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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.

Instant Approval Loans or Fast Outcomes? Apply For A Fast Loan Today Instead

Can I get an instant loan?

Sometimes life doesn’t go as planned. Unforeseen circumstances and unexpected expenses leave you stuck between a rock and a hard place. Or, perhaps you’re looking for a little extra cash so you can treat yourself. If any of this is sounding familiar, we’re pretty sure you’ve been searching the internet for instant approval loans, or perhaps even instant approval loans need cash today. Are we right? You could even get a small loan fast! Keep reading!

Well, we may not provide instant approval loans, but we can offer very quick outcomes! You could even get a fast cash loan online today!

Are you looking for Online Loans Instant Approval Australia?

Well, we might be able to help! While we don’t offer instant approval loans, here at Nifty, we’ve made our application process so quick and easy, they almost seem like instant approval cash loans Australia. You don’t even need to leave the comfort of your lounge or office because we are 100% online. Got bad credit? It doesn’t have to stand in your way anymore… apply for a poor credit loan today!

What is an instant approval loan?

Instant approval loans are, unsurprisingly, loans that are approved instantly. While there are few providers of instant approval loans Australia, these types of loans are few and far between. However, Nifty Loans certainly provides super-fast outcomes and we do our best to grant approval to those seeking quick finance. Wanna know more about quick loans online? Click here!

Nifty Loans fast outcomes

Instant approval loan is not quite what we do, but it’s pretty close. We offer small fast outcomes between $300 and $5,000, and we’re pretty damn quick about it. Here’s how our small loans work: You apply, just at the top of this page. One of our specialist team members will aim to have your application assessed within 60 minutes, during normal business hours. Once approved, you’ll get a contract to sign. Dotted those T’s? Great! They are fixed-rate loans 100% online.

I’m looking for something like online loans instant approval Australia and need cash today, where should I go?

Well, we’re glad you asked. We’ve got the experience to know what you want instant approval loans for, and what you really need. Quick turnaround times from a local lender ready to give Aussie a fair go. So while we don’t offer instant approval loans, we may still meet your needs with a speedy cash loan. Feel ready? Head over to the Nifty Loans repayment calculator to find out what your loan could cost, then apply. So even if it’s online loans instant approval that you’re after, we’ve got you covered with super fast loan outcomes! The best part about Nifty Loans is that the applications are 100% online, meaning you don’t even have to leave your living room to apply. Wherever you are, wherever your phone is, you can go ahead and apply for a loan with Nifty.

What are the reasons people borrow instant approval loans?

There are several reasons why people may be looking for instant approval loans and fast approval loans. Life is expensive, as you no doubt know, and sometimes we need a bit of extra cash to get our ducks in a row, or on a plane, or for a holiday (who doesn’t need a holiday?) Sound familiar? A fast approval loan sounds like what you need. Here is a list of some of the common reasons our clients apply for loans, and why you need to stop searching for online loans instant approval Australia, and stick with a fast Nifty Loan:

Car registrationDental or medical bills
Car repairsHome renovations
Wedding expensesWhite goods or furniture for the home

Are you wanting to know the next step?

If it’s a personal loan you’re after, look no further. Fill out our simple loan application and we’ll provide you with an outcome on your application. Yep – forget all about online loans instant approval. It’s Nifty Loans that you need. Once you’ve submitted your application, our loan specialists will review your application which usually only takes 60 minutes (during normal business hours).

During the application process, we’ll ask you a few questions about your personal details, your employment details and some questions about your finances! Easy peasy!

If your application is approved and you’ve signed your 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!

How do fast outcome loans work?

Here’s how it all works:

  1. Apply online by completing our easy online application form!
  2. Send through supporting documents if needed
  3. Sit back and relax while we process your loan application
  4. If you’re approved your loan we’ll send you an offer for a loan contract! All you have to do is accept the contract.
  5. Finally, receive your funds!

How much can I borrow with fast approval loans?

With our fast approval loans, you can apply for either a small unsecured personal loan or a medium secured personal loan. You can borrow between $300 to $2,000 with our smaller loan that you can repay over a period of 6 to 9 months. A larger loan is between $2,001 to $5,000 which you can repay over 9 to 24 months. This larger loan will often require an asset, generally a vehicle, to be tied to the loan as security.

How much do Nifty fast approval loans cost?

The costs of our Nifty fast approval loans are explained in the cost table on our costs page. The costs of our loans are factored into the total repayment amount. To give you an idea of how much your repayments will be, you can use the loan repayment calculator at the top of the page. Drag the slider to adjust the amount you want to borrow, as well as the repayment period over which you would like to repay your loan.

How does repayment work?

Here’s how repayments work. We help you to set up a direct debit so that your repayments come out of your account automatically. You can nominate which day you would prefer your repayments to be deducted. We suggest arranging for your repayments to come out of your account to match your pay cycle. In other words, if you get paid fortnightly, arrange for your payments to come out on a fortnightly basis.

Do I meet the eligibility requirements to get fast approval loans?

Good question! We do have eligibility criteria that you’ll have to meet before you can apply. If you want to apply for Nifty fast approval loans, see if you can check off everything on this list.

  • You need to be at least 18 years of age
  • Must be an Australian citizen or permanent resident
  • Need to be receiving a regular income (at least for 90 days prior to applying)
  • Have online banking setup

What documents do I need to apply?

In order for us to give you fast approval loans, we will need you to provide us with a few pieces of supporting documentation. However, the great news is these can all be uploaded electronically. Here is a list of the things you may need to submit:

  • You’ll also need to log into your internet banking so that we can verify your income and expenditure.
  • Finally, make sure you can give us your personal mobile number and email address in case we need to contact throughout the duration of your loan term.

Do you do no credit check loans for conditional online instant approval?

The short answer is yes. Here at Nifty, we believe that your credit history should be history! Some lenders don’t perform credit checks or formal enquiry’s at all when you apply for a mini loan, although we believe they are still useful. Although we do perform credit checks, we believe that everyone deserves a fair go and we understand that sometimes in life unexpected circumstances happen. That’s why we look at more than just your credit history when assessing your loan application.

What if I have bad credit? Can I get a personal loan bad credit instant approval?

There are very few businesses in Australia that will offer a personal loan with bad credit instant approval.

Here at Nifty we pride ourselves on not only being fast, but also being responsible lenders that don’t believe one mistake should decide your borrowing future. We assess all applications individually. So your credit report is not the only thing we look when assessing applicants for fast approval loans. That’s why we ask for your internet banking details so that we can look at your current financial situation and judge based on your present situation rather than your past.

If I am receiving Centrelink payments can I get a nifty conditional approval loan?

The answer is yes! Here at Nifty personal loans, we don’t discriminate against Centrelink recipients. That’s because we understand that just because you receive Centrelink, it doesn’t mean that you can’t responsibly manage financial commitments. As long as you are receiving regular payments into a personal bank account you can apply.

What if I’m unemployed? Can I get fast approval loans?

If you receive regular income, online loans fast outcomes unemployed people 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!

Benefits of borrowing from Nifty

You may be wondering what the benefits are of borrowing personal loans from Nifty. There are plenty of benefits you experience when you borrow fast approval loans from Nifty. We’ve decided to list them out here for you:

1. You’ll get a same-day response with Nifty

Here at Nifty, we offer smart fast outcome loans with no fuss. If you have any problems our friendly customer service staff are here for you to talk to. In most cases, if you apply within business hours, you’ll receive an outcome within the hour. If you apply outside of business hours we’ll get you a response as soon as we are back in the office.

2. An amazing customer service team

Rest assured Nifty has an amazing team of loan experts ready to look after you if you have questions throughout your loan term.

3. We don’t charge any early exit fees

If you want to pay your loan off early, you can! Plus, we won’t charge any early exit fees. That means that if you are ready to pay your loan off earlier than the end of your loan term you can feel free to go ahead and do so.

4. You can use your loan for almost any purpose you like!

One of the great benefits of online loans Australia is that you can use them for almost any purpose you like. Whether it’s for car rego, a car repair, rental bond or you are buying a new fridge, it’s up to you what you use your loan to pay for!

Things to do before you apply for fast approval loans

Before you apply for a personal loan there are a few things you need to do before you make the decision to borrow. Here is a list of some the things you may want to ask yourself before you make the decision to borrow:

Can I afford the repayments?

The most important thing to work out before you decide to borrow is if you can afford to make repayments, particularly if there is an instant approval loans need cash today kind of urgency. Work out if you can fit your repayments into your budget, without dishonours which may draw your loan out longer and add extra dishonour fees.

When looking at your loan application, we will do a financial assessment before we make the decision to extend you a loan offer. We may be able to suggest different repayment terms to help make your repayments more manageable. You can use our loan calculator to see if you can afford your loan. Another good tool to use to help you work out whether you can fit your repayments into your budget is MoneySmart’s budget planner.

Light bulb

Here's a Nifty question!

Always ask yourself: is this loan right for me?

What is your purpose for the loan?

It’s always a good idea to ask yourself about your reason for getting a fast approval loan before you make the decision to borrow. Is the reason you need a loan urgently? Or can it wait until a more convenient time?

Am I happy with the terms and agreements of the loan contract?

Once we have approved your application, we will extend you an offer for a loan. So, it’s important to ensure that you have read the terms and conditions of the loan contract before you decide to borrow and accept the contract.

The 4 most common reasons for loan rejection

If you’ve been knocked back for a loan in the past when you need money fast, you may be wondering what went wrong. Well, Nifty has compiled a quick list of the 4 most common reasons for an application to be declined, have a look!

  1. Serviceability: An applicant’s commitment level refers to the amount of uncommitted income they have after accounting for both living expenses and financial commitments. If the client’s uncommitted income cannot cover the loan repayment, the application will be declined on the basis of it not being serviceable. 
  1. Poor repayment history: If an applicant has consistently failed to make repayments to recent financial commitments, which would be shown within their bank statements or credit file, their application will sometimes be unsuccessful.
  1. Income inconsistency: In order for an application to be successful, the lender needs to verify the applicant can repay the loan both now and in the future. If the income of the applicant is inconsistent, it may be difficult to determine whether the loan will remain affordable. If this is the case, the application may be unsuccessful. 
  1. Responsible lending guidelines: In order to operate as a licensed lender within Australia, financiers are required to follow strict responsible lending guidelines. Two of these guidelines have already been touched on within this list, though, there is one we should focus on. This involves ensuring the loan meets the requirements and objectives of the consumer. As an example, if an applicant applies for a $5,000 loan to purchase a new car and the lender is only able to approve them for $300, the application may be declined on the basis of it being unsuitable. Where-in the applicant cannot be expected to fulfill the requirement of the loan with an amount significantly less than what they originally requested.

In summary

Whether you came here looking for instant approval loans need cash today or online loans instant approval Australia, consider fast loan from Nifty! Apply online today!

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Andy Andy


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 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
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Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
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Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.