*During normal business hours.
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!
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 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.
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.
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!
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.
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.
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.
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.
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.
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!
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
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:
If you meet this criteria, then you’re eligible to apply for a quick loan!
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:
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.
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:
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.’
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.
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!
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.
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:
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:
Most importantly, at Nifty we understand that life doesn’t always go to plan and sometimes customers need a second chance!
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.*
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.
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
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
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
$5,000 - $10,000
$2,001 - $4,600
$300 - $2,000
* 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.