One Hour Loans | $300 - $10,000 | Quick Outcomes | Apply Online!

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

Apply now for:

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

Estimated repayments:

Your data is secure

Comodo Logo

Trusted by

Trusted Site Logo

Our customer rating

Google Reviews

ⓘ Loan Disclaimer

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.

Do You Need A One Hour Loan? – Apply with Nifty!

One Hour Loans

We’ve all experienced a time when we needed a little extra cash fast. There are plenty of scenarios that pop-up at the worst time. So, when you need cash fast, consider applying with Nifty for a one hour loan. If received within business hours, your application could be approved within 60 minutes, and cash in your account within 60 seconds of accepting your contract! So, when you need fast approval on a loan turn to Nifty!

Nifty One Hour Loans

Back in the old days, you would go straight to a bank and ask for an appointment to discuss your situation and apply for the loan. You were at the mercy of bank staff. Bad luck if you needed the money for an urgent medical emergency or car repairs. Getting the loan from the bank wasn’t easy then, but the situation still hasn’t changed much. Banks can still make you wait for a few days before you can get an outcome on your application. Not only that but you also have to file mountains of paperwork to apply for a loan.

Fortunately, you no longer have to be at the mercy of banks. When you need some cash fast for unexpected expenses that rear their ugly heads at the least opportune moments, you can apply for a 1 hour loan from Nifty. You could even get same-day cash loans. One hour loans are fast, you could get an outcome on them within an hour after applying (during normal business hours). If you’re approved, the funds will be released on the same day. Access to funds is subject to inter-bank transfer times.

Many people don’t understand how one hour loans work. These are simple loans which you may get approved for very quickly. The reason they’re called 1 hour loans is that you may get an outcome on your application within an hour (during normal business hours). However, a one hour loan doesn’t mean that you’ll get the funds in your account in an hour, this is subject to normal inter-bank transfer times.

One Hour Personal Loans

When you experience an urgent crisis and are short on cash, you naturally end up searching for a personal loan. Applying for a personal loan with traditional lenders could take days or even weeks and by the time you get the money in your account, it may be too late. Nobody wants to face unpleasant circumstances like going to work on public transport because they don’t have the cash to repair their car.

In these types of situations, a one hour personal loan from Nifty could be the right option. You may get an outcome on your one hour personal loan application within an hour (during normal business hours).

One Hour Quick Loans

Life is full of surprises. Sometimes those surprises provide us with great opportunities but there are times when they lead to cash-related issues. Fortunately, nowadays there are 1 hour quick loans available from Nifty that may help you resolve such problems.

These loans could be the right option for you if you need to get your hands on instant cash without dealing with mountains of paperwork or waiting for days. All you have to do to apply for a one hour quick loan is fill our simple application and we’ll get into evaluating it. Once we are done, we’ll provide you with an outcome. We may take an hour to completely evaluate your application (during normal business hours).

One Hour Fast Cash Loans

We understand the headache and stress you experience when life throws curveballs at you and leaves you in the lurch. You may need some instant cash to get out of the dire situation. At Nifty, we may be able to provide you with the money you need with our one hour cash loans online.

The maximum you may be able to borrow from us is $10,000 and you may be required to pay that amount within a period of 24-months. Our one hour cash loans very quick funds could be the perfect solution to deal with unexpected expenses. That’s because if you’re approved for a one hour cash loan, you may get the money in your account the same business day. However, access to funds is subject to inter-bank transfer times.

Looking for One Hour Cash Loans No Credit Check?

Fast cash loans in one hour can be offered by us. However, we don’t provide one hour cash loans no credit check. As responsible lenders, we do check credit scores on all applications for one hour loans, but that shouldn’t deter you from applying for a loan with us. Even if you have bad credit, you still have a chance to qualify for one hour loans with bad credit. We could even provide cash for unemployed people – so, why not apply now.

The reason is that we’re a little more lenient than traditional lenders. Unlike some lenders, we give everyone a fair go regardless of their credit score. At Nifty, we believe past mistakes from up to seven years ago do not always reflect the client’s true financial position.

When assessing one hour loans application, we consider several factors and credit score is just one of them. Additionally, we also look at your current financial situation, so you may be able to qualify if your current relationship with money is okay.

Why You May Need A One Hour Loan

There are times when you need access to cash fast. You may not have a better option than getting a one hour loan. Some real-life situations where you may need a one hour loan include:

Medical Expenses

Life can surprise you at any moment. When those surprises come in the shape of a medical emergency, they can disrupt your life as well as your finances. You may need access to cash fast if you’re hit with a medical emergency and need to pay for your loved one’s treatment. That’s where a one hour loan from Nifty could help. So, apply for a loan with us when you need to spread the cost of a medical procedure over time.

Car Repairs

Cars are prone to breakdowns and no matter how well you maintain it; it can fail on you at the most unfortunate times. You may be short on cash to pay for car repairs, but that doesn’t mean you should suffer on public transportation until you have saved enough to afford the repairs. You may be able to pay for the repairs by getting a 1 hour loan from Nifty. So, when you need cash for car repairs, apply for a one hour loan with Nifty.

Light bulb

Here's a Nifty question!

What was your last unexpected expense?

Eligibility Criteria

At Nifty, we give everyone a fair go regardless of their credit. However, there are few requirements you must meet before you can apply for a one hour loan with Nifty. You must:

  • Be at least 18 years old;
  • Be an Australian citizen or permanent resident;
  • Have been receiving a regular income;
  • Have a valid contact number and email address;

What Do I Need With Me When I Apply?

We know that you’re applying for a one hour loan because you need money fast. So, we want to make it even easier for you to get access to cash fast. That’s why we don’t make you complete mountains of paperwork and wait days to see if you’re approved. We have a super simple application – you can complete it within a few minutes. However, before you start, have these important details handy to breeze through your loan application:

  • Bank account details;
  • Personal contact information like mobile number and active email address;
  • Reason for getting the loan;
  • Employment info.

You should be able to fly through the application if you have this information at hand. You can shoot us an email at if you have any questions about the application and everything you need to complete it.

How to Apply for a One Hour Loan

Applying for a one hour loan Nifty takes only a few minutes. Follow these simple steps to apply with Nifty:

Step 1: Complete the Online Application

Scroll to the top of the page and use our loan calculator to select the amount you want to borrow and the time you need to pay it back. Once you’re done, click the ‘apply now’ button and complete the application.

Step 2: Application Assessment

Once you have completed the application, our experts will review it to determine if you are eligible for the one hour loan. You may get an outcome within 60 minutes (during normal business hours)

Step 3: Transfer of Funds


Here's a Nifty fact!

88% of our customers have their funds in their account within 60 seconds of signing their contract!

If you are approved, we will transfer the funds the same day (if approval comes during normal business hours). Access to funds is subject to inter-bank transfer times.

Benefits of a Nifty Loan

Want to know the other benefits of getting a loan with Nifty, apart from One Hour Loan? Although there are many benefits of getting a loan from Nifty, we’ll only give you a bite-sized preview of what you get from us. After all, we don’t want to brag.

100% Online

We’re 100% online which means you don’t have to deal with mountains of paperwork. All you have to do is fill a simple online application and we’ll have your application in our database for evaluation.

Quick Approval

At Nifty, we offer loans without any fuss – we do direct loans. Most of the time, borrowers can get an outcome on your application within an hour (if they apply within business hours). So if you are after a One Hour Loan, you have come to the right place! If you apply outside of normal business hours, we’ll get back to you with a response as soon as we’re back in the office.

No Punishment for Early Payment

You may want to pay off your loan early. That’s great. Unlike some other lenders, we won’t punish you with fees for paying off the loan early. Why should you be punished for being responsible with finances, right? You might be able to save a few bucks by paying off the loan before the end of the term.

100% Transparent

Just because we’re offering loans with fast approval doesn’t mean we’ll trap you with hidden charges. All our loan products are transparent. Our loans will not have any hidden fees or charges. You can rest assured that you’ll be paying exactly what you’ve been told. Take a look at the ASIC MoneySmart website to find out more about what lenders can charge.

Easy and Quick Repayments

Nifty delivers slick services and fast easy cash loans. You don’t have to set hundreds of reminders to remember making your repayment. That’s because upon signing the contract, you’ll be set up with a direct debit that’ll automatically come out of your account on the day you agree with us. This way you won’t have to worry about repayments.

How technology is speeding up the world!

Over the years, technology has revolutionized the world and year after year it gets bigger and better. The digital age has improved people’s way of life dramatically and has changed the way business is conducted. Thanks to technology sometimes we feel as though our lives are speeding up, this is because of how easily accessible more and more things are becoming through technology and how little time we need to complete these tasks, allowing us to get back to the things we love.

  • Loan software – Over the last few years, applying for a loan has never been easier, whether this be through bank for a mortgage or car loan or for a smaller loan for that unexpected utility bill. Companies are now utilising the latest in innovative loan software which means very little paperwork and allows both the customer and business to fast track the process. With this technology in place it isn’t just the application process, it is the end-to-end loan management, which automates every step of the lending process from application to approval and from servicing to compliance. With many companies allowing customer access to their accounts via online portals, it has been made even easier to keep track of loan applications and repayments.
  • Online banking improvements – Majority of banks now offer internet banking. This means you are able to complete a range of financial transactions online and very rarely need to step into a branch to do this. From paying a bill to paying your friend for lunch, all you need is the banking details to send the payment, it’s that simple. No more making the trek to the branch to transfer $10 to your savings, this can be completed within minutes from the comfort of your couch. 
  • Shopping – Technology within the shopping world has changed the experiences drastically over the last 5-10 years. It has been made simpler in several areas and because of this has increased the volume of shoppers daily. From fast tap and go payments in store, to click and collect options, meaning you can order and then pick up at a time that best suits you, it really is allowing minimal time to get the shopping done. Technology has also increased the volume of online shoppers especially, this is due to the fact so many stores are now accessible online and allows consumers to access them at any time of the day. According to a report conducted by Statista, the online user rate in Australia is at 71.1% in 2020 and is expected to increase to 76.7% by 2024, which with the new technologies being released every year and how simple it has made shopping, it’s not hard to see why. 
  • Educational and social – If you’ve wanted to complete a course and increase your chances of changing to a career you’ve always dreamed of, today’s technology has had a great impact on learning. If getting to classes isn’t an option, with these advancements and gadgets such as laptops and tablets, you can gain access to more educational material and online courses and this can be completed in the comfort of your own home.

The improvements in technology over the years has also helped advance the ways in which we communicate and contact people. Mobile phones, email and social network websites are just a few examples that help make communication more convenient in both business and personal worlds. Sometimes with busy lives and time getting away from us, it can be hard to keep in contact with those we love most and before we know it, it’s been weeks even months before we’ve been able to see them. However, with many different platforms available now it’s easy to drop a message and check in until you’re able to sync schedules and meet face to face again

Nifty Loans

Below is a list of some of the loans Nifty customers have been approved for.

Search TermAmountApproved
Instant Cash OnlineAUD ($)900
Bad Credit Loans OnlineAUD ($)1,200
Cash Loans For Bad CreditAUD ($)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.

So, ready to apply for your One Hour Loan? Scroll on up, and click APPLY NOW!

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.

Read More

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

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 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.