Quick Loans up to $10,000 | Fast Outcomes & Instant Transfer

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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.

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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.

Nifty’s Quick Loans

Need quick cash?

Had a health emergency? Gotten into a car accident? Or just can’t keep up with all those bills? Whatever your situation may be, we can all agree financial emergencies can get expensive, and unpredictable. So, when you find yourself struggling with an emergency expense, Nifty’s quick loans online could be your saving grace. 

Our quick personal loans are 100% online, paperless and fast all the things you want to hear when you’re in need of some cash, quick. Read on to find out how you could qualify for one today!

Who is Nifty Loans?

Before we delve deeper into quick loans, we thought we should introduce ourselves first. We are one of Australia’s fastest-growing small online lenders. We service online loans up to $10,000 for everyday Australians – with repayment periods up to 24 months. Our dedicated loan specialists work with hundreds of Aussies each and every day to identify the best loan for their needs.

More importantly, we are a committed, responsible lender. As such we comply with all the relevant state and federal legislation so you can trust that we will get you the best outcome every time. So, you need quick loans Australia and are ready to apply? Keep reading to find out all you need to know.

Quick Loans FAQs

What are quick loans?

Quick loans are just that, quick! They are essentially personal loans where you can borrow up to $10,000 and have the money sent to you on the same day of applying. The repayment period on these loans depends on the amount you decide to borrow.

Nifty specialises in quick loans. Our online application usually takes people less than 8 minutes to complete. From there, you could get your outcome in 60 minutes* and have your cash in your account within 60 seconds of signing your contract.

Can I get an instant loan?

Some lenders claim to provide instant approvals, but this often isn’t the case. Due to responsible lending practices, most lenders will have to do an assessment on your application before they can approve it.

At Nifty, we’ve streamlined our application process to ensure that our customers can be appropriately assessed and still receive the fast outcomes they need. As a result, you could get an outcome on your application within just 60 minutes of submitting it if you apply during business hours! Now that’s what we call fast.

What can I use quick loans for?

While we know quick cash loans can be the perfect solution to a financial emergency, some people don’t realise they can be used for other purposes. In fact, there’s a wide range of reasons you might qualify for a personal loan.

Our most popular loans you can apply for are car repair loans, rental bond loans and even medical loans. But we don’t stop there! To give you an idea of what other types of loans you can apply for, here is a small list of some of our other loans:
Holiday loans
Debt consolidation loans
Home improvement loans
Dental Loans
Emergency loans

Is your particular expense not listed here? Don’t worry! If you’re looking for a loan to cover any other expenses, just state that in your application, and we could give you the loan you need!

Can I get quick loans with bad credit?

Yes! At Nifty, we believe having a bad credit score doesn’t come close to telling us your whole story. We focus on the bigger picture. As a result, we’ve provided thousands of Aussies in all sorts of financial situations with bad credit loans. What makes us stand out is that we’re determined to assess every applicant equally and we don’t just look at your credit history to decide if you are eligible for a loan or not. We take a look at the bigger picture – your current relationship with money and your bank statements. 

Will you check my credit score?

At Nifty, we do conduct credit checks as a part of our responsible lending practices. However, don’t let that deter you from applying for our quick loans with bad credit. We aim to give every Aussie a fair go.

Do you do quick loans for Centrelink customers?

You we can! At Nifty, we encourage all eligible Australians to apply for our online loans when they need them. If the loan repayments will comfortably fit with your Centrelink income, you could be considered for approval.

Our team will immediately assess your application and do their best to determine whether you’re eligible for one of our loans. So, while this doesn’t mean you’re guaranteed to get a loan, we can guarantee you’ll be given a fair assessment.

How fast will I get my cash?

Nifty is committed to making things as painless as possible when it comes to getting the cash you need. During our normal business hours, we can provide outcomes in under 60 minutes. If you’re approved and you have an NPP or Osko enabled bank account, then you could have the cash in your account within just 60 seconds.

What’s the difference between secured and unsecured loans?

A secured loan requires you to provide an asset as security. This could be your car, boat or other assets with equity. By showing proof of any of these assets, you are providing a greater sense of security to the lender. With a secured loan you could also get a lower interest rate on your loan. However, if there’s a chance you are suddenly unable to repay your loan, the lender can take possession of the asset to cover the costs of the loan. Don’t stress though! This is only done as an absolute last resort.  

An unsecured loan, on the other hand, doesn’t require any asset as security. Without a need for security, our unsecured loans are easy to repay with flexible loan terms. The loan can be repaid over a 6 to 9 month period.

Can I get quick same day loans?

While it’s not a guarantee, you most certainly can get same day loans from Nifty. If you apply during our business hours, our assessment specialists will do their best to give you an answer on your loan in just 60 minutes. If approved, most people have their cash in their bank account within 60 seconds of signing their contract.* 

So not only can you get same day loans with Nifty, but you could get your cash in just an hour or two after applying – how quick’s that! 

If you apply outside our business hours, the process may take a little longer. There’s no need to stress though as we will get to your application first thing the next morning!

What are your opening hours?

Looking for quick cash loans? The time it takes for you to receive your loan outcome will most likely depend on when you apply. If you apply during our business hours then you could get a quick decision in an hour.

Our business hours are:
Monday – Thursday 8:00 am – 5:00 pm
Friday 8:00 am – 4:00 pm
Saturday – Sunday Closed

Who is eligible for quick loans?

Before you apply for a quick loan, we have a list of eligibility requirements that you’ll need to meet. To be eligible, you need to be:

  • 18 years or older with an active Australian mobile number and email address;
  • An Australian Citizen or Permanent Resident;
  • Currently receiving a regular income into a personal bank account (for at least the last 3 months);
  • All setup with internet banking.

If you meet this criteria, then you’re eligible to apply for a quick loan! 

What information do I need to provide?

The good news everyone wants to hear – our application is simple, quick and 100% online! That means no unnecessary documents and paper forms. You just need to fill out a few important personal and financial details, such as:

  • 100 points of ID (name, D.O.B, etc.)
  • Contact information
  • The reason for your loan
  • Internet banking details
  • Your MyGov account details (if you receive Centrelink benefits)
  • Employment details and employer contact information

Don’t stress about handing over your banking information. Our team will obtain a read-only copy of your bank statements to get a better understanding of your spending habits, income and existing financial commitments in order to determine whether or not you will be able to repay a personal loan. 

How do I apply for quick loans?  

More good news – applying for our loans is again, quick and simple. We’ve provided you with these simple steps on how to do this:

Step one: Apply online

To start your application, simply scroll up to use our loan calculator. Select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’  Next, you’ll be directed to our 100% online application. Here, you’ll need to provide some personal and financial details. Make sure you fill out the required fields as thoroughly and as honestly as possible. When you’re finished, hit ‘Submit.’

Step two: We’ll assess your application

That’s it from you! We’ll take over from here. Once we’ve received your application, our team of loan specialists will get to work assessing it. In other words, just sit back and relax while we assess your application. 

Step three: Review and sign your contract

If the Nifty team has been able to match you with a quick loan, congratulations! We’ll then send you an electronic copy of your loan contract for you to review and sign. We recommend reading the terms and conditions thoroughly to make yourself aware of any fees and charges for late or missed payments. When you’re happy, e-sign it!

Step four: Get your cash!

Finally, as soon as our team receives a signed copy of our agreement, we’ll transfer your cash. If your bank is NPP-enabled, you could have the cash in your account in just 60 seconds*. Of course, this is all provided your contract is signed before the close of business.

*If approved, most of the time we will transfer the money into your bank account instantly. This can take as little as 60 seconds depending on your bank. Read more about our instant banking feature here.

What can I use a quick loan for? 

When the unexpected happens, we know you need money, fast. Which is why fast loans can be used to cover so many of life’s basic, yet essential needs. Have a read of some of the most common examples below: 

  • Car repairs: It’s 7:30 am on a Tuesday – the work rush. You go to start your car but all of a sudden, nothing. Fast loans could help cover the cost of these nasty car repairs. 
  • Renovations: If you’re looking to give a room in your house a long-awaited facelift, Nifty’s fast loans can help cover the costs, so your renovation dreams can become reality. 
  • Travel or holiday: Craving an adventure or just a break from your day to day routine? Our fast loans could have you lying on a beach under palm trees sooner than you think! 
  • Wedding or honeymoon expenses: From picking a venue, catering and most importantly, the dress – weddings are pricey. So turn to our fast loans if you need help financing your special day! 

Why choose Nifty?

Nifty is a bit different, compared to traditional lenders – that’s what makes us so great. We won’t treat you like a number or a liability like a bank or credit union typically would. Whether you’re employed, get your income from Centrelink, or have bad credit, you are welcomed by Nifty.

In tough times when you’re hit with unexpected expenses, we understand you’ll be on the hunt for a trustworthy lender that can offer fast outcomes and even faster payouts. Here are a few reasons why you’re better off turning to Nifty for quick loans online when those unexpected expenses come up: 

  • You won’t have to leave your home to apply and receive your quick loan
  • Our application is fast and to the point. Some applicants will get a yes or no answer on their loan application within 60 minutes*.
  • Looking for quick loans bad credit? Nifty does conduct credit checks. However, we may still be able to help you if you have bad credit. Here at Nifty, we don’t only look at your bad credit, because we think that your credit history shouldn’t be the only thing considered when assessing your loan eligibility. 

Most importantly, at Nifty we understand that life doesn’t always go to plan and sometimes customers need a second chance!

Quick loans Australia

Quick loans in Australia have seen a surge in popularity in the last decade. With online lenders readily available, most people are no longer willing to wait days or even weeks to get approved for their loan. Instead they want a process that’s as quick and painless as possible. 

At Nifty, quick personal loans are our bread and butter. We understand the importance of speed and convenience. Our simple loan application allows you to apply for cash in under 10 minutes. From there we can approve your application in 60 minutes* and you could have your cash transferred to you immediately after signing your contract.*

Need a loan ASAP? 

Struggling to keep up with a growing stack of bills? Had a health emergency? Car needs some repairs? While everyone’s situation is different, financial emergencies are experienced by each and every one of us – and they don’t come cheap.  

If you need a loan ASAP, then you’re in the right place. Nifty’s quick loans are designed for people who need money in a hurry. So don’t waste any more time, scroll up to the top of this page to begin your fast and easy loan application. 

How can I get money today? 

Sometimes life throws it’s curveballs, making it difficult to manage your finances. Fortunately, there are ways to access money quickly if you are a bit short on cash and can’t wait until your next payday. One of these ways is applying for a quick personal loan. This loan option is designed for people who need money immediately. 

Nifty can provide quick loans from $300 to $10,000. We can also provide loans to people with bad credit. So if you’re worried that your credit score will hold you back when applying, Nifty can find other ways to approve you. We will put more focus on your income and current finances

Ready to apply?

We hope you now have all of the info to make an informed decision about whether applying for our quick loans is the right thing for you. If you still have more questions, check out our FAQ page or send us a message. 

We already have thousands of satisfied customers and we’d love for you to join our happy family! The emphasis that we put on awesome customer service, happy customers and quick outcome loans are what make us one of the best short term lenders around!

So what are you waiting for? Click the Apply Now button at the top of the page and start your journey to financial security with Nifty!

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

$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.