Instant Approval Loans | Same Day Outcomes - Nifty Loans

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

Apply now for:

Fast Personal Loan

up to $5,000

or

Car Loan

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.

Paid back over 9Months

Estimated repayments:

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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 – Nifty loans

On the hunt for a lender that provides quick cash?

Sometimes life doesn’t go as planned and unforeseen circumstances and unexpected expenses can leave you stuck in a difficult place. Other times, you’re just looking for some extra cash to help you out with bills or even a holiday. If any of this is sounding familiar, we’re pretty sure you’ve been searching the internet for instant approval loans. Fortunately, Nifty Loans could be the saving grace you’ve been waiting for. While we don’t offer instant approval loans, that doesn’t mean we can’t offer quick outcomes! Read on to find out more about how to apply for the same day loan with Nifty. 

instant approval loans

FAQs

What are instant approval loans?

In a nutshell, instant approval loans are loans that are approved instantly. While Nifty does not offer instant approval loans, our same day cash loans application process is so quick and easy, they almost seem like instant approval cash loans. You don’t even need to leave the comfort of your lounge or office because we are 100% online.

What are same day cash loans?

Same day cash loans are loans that are applied for, processed and approved all within the same day. 

Nifty has a pocket rocket team that can have your application soaring in no time. We are a 100% online service, no paperwork, no appointments – our team cuts straight to the chase so you get the cash you need without delay.

Can I get a loan with bad credit?

At Nifty, we pride ourselves on not only being fast but being lenders that don’t believe one mistake should control your entire future. So yes, you can! We’ve provided thousands of Aussies with all sorts of bad credit scores with same day cash loans. What makes us stand out is the fact that we focus on your current finances to see how you’re going to repay the loan – not just on your credit score alone.

Do you offer loans with no credit check?

No. At Nifty, we are committed to responsible lending, which is why we conduct credit checks on all assessments. As part of this commitment, we conduct credit checks on same day cash loan applications. 

Our team will obtain a read-only copy of your bank statements to get a better idea of your spending habits, income and existing financial commitments in order to determine whether or not you will be able to repay a personal loan. If we can see you have been receiving a regular income for at least three months, and have been keeping up with any other repayments you may have, you could still be approved for a loan.

Can I apply if I’m on Centrelink?

Yes! We may consider your Centrelink payments as income. If your loan repayments will comfortably fit with your Centrelink income, you could be considered for approval. 

Above all, we believe in inclusion for all Australians. So, we encourage all eligible Australians to apply for our online loans when they need them. Our team will immediately assess your application and do their best to match you with a loan that suits your financial situation.

How quickly can I get a loan?

Instant approval loans are not quite what we do, but it’s pretty close. If you apply within AEST business hours, our team of loan specialists could provide you with an outcome on the same day. Some applicants receive a yes or no answer from the Nifty team within just 60 minutes of completing their application!

Am I guaranteed approval for a loan?

Nifty conducts a fair assessment of each applicant based on their individual situation. As responsible lenders, we can’t guarantee instant approval loans. However, our application process has been streamlined to ensure that we can provide all our customers with fast outcomes. So, we may still be able to meet your needs with a speedy cash loan.

How do I repay my loan?

Repaying your cash loan couldn’t be easier! By setting up a direct debit, our repayments are designed to come out of your account automatically. 

Once approved, we will ask you to select a day to deduct repayments. They can be set up to come out of your account on a weekly, fortnightly, or monthly basis. This decision is entirely up to you.

We typically align your repayments with your pay cycle. Selecting the right payment structure ensures that you always have enough money in your account. So, as long as you have enough cash in your account to cover the payments, they will just come out automatically.

Who is eligible?

We have a list of eligibility criteria that you’ll need to meet before you apply for any of our loans. To be eligible you need to:

  • Be 18 years or older;
  • Be an Australian Citizen or Permanent Resident;
  • Receiving a regular income into a personal bank account for the last 3 months;
  • Have an active Australian mobile number and email address;
  • Have internet banking set up.

What information do I need to provide?

With Nifty, you don’t need to worry about unnecessary documents and paper forms. You just need to fill out a few important personal and financial details, such as:

  • 100 points of ID (name, D.O.B, etc.)
  • Contact information
  • The reason for your loan
  • Internet banking details
  • Your MyGov account details (if you receive Centrelink benefits)
  • Employment details and employer contact information

Having these details handy will help you breeze through your application. Leave the legwork to us, and complete your quick loans application in just a few minutes!

How do I apply for Nifty’s cash loans? 

While we don’t offer instant approval loans, Nifty can still meet your needs with a speedy cash loan. Check out these steps below to find out how to apply:

Step one: Choose your amount

To start your application, scroll up to the top of this page to use our loan calculator. Using the slider, select how much you wish to borrow. You will need to consider how long you would like to take to pay back your loan. Once you’re happy with your loan terms, click the Apply button. 

Step two: Submit your application

You’ll then be taken to our 100% online application form. Fill out the required fields and submit the relevant documents. Once you’re done hit ‘Submit.’ 

Step two: We’ll assess your application

That’s it from you! We’ll take over from here. Once we’ve received your application, our team of loan specialists will get to work assessing it. In other words, just sit back and relax while we assess your application. 

Step three: Review and sign your contract

If the Nifty team has been able to match you with a loan, congratulations! We’ll then send you an electronic copy of your contract for you to review and sign. We recommend reading the terms and conditions thoroughly to make yourself aware of any fees and charges for late or missed payments. When you’re happy, e-sign it!

Step four: Get your cash!

Last but not least, as soon as our team receives your signed contract, we’ll transfer your cash. If your bank is NPP or Osko enabled, you could have the cash in your account in just 60 seconds. Of course, this is provided your contract is signed before the close of business

Ready to apply?

We’re hoping you now have all the information you need to make an informed decision about instant approval loans. If you still have more questions, check out our FAQ page or send us a message, here

Otherwise, go ahead and scroll to the top of this page to get started with your application!

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 - $10,000

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)
Establishment 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)
Establishment 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
Establishment 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.