Last Minute Loans | Fast Cash Loans From $300 to $10,000

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

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Fast Personal Loan

up to $5,000


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

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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.

Are You After Last Minute Loans? Nifty Has All The Details You Need To Know

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 she 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 ‘60 minute 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 $300 to $10,000. 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 within the hour**, 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 within 60 minutes* 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!

Which last minute loans are the best?

If you’re googling last minute loans, chances are you’ll be bombarded with different loan companies and interest rates. That’s why we’re committed to being completely transparent with you about all the necessary details about our personal loans.

If you have any questions, please don’t hesitate to contact our customer service team. We’re always on hand to help.

No Paperwork Loans

Nifty provides online personal loans that don’t require any physical paperwork. We do assess your bank statements as part of our responsible lending policy set out by the Australian Securities and Investments Commission (ASIC). However, to make the process easier, we take a digital snapshot of your account history without the need for printing or scanning documents.

Fast Online Application

Don’t bother with lengthy appointments. Nifty’s online application can be completed within minutes from the comfort of your own home.

Money in 60 Seconds*

Once your application is approved, the money can be transferred directly to your account in 60 seconds*. So if you need cash last minute, Nifty is the lender that can get the job done.

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 in as little as 60 minutes. 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?

Nifty Loans can help solve your cash headaches

Car troubles getting you down? Or maybe you can’t miss out on that insane online deal. Whatever it may be, Nifty last minute loans could be the answer to your cash woes and get you back on your feet in no time!

The short answer is yes! Nifty is happy to consider your application if you’re on Centrelink, as long as you are receiving a regular income into a personal bank account.

At Nifty, we believe that being on Centrelink benefits shouldn’t necessarily exclude you from last minute loans. We will still perform our standard assessment procedure to ensure that you can comfortably afford the repayments. We use secure banking technology to access a read-only copy of your Centrelink and bank statements.

Hit the apply now button above, and we’ll do our best to offer you a personal loan.

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:

  • Small amount unsecured loans of $300 – $2,000
  • Medium amount secured loans of $2,100 – $4,600
  • Large amount secured loans of $5,000 – $10,000

Ready to apply?

We’re fast, we’re fair and we’re here to get you the funding you need when emergencies arise last minute. Here’s how you could apply today:

Apply online: If you’re ready to get going with an application just scroll up to the top of this page. You can use the sliders on our personal loan calculator to select an amount and repayment period.

Fill out the form: Our online application form could only take you a couple of minutes to complete. The Nifty team will just need you to provide a few important details so we can conduct a thorough assessment.

We assess your application: Just sit back and relax while our team assess your loan application. If you have applied during AEST business hours we will do our best to get back to you with an outcome in 60 minutes.

Sign your contract: If our team has been able to locate you a compatible loan product we’ll send over a loan contract for you to review and sign. We encourage all of our applicants to read through their contract carefully and make sure they are aware of the terms and conditions. If you are unsure, we encourage you to get in touch with the team. When you’re happy with our agreement just sign and send it back.

Get your cash: Once we receive a signed copy of your contract agreement the money will be transferred straight to your account. Nifty is now offering instant transfer* on personal loans. That means you could have the cash in your account in just 60 seconds.

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 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 ApplyMust 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 AvailableFixed personal loans
LenderNifty 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!

Apply Now

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 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:
View Loan Details

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:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 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.