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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.
Cash in your bank within 60 seconds of approval*
*Only available for NPP enabled bank accounts
- It's possible with Nifty.
Same Day Cash Loans
Need cash today?
Whether you’ve gotten into a car accident, had a health emergency, or just keep getting flooded with those nasty, unexpected bills, we know how expensive emergencies can be. Although we wish we could, no one can predict financial emergencies. So when one occurs and you find yourself fumbling to get the funds to take care of it, Nifty’s same day cash loans are your saving grace.
Our same day loans are designed for when these nasty situations pop up out of nowhere. They are 100% online, paperless and quick – all the things you want to hear when you’re in need of some cash, fast. Read on to find out how you can get some!
Who are we?
Before we delve further into same day cash loans, we thought we’d introduce ourselves first. We are Nifty Loans, an award-winning online lending company that more Ausies are turning to for a reliable and affordable loan service.
At Nifty, we know there’s a pretty bad stigma associated with our industry. That’s why we’re here to change that for the better by acting as a reliable and trustworthy lender to help you move forward with your life. We use honesty, transparency and great service to prove that we are the right lender for you.
FAQs
Same day cash loans are loans that are applied for, processed and approved all within the same day.
Nifty has a pocket rocket team that can have your application soaring in no time! We are a 100% online service, no paperwork loans, no appointments – our team cuts straight to the chase so you get the cash you need without delay.
Our same day loans are designed to be delivered fast. Nifty offers personal loans up to $10,000 that could be in your account in just 60 seconds once approved*! However, keep in mind this is dependent on your individual circumstances and how your bank handles transfers.
If you apply within AEST business hours, our team of loan specialists can offer you a quick loan and approve your application on the same day. Some applicants receive a yes or no answer from Nifty Loans within 60 minutes of completing their application.
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. We’ve provided thousands of Aussies with all sorts of financial situations with bad credit loans. What makes us stand out is the fact that we focus on your current finances to see how you’re going to repay the loan – not just on your credit score alone.
No. Nifty are committed to responsible lending, which is why we conduct credit checks on all assessments. As part of this commitment, we conduct credit checks on same day cash loan applications.
Our team will obtain a read-only copy of your bank statements to get a better idea 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. If we can see you have been receiving a regular income for at least three months, and have been keeping up with any other repayments you may have, you could still be approved for a loan.
So, even if you have bad credit, consider applying with Nifty. We are firm believers that your credit history is not the be-all and end-all.
At Nifty, we do not offer payday loans. Traditionally, payday loans are loans that to be repaid on the borrowers next payday. Not only do payday loans often come with eye-watering interest rates but they are now illegal in Australia. For this reason, at Nifty, we offer SACC’s – Small Amount Credit Contracts. The repayment period on Nifty’s personal loans ranges between 6 and 24 months depending on the amount you borrow.
Yes. At Nifty, we can consider regular pension payments as a form of income. However, as with all of our loan products, we cannot guarantee approval. Our team will need to assess your individual financial situation.
We believe in inclusion for all Australians. Therefore, we encourage all eligible Australians to apply for our online loans when they need them! We count Centrelink payments as income. If your loan repayments will comfortably fit with your Centrelink income, you could stand every chance of being considered for approval.
Our team will immediately assess your application and do their best to match you with a loan that suits your financial situation. This doesn’t mean you’re guaranteed to get a loan. However, we can guarantee we will always give you a fair and just assessment.
Who can apply for same day loans?
We have a list of eligibility criteria that you’ll need to meet before you apply. To be eligible you need to:
- Be 18 years or older;
- Be an Australian Citizen or Permanent Resident;
- Receiving a regular income into a personal bank account for the last 3 months;
- Have an active Australian mobile number and email address;
- Have internet banking set up.
If you meet this criteria, then you’re eligible to apply for our same day loans!
What information do I need to provide?
More good news – our application is super simple and quick! 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
Having these details handy will help you breeze through your application. Leave the legwork to us, and complete your quick loans application in just a few minutes!
How do I apply?
Submitting an application with Nifty is easy, stress-free and 100% online! You just need a few pieces of information handy and can get started any time. We’ve provided you with some quick, simple steps on how to do this:
Step one: Apply online
To start your application, simply scroll up to use our loan calculator. After selecting how much you wish to borrow, you’ll need to consider how long you would like to take to pay back your loan. Finally, once you are happy with your loan terms, click the Apply button and you’re on your way! It’s that easy.
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 same day 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 or Osko 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.
What loans does Nifty offer?
Nifty offers three different types of personal loans. We’ve listed these in the table below:
| Loan Type | Secured Options | Loan amount | Loan term |
| Small Loan | Unsecured | $300 to $2,000 | 6 to 9 months |
| Medium Loan | Secured | $2000 to $4,600 | 9 to 24 months |
| Large Loan | Secured | $10,000 | 9 to 24 months |
If you’re curious about our interest rates and fees, head to our costs page for more info.
Why choose Nifty?
We are a 100% online Australian money lender. At Nifty, we pride ourselves on delivering super-fast loans and providing genuine customer service.
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 same day loans when those unexpected expenses come up:
- You won’t have to leave your home to apply and receive your same day cash 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 a personal loan with no 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!
Ready to apply?
We’re hoping you now have all the information you need to make an informed decision about whether or not a same day cash loan is the right thing for you. If you still have more questions, check out our FAQ page or send us a message, here.
Otherwise, go ahead and scroll to the top of this page to get started with your online loans application!
Apply Now
AUTHORITATIVE SOURCE
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 MoreLoan Costs
Large Loans
Large Loan Example
$5,000
Medium Loans
Medium Loan Example
$2,001 - $4,600
Small Loans
Small Loan Example
$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.