instant Approval Loans Need Cash Today? Apply With Nifty!

Let us tell you about instant approval loans

Have you been searching for instant approval loans need cash today? In the age of paywave and instant transactions like Osko you’d think we’d be able to have instant approval loans too, however, we are just not there yet. At Nifty, we try our best to get you the money you need as quickly as possible!  Nifty can offer speedy personal loans. If you apply during regular AEST hours, you could get an outcome in as little as 60 minutes!

Instant Approval Loan Need Cash Today

Nifty Personal Loans

It seems these days that reliable online lenders who you can trust are few and far between. We understand the frustration when it comes to those “instant approval loans need cash today!” feels. Why not try Nifty? 

We pride ourselves on transparency and honesty. You can be guaranteed that when you apply for a loan with Nifty, what you see is what you get. We won’t promise anything that we can not deliver. So, why not save yourself some time and apply online right now?

Trying To Get An Instant Approval Loan Today?

Been Googling ‘instant approval loans need cash today’ and wondering if it’s possible? Well, let us make it simple. When you need cash today, Nifty could be the lender to provide it. We make the process as simple as possible. Like we said before, we have a quick application form which can be completed in minutes and if you apply during business hours we’ll do our best to give you a speedy response for personal loans up to $5,000. We’ve helped thousands of happy customers get the cash they need. There are no paper forms to complete or extended waiting periods, therefore, we get straight to the point – no messing around. You could even be eligible for a personal loan with bad credit with Nifty!

Why Should You Trust Us?

There are so many online lenders to choose from, so, why should you trust Nifty? With so much choice it is easy to get swept up in the promises that some online lenders might make.

We believe in transparency. Therefore, our team is always here to assist with the loan application and approval process. Put simply, we’ll do our best to match you with a loan product that is going to suit your lifestyle and current financial situation.

With Nifty, we guarantee you will never be offered a loan product that we do not believe you can repay. Our lending team looks deeper into your financial situation to make the best possible match.

What Could I Use An Instant Approval Loan For?

Wondering what you could use an instant approval loan for? At Nifty, we can provide our fast approval cash loans for a variety of different expenses from home improvements to weekend loans. So, if you are unsure whether or not you could be approved, we suggest you scroll up and apply. After all, an application with Nifty doesn’t cost anything.

If you submit an application within regular AEST business hours you could have an answer from a member of our team in as little as 60-minutes. Here are some of the reasons you should apply today!

Searching for Instant Approval Loans Need Cash Today For White Goods?

Are you planning a move? Maybe you want to renovate the kitchen? We understand that white goods can be very pricey. With a white goods loan from Nifty, you could have the cash you need without the stress. We could provide you with $300 to $5,000 to spend on new white goods today.

The best part is our application process is 100% online. That means you can apply wherever you are and whenever you like – even from the comfort of your own home. We don’t do long waiting periods or pages of paper forms. At Nifty, we prefer to cut straight to the chase. We cannot guarantee approval for every applicant, however, we can guarantee you a fair go when it comes to a white goods loan.

Trying to get Instant Approval Loans For A Holiday?

Bet you didn’t know that Nifty could even provide you with the extra cash you need to make your dream vacation a reality. No matter where it is you want to go, Nifty could have you jetting off much sooner than you think.

Our application process is super easy. We skip the long complicated forms and make it simple and easy for you to apply for a holiday loan right now. Therefore, our website is user-friendly and easy to navigate – you could even complete our online application from your smartphone. So, don’t let finance stand in the way of your next adventure. You could scroll up and apply for a personal loan between $300 and $5,000 right now!

Need Instant Approval Loans Need Cash Today For Dental Emergencies?

The dentist is never a cheap experience – but you didn’t need us to tell you that. Have you been searching “Instant approval loans need cash today for dental emergencies”? Most of the time you never have the cash lying around when you need it. So, if the dentist has delivered the bad news, why not scroll up and apply for a loan between $300 and $5,000 with Nifty.

We understand that when you need dental work urgently there is no time to waste. That’s why we make our process as speedy as possible. Therefore our lending team does their best to get back to your application within 60-minutes (if you apply during regular AEST business hours).

Access to funds is subject to inter-bank transfer times. However, with a Nifty loan, we do our very best to get the cash to you on the same day. If you have an NPP enabled bank account, you can even get your funds instantly after acceptance! Worried about a bad credit rating? We do not provide “no credit check loans online instant approval”, as we will always conduct a credit check. However, we look at more than just your credit score. We look at your current relationship with money and ensure that a loan would be affordable for you. So, what are you waiting for?

Am I Eligible For An Almost Instant Approval Loan?

Wondering whether or not you could be eligible for an almost instant loan approval with Nifty? If you can meet the following criteria, you could scroll up and apply for a Nifty personal loan right now!

  • All applicants must be at least 18 years or older;
  • You must have an internet banking account;
  • Applicants must have been receiving a steady income for the last 90-days into a bank account of your own;
  • An active email address and mobile phone number is essential;
  • All applicants must be either an Australian citizen or permanent resident.

What Documents Will I Need To Present?

We don’t ask for much when you apply for a loan with Nifty. Therefore, in terms of documentation, you may only need to present the following:

  • Your basic personal information (name, D.O.B, address etc.);
  • Online banking login details (so we can access read-only copies of your bank statements);
  • You will be asked to provide us with the reason why you are applying for a loan;
  • We will need your MyGov details (if you are receiving Centrelink benefits);

Why Do We Need Your Online Banking Details?

Our team often gets this question. It’s as simple as this – we look at more than just your credit score. Some lenders will make a judgement on a loan application solely based on credit. However, at Nifty, we like to take a fresh approach. We use read-only copies of your bank statements to get a better idea of your current financial situation, spending habits and regular transactions.

There is no need to stress, we don’t actually look at your bank account – only the statements. You can rest easy knowing that Nifty uses the latest in safe banking technology to ensure your information is encrypted. In short, this means no one will ever see your personal information or your passwords.

Why Do Nifty Conduct Employment Checks?

This is another question we get often. Nifty does sometimes conduct employment checks as a part of our commitment to responsible lending. In other words, we do our best to ensure you can pay back the loan.  As a part of our application eligibility criteria, you must have had a steady income into an account of your own for the last 3 months.

At Nifty, our lending team is highly experienced in conducting employment checks. We are always professional and will never disclose any of your private information or the reason why you are seeking a loan to your employer. In short, we respect your right to privacy.

Instant Approval Loans Need Cash Today! What if I’m Unemployed?

If you receive a regular income, our online loans may not be off-limits to you! As long as you can provide evidence of a regular stream of income such as with Centrelink, you may be eligible to apply for fast outcomes from Nifty!

Instant Approval Loans No Credit Check

If you’ve been googling ‘instant approval loans bad credit need cash today’, Nifty could still be the lender to provide you with the cash you’ve been searching for. At Nifty, we are committed to giving all Aussies the fair go they deserve.

Circumstances change and so do people, that’s why we look deeper. While we can’t provide an instant approval loan no credit check, however, we can guarantee that we’ll look at more than just your credit score and do it fast. Why not scroll up and let us see what we can do for you?

What loans does Nifty offer? 

We’re glad you asked. Nifty offers 3 types of personal loans. These are: 

Loan TypeSecured OptionsLoan amountLoan term
Small Bad Credit LoanUnsecured$300 to $2,0009 to 12 months
Medium Cash LoanCan be Secured$2,001 to $4,6009 to 24 months
Large Personal LoanSecured$5,0009 to 24 months

Nifty Small Loans

With Nifty, a small loan is for cash between $300 and $2,000. 9 to 12 months is the repayment period on a small loan. That means we will directly debit the cash from your account over this period – nice and simple! Small loans are unsecured, that means no collateral is required. Therefore, this is very handy if you don’t own a car, motorbike, caravan or boat.

Medium Nifty Loans

Medium loans are for cash between $2,001 and $4,600. With Nifty, you have between 9 and 24 months to make the repayments on a medium loan. As with a small loan, these repayments will be set up as a direct debit from your account on an agreed-upon schedule.

Medium personal loans may, in some situations, require an asset to be attached as security against the loan.

Nifty Large Loans

Looking for a larger amount of cash? The biggest amount that Nifty can provide is $5,000. Large loans with Nifty are repaid over a 9 to 24-month period – repayments are directly debited over the agreed-upon time. Large loans, in some cases, may need a car, motorbike, caravan or boat to be attached as security. There’s no need to worry though, our team will be in touch if this is necessary.

Are you looking for Instant Approval Loans Need Cash Today?

Are you wondering how long it will take to get your instant approval loan? Instant approval loans are not quite what we do, but we are pretty damn close! Here’s how our Nifty loans work;

  1. You can apply now, just at the top of this page.
  2. One of our friendly team members will try their best to have your application assessed in 60 minutes, during our normal business hours.
  3. Once you’re approved, you’ll be sent a contract to sign. We recommend you take the time to look over it carefully.
  4. Once you’ve sent us back the contract we will transfer your funds ASAP. If you have an NPP enabled bank account, you should have your funds in your account within 60 seconds!

Apply Now!

Do you need cash today? Nifty is in your back pocket. Therefore, you could apply for a loan with Nifty on your smartphone right now. Want to know more? Nifty could provide you with an instant loan, renovation loan, funeral loan , small loan , even a micro loan between $300 and $5,000 today!

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.