Instant Banking | Loans up to $10,000 with Instant Transfers

Nifty is now proud to introduce instant banking! The Nifty team is rolling out immediate inter-bank transfers that make online lending even easier. Instant banking means you get the cash you need when you need it when you have an NPP-enabled bank account. No waiting for the next round of banking. Just quick cash for Aussies with compatible bank accounts. Borrowing made easy.

The Nifty Logo that says "Cash in 60 Seconds*. With Nifty, it's possible. *Most people have their money in their bank account once they are approved and have accepted their contract within 60 seconds"

What is instant banking?

Are you wondering what instant banking could mean for you? Basically, instant banking means Nifty is able to transfer cash to compatible bank accounts as soon as loans are approved and signed. Instant online banking allows customers to get their cash in 60 seconds**, so you can get on with your business, instantly! At Nifty, we’re committed to helping our customers access fair and affordable loans when they need it and, we’ve just made it even easier to access speedy cash.

Instant banking Australia is fast, secure and safe as well as being very convenient for the Nifty team and our customers. So, if you’ve been busy googling ‘banking instant transfers’, ‘instant banking limit’ or ‘internet banking Australia instant’ you can stop the search. Apply for cash in a flash with Nifty.

How Long Does An Instant Bank Transfer Take

So, now you know what an instant bank transfer actually is, let’s talk about how long it takes. When we say instant we mean within 60 seconds, even outside of business hours and on weekends! If your loan is approved and signed for, the Nifty team will use instant banking financial services to transfer the money to your account in 60 seconds. It is essential that your bank account is compatible. Most banks in Australia have now jumped on board with instant bank transfers. You can check to see if your bank is compatible. You will also need to ensure your bank account type is also compatible. So, if you’ve been wondering how to transfer money instantly between banks, Nifty has the answer!

Will instant banking cost me extra?

Nope! Using Nifty’s instant banking services won’t cost you any extra. At Nifty, we don’t charge our customers any extra for utilising our instant banking services. Some other lenders will charge additional fees if you would like to use instant banking financial services, so we are very proud to offer this service at no extra cost.

Is Instant Banking Safe?

Have you been wondering ‘is instant banking safe?’ Well, let us put that question to rest – it is! Instant banking is just as safe as a regular bank to bank transfer. The same level of security as your existing payments applies to instant bank transfers. That means you can rest easy knowing that your cash is safe when you use Australian instant bank transfers.

At Nifty, your privacy and security are our top priority. The Nifty team is professional and experienced when it comes to bank-to-bank transfers – so, there is no need to be concerned about safety. So, if you’ve been wondering… ‘are bank to bank transfer instant?’ With Nifty and a compatible bank account, they now are!

Nifty loves convenience

We think the best part about instant banking is convenience. And more time for you to spend on what you do best. At Nifty, we love making it simple and stress-free for our customers to access fair and reasonable personal loans. Instant bank transfers Australia now allows us to take the word convenience to a whole new level. Not only can you apply for a Nifty personal loan from the comfort of your own home, but, you can now get your cash in 60 seconds** with a compatible bank account. If your loan is successfully approved, we’ll let you know and the cash could be in your account in a matter of seconds.

So, if you’ve been googling ‘instant bank transfer Australia’, ‘Australia instant bank transfers’ ‘internet banking Australia instant’ or ‘banking instant transfers’, you can stop the search. Nifty has your back!

Is There An Instant Banking Limit?

No, there is no instant banking limit for cash coming into a compatible account. The only time that banking limits come into play is when funds are transferred out of your account. There is no need to stress. You won’t have to change your daily limit to receive your funds from Nifty.


Fast. Simple. Secure.

Nifty is proud to be offering instant banking services that are fast, simple and secure.

Fast: Payments can be made in real-time at any time of the day. That means 24/7 payments. There is no longer any need to wait for the next round of banking. If your account is compatible, you could receive the funds in just 60 seconds.

Simple: There is no need to remember BSB’s or account numbers! Instant online banking can even be done using your mobile phone number.

Secure: Instant bank transfers in Australia are subject to Bank Australia’s current real-time fraud screening and detection capabilities. That means it’s safe and secure!

Looking for instant loans no credit check?

Wondering if bad credit will stand in the way of an instant loan? With Nifty, it doesn’t have to! Our team takes a fresh approach to bad credit. It is important to mention that Nifty does conduct credit checks, however, this will not be the only thing our team checks. At Nifty, we look deeper. Our team will take a look at your bank account and employment status as an indicator of whether or not you will be able to repay a personal loan.

We are proud to promote responsible lending. That means we will never lend cash to anyone that does not have the means to repay it. We want to promote financial health and wellbeing and put our customers on the road to financial health and wellbeing.

Who is eligible?

Wondering who is eligible to apply for a personal loan with instant bank transfer? At Nifty, we like to keep our application criteria pretty straight to the point. So, here’s what you’ll need to say ‘yes’ to before you apply:

  • Over the age of 18;
  • You have received some type of regular income for the last 90-days into a bank account that is your own;
  • You have an active mobile phone number and email address that we can contact you on;
  • Applicants must have internet banking set up.

In terms of the documents you’ll need to provide us with, don’t sweat it, our application is paperwork-free! Nifty Loans is 100% online for your convenience, so just submit a quick application and we’ll deliver an outcome in no time. At Nifty, we won’t ask you to provide any unnecessary info. Here’s what you should have handy:

  • Personal details like your online banking & employment info
  • An active email address and mobile number
  • The reason you are applying for the loan
  • Your MyGov details (if you are receiving Centrelink payments)
  • Employer and contact details

If you’ve got questions, we’d love to hear from you. We want to make the application process as simple as possible. So, get in touch with our team and we will get back to you as soon as possible!

Your privacy is our priority!

At Nifty, we know how important your privacy is – that’s why we make it our top priority! Our team is dedicated to keeping your personal and private information completely confidential.


Why do we need online banking details?

If you’re wondering why our team need your online banking details, allow us to explain. Nifty uses your online banking details to access read-only copies of your bank statements. We use your statements to take a look at regular spending habits, deposits and income.

Due to the fact that our team looks at more than credit, bank statements give us a better idea of your individual financial circumstances. There is no need to worry about security. Nifty uses the latest in safe banking technology to ensure your personal information and passwords are encrypted.


What about Centrelink?

At Nifty, we still encourage you to submit an application if you are receiving Centrelink or government benefits. Unfortunately, this can be a bit of a grey area. Sometimes Centrelink payments can be seen as a form of income and other times they can not. It is completely subjective to the person and financial situation. If you’re unsure as to whether or not you could be approved for a personal loan with instant bank transfer then we recommend you go ahead and apply. The application itself won’t cost you anything and our team could have an outcome for you in just 60 minutes*.


No hidden fees or charges

That’s right, Nifty doesn’t do hidden fees or charges! We believe in 100% transparency. That means we will always be upfront and honest when it comes to charges that could incur for late or failed payment. We encourage all applicant to read over their loan contract and get in touch with any questions or concerns. Our team is always here to help! When you apply for a personal loan with Nifty, not only could you get an instant bank transfer in just 60 seconds**, but you can rest assured that what you see if what you get. We don’t hide behind false promises. If we can’t deliver, we won’t promise!


Our customers

Nifty doesn’t exist without its customers. That’s why our team strives to provide the best possible customer service at all times. We are friendly and down to earth. The Nifty team knows what you’re going through. We understand that when you need fast cash, there is no time to waste. We’ll be honest from the start. If we don’t have a loan product to suit your financial circumstances, we’ll let you know. The Nifty team will never sell you a loan product that isn’t right for your individual circumstances. If we don’t think you’ll have the ability to repay the loan we won’t approve it. At Nifty, we are committed to encouraging financial health and wellbeing. We want to see you on the road to financial freedom!

We help Aussies!

At Nifty, we’re proud to be your local lender! Have a look at the loans we’ve already approved…

Instant Banking Searchs Amount Approved
Instant Loans Transfer AUD ($)500
Instant Online Banking AUD ($)1,000
Instant Bank Transfer Australia AUD ($)1,500

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Click here for a loans comparison rate with Nifty… see what we could do for you!

Not sure about how much money you can borrow? Read more!

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