Last Minute Loans | Fast Cash Loans From $2,100 to $15,000
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

What are last-minute loans?

Life happens and sometimes expenses land at your feet when you least expect it. When a pipe bursts in your kitchen or your best bud ate something he shouldn’t have, you may need a last-minute loan. With Nifty, it’s possible. Our fast cash loans in minutes can get you the funding for unexpected bills.

Curious about last-minute loans? Cash loans in minutes online usually have a repayment period of several months, and a repayment cycle agreed upon between the lender and borrower. Also, cash loan lenders often have much faster processing times than a bank.

If you’re googling ‘same-day loans’ then you’re probably looking for finance and quick for an unexpected expense. You don’t want a drawn-out application, with boatloads of paperwork. You want an application you submit online in minutes, with no paperwork required. You want Nifty Loans. We provide 100% online quick loans from $2,100 to $15,000. The repayment period will depend on the amount you choose to borrow.

Here at Nifty Loans, we offer very competitive loans that are 100% online, no fuss and no smoke and mirrors.

About us: Nifty Loans

If you need fast loans paid today, then you’ve come to the right place. You can submit an application online in minutes, we can deliver a smart decision on the same day*, and if approved, we could have your money in 60 seconds**! That’s Nifty. We do loans seriously fast. So when emergencies hit and hit hard, you can bank on Nifty Loans to give you a fair go.

How can I get a fast and easy loan?

Apply with Nifty Loans! We’re committed to giving every Aussie a fair go on the loan they need. Utilising secure banking technology, we can assess suitability on the same day* of receiving your application. Skip the hassle, and choose Nifty.

Are you eligible for last-minute loans?

As part of our responsible lending policy, we can’t just lend to anyone. There are a few minimum requirements you have to meet before you can apply to borrow money:

To apply, you need to be:

  1. Over 18 years of age;
  2. An Australian citizen or permanent resident;
  3. Have a regular source of income for at least 3 months before applying;
  4. Have an active mobile number and email address.
How can I get a last-minute loan right now?

Applying for one of our last-minute loans is super simple:

  • Make sure you meet our eligibility criteria;
  • Select how much you wish to borrow and for how long, then click the ‘Apply Now’ button at the top of the page and fill out the easy loan application;
  • Supply supporting documentation – we utilise secure banking technology to obtain read-only copies of your bank statements in seconds;
  • If approved, we will transfer the money into your bank account in 60 seconds**, depending on your bank.

Now that’s a Nifty loan!

Frequently asked questions

Do you offer instant approval loans?

We cannot approve an application without conducting a thorough assessment of your financial situation. However, we can provide fast approval times. If you apply within business hours, we can process your application on the same day*. If approved and the contract is signed (within business hours), you could receive your money in 60 seconds**.

Can I still apply with for a last-minute loan with bad credit?

Yes! You can apply for bad credit loans with Nifty. Here at Nifty Loans, we believe your credit history is history. We’re willing to give you a second chance even if you’ve got bad credit. We understand that sometimes life is unpredictable and unfortunate things can happen that you can’t control. Having bad credit doesn’t disqualify you from applying for quick cash loans online.

As a responsible lender, we conduct credit checks to verify that your current financial situation can support a short term loan and interest repayments. We will take into consideration your current financial situation and relationship with money, in addition to your credit rating. From there, we decide on a case-by-case basis if you are eligible; even if you have less-than-perfect credit. We can guarantee you a fair go on your next application.

How do I repay fast cash loans?

The excellent news is repaying your last-minute loan is as simple as applying for it! Nifty understand the importance of transparency, so we’ve made the repayment process simple and easy to use, saving you the stress and headache.

Your payments are deducted via direct debit – it couldn’t be more straightforward! And once you’ve finished paying off your loan, your payment will stop automatically, no need to call up or go online. Nifty, huh?

Where can I get last minute loan in Australia?

Right here at Nifty! The great thing about our personal loans is that you can apply from the comfort of your own home and expect fast outcomes. No matter where you are in Australia, Nifty Loans provides cash loans in minutes online. All you need to do is click the ‘Apply Now’ button, and you’re on track to getting the funding you need. Once you apply, we will get back to you in no time, giving you a fast outcome.

What’s the fine-print on your fast cash loans?

Here at Nifty, we understand the importance of being transparent and giving everyone a fair go. That includes making all the fine-print crystal clear. We pride ourselves on providing a quality of customer service. We want you to be completely comfortable and happy that you have the whole story when it comes to your online cash loans. Here’s a quick list of the loans we offer:

  • Medium unsecured or secured loans of $2,100 – $4,600
  • Large secured loans of $5,000 – $15,000

Has something come up at the last minute?

Has something come up unexpectedly in your life but you don’t have the money to pay for it upfront? We’ve all been there! Here are a few things to think about.

  • Going to the dentist can be painful, not only physically but to your pocket as well. Luckily more and more dental surgeries are offering bulk billing or payment plans and if you have health cover your appointment may be covered in part or in full. Before booking that appointment, make sure you have a look around for the best place and what assistance they can offer you.
  • Maybe you need to travel interstate or overseas for a family matter. If you can’t afford to fly, a drive between Sydney, Brisbane or Melbourne South Australia can be done from 10 – 24 hours. If you have a few other people that will need to go, driving can actually be a cheaper option. Perhaps if the thought of driving is daunting, long-distance travel trains and buses operate daily depending on where you’re going. The bonus of doing this is that you get to enjoy the scenery and some even offer food and beverages.  If time is of the essence and flying is the only option especially if you are going overseas, some airlines and travel agencies offer buy-now pay-later options, this way you can travel to your destination without the stress.
  • Are you needing to take a work trip? Or perhaps having to relocate for work? Some employers reimburse their employees for work-related travel or provide a fuel card or company car, check with your employer if this is an option. If you have received a promotion and your employer has requested you move, there may be negotiations that your employer cover part or full costs of the relocation such as removalists and rent.

How do I know if Nifty could be right for me?

Who Is This Product For? Those who are looking for a fast processing short-term loan
To Be Eligible To Apply Must be an Australian citizen or a permanent resident. Have a regular source of income. Over 18 years of age. Have access to an active mobile phone and email address.
What Repayment Terms Do You Offer? Up to 24 months. Repayment terms will vary depending on each applicant’s financial situation.
Loan Types Available Fixed personal loans
Lender Nifty Loans

Our customer service team is here to help

Here at Nifty, we pride ourselves on our amazing team who are here to help you along the way. Whether you’re having trouble with your online application, or you need to speak with someone throughout the duration of your loan contract, our customer service operators are standing by to solve your problems and give you peace of mind.

What are you waiting for?

So, what are you waiting for? If you’re in need of a last minute loan Nifty could be the lender for the job. Our team works hard to provide the best possible service for all applicants. We are proud to be partnering Aussies with the reliable last minute loans they deserve.

We take pride in our work but if for some reason, you are not happy with your application experience with Nifty loans then you can withdraw your request at no cost whatsoever!
You could start your partnership with Nifty loans right now. Who knows, you could be on the path to a last minute loan in minutes. We make it simple so you can focus on what you do best. We are a 100% online, fast approval, no fuss, finance company. So, don’t wait to apply today!

*Only available for NPP enabled bank accounts
**subject to when you apply

Wondering how to get a loan? Keep reading!

Ready to Apply?