One Hour Loans | Personal Loans Approved in 60-Minutes*

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.

One Hour Loans

Nifty Loans offers loan approval within just 60-minutes* to eligible borrowers. 

Nifty Loans offers personal loans from $300 to $10,000, 100% online. We are one of Australia’s fastest-growing lenders and often approve applications within just one hour.

Emergency Cash Loans in One Hour

Nifty Loans is an online lender. This allows us to specialise in delivering fast loan outcomes and efficient service. Nifty Loans offers personal loans from $300 to $10,000; we may be able to approve your loan within just 60-minutes*. We support instant transfers on approval, so the cash could be in your account within just 60-seconds of approval**. 

If you are searching for a quick payday loan, Nifty Loans may be able to provide you with a short term loan to cover your unexpected expenses. Whether you require urgent cash for a vet bill or an unexpected travel cost, Nifty Loans provides fast cash loans to Australians in need of short term finance.

What is a one hour loan?

A one hour cash loan is a personal loan delivered within just 60-minutes*. Nifty Loans often delivers loan outcomes within just one-hour to eligible borrowers that apply within our business hours. We offer quick loans from $300 to $10,000 for a variety of expenses. There are three types of personal loans that we offer: small loans, medium loans and large loans.

Loan typeSecurityLoan amountRepayment schedule
Small loanUnsecured$300 to $2,0006 to 9 months
Medium loanSecured$2,100 to $4,6009 to 24 months
Large loanSecured$5,000 to $10,0009 to 24 months

What can I use one hour quick cash loans for?

If you are unsure whether your unexpected expense can be covered by a one-hour loan, here are some of the most common reasons we receive loan applications:

How to apply for emergency cash loans in one hour Australia

Applying for a one hour payday loan with Nifty Loans is simple and easy with our online application form. Within just a few minutes, you could submit your application for an online loan; you could hear back from us within 60-minutes*. We also deliver instant transfers on approval, so the money could be in your account in just 60-seconds**. When you need cash in one hour payday loans, Nifty Loans may be the lender for you. Follow these simple steps to apply:

Step 1: Complete and submit the online application form including supplying all supporting documents

Step 2: Our team will assess your application

Step 3: We will let you know whether your application was successful

Step 4: If approved, review and sign your electronic contract

Step 5: Receive your cash into your bank account

Eligibility

We have standard eligibility criteria all of our applicants must meet. To ensure that your loan application can be processed, please ensure that you meet the following criteria before you apply:

  • You are at least 18 years old
  • You are an Australian citizen or Australian permanent resident
  • You have had consistent income into your personal bank account for at least 90 days
  • You have an active mobile phone number and email address
  • You have internet banking set up

Supporting documents

We do not require copies of your physical paperwork, but we must still receive digital copies of your supporting documents along with your application. To ensure we can deliver the fastest possible loan outcome, please ensure you supply your supporting documents when you submit your application:

  • 100 points of I.D.
  • Your basic personal information (name, date of birth, address etc.)
  • Your online banking details
  • Your myGov login details (if you receive Centrelink benefits)
  • The reason for your loan

One hour payday loan with bad credit

If you have been searching for ‘one hour payday loans no credit check’, it is likely that you have a poor credit history. While we cannot offer payday loans no credit check, we can offer loans for bad credit. Nifty Loans is an online lender, which allows us to be more lenient in our credit requirements than traditional lenders like banks. A traditional loan, like a bank loan, is often not an option for a person with bad credit. However, Nifty Loans offers bad credit loans to eligible borrowers that meet our lending criteria. 

We conduct a thorough financial analysis of all of our loan applicants to ensure that they can afford their loan repayments. If we find that an applicant can afford their loan, even with bad credit, we may be able to provide them with a small loan. We must still conduct credit checks on all of our applicants in line with responsible lending guidelines set by ASIC; however, a bad credit score will not stop you from accessing short term loans from Nifty Loans.

FAQs

How much can I borrow?

You can apply to borrow any amount from $300 to $10,000. Our assessment team will determine your affordability and your repayment terms will vary depending on how much you borrow.

Why do you need my online banking details?

We use a bank statement service to access read-only copies of your bank statements as a part of our financial assessment. We will analyse your income and expenses to ensure that a loan is currently affordable for you.

Can I get one hour payday loans online if I receive Centrelink benefits?

We consider most forms of Centrelink income as regular income. If you have been receiving your government benefits for at least 90 days and meet our other eligibility criteria, we may be able to provide you with a one-hour loan.

How do I pay back my loan?

We will set up a direct debit in line with your pay cycle. You will repay your loan through automatic direct debits on this selected day. When your loan has been paid off in full, your payments will stop.

*If the loan is applied for within our business hours. Individual circumstances may vary processing times.

**If you have an NPP-enabled bank account

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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 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 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 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.