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 type	Security	Loan amount	Repayment schedule
Small loan	Unsecured	$300 to $2,000	6 to 9 months
Medium loan	Secured	$2,100 to $4,600	9 to 24 months
Large loan	Secured	$5,000 to $10,000	9 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:

• Unexpected bills
• Travel costs
• Medical bills
• Cosmetic surgery
• Dental expenses
• Car repairs
• Car registration 
• Relocation expenses
• White goods

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

*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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