Same Day Loans up to $10,000 | Fast Approvals Online

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

Apply now for:

Fast Personal Loan

up to $5,000

or

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:

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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.

Same Day Loans

 

Same day loans Australia

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. So when you need access to fast funds, there’s no better option than Nifty’s same day loans from $300 to $10,000. 

Our same day cash loans are designed to cover the nastiest of unexpected expenses. They are 100% online, paperless and quick – all the things you want to hear when you’re in need of some cash, fast. 

What are same day loans?

Same day loans are personal loans that are applied for, processed and approved all within the same day. They typically range anywhere from a few hundred dollars up to $10,000. 

Lenders that offer these loans typically operate 100% online, meaning applicants can apply from their smartphone or computer in just a few minutes. These lenders use modern technology to assess someone’s creditworthiness without the need for physical documents. 

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 cash loans. 

What information do I need to provide?

Our application is very straightforward and requires little documentation. 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!

What loans does Nifty offer?

Nifty offers three different types of personal loans. We’ve listed these in the table below:

Loan TypeSecured OptionsLoan amountLoan term
Small LoanUnsecured$300 to $2,0006 to 9 months
Medium LoanSecured$2000 to $4,6009 to 24 months
Large LoanSecured$5,000 to $10,0009 to 24 months

FAQs

Can I get a same day loan?

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.

How quickly can I get a same day loan?

If you apply within AEST business hours, our team of loan specialists can offer you a quick cash loan and approve your application on the same day. Some applicants receive a yes or no answer from us within 60 minutes of completing their application.

Can I get a loan with bad credit?

Yes, you can. We’ve provided thousands of Aussies 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. 

Do you offer loans with no credit check? 

Unfortunately not. As a reputable lender that is committed to responsible lending, we always conduct credit checks on all assessments. 

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 and have kept on top of recent bills, then we may be able to look past your credit history. 

What are your loan terms? 

Our loan terms range from 6 months to 24 months. Whether you’re after a short term loan or need a longer repayment period, we can accommodate you. Additionally, If you’d like to payout your loan early, you won’t be charged an early settlement fee. 

What are the fees and charges on your loans?

The interest rate, as well as fees and charges, will vary depending on your financial situation and the loan you apply for. For a detailed breakdown of our same day loan costs, visit our cost page

Apply for a same day personal loan

We’re hoping you now have all the information you need to make an informed decision about whether or not a same day personal loan is the right thing for you. If you still have more questions, check out our FAQ page or send us a message

Otherwise, go ahead and scroll to the top of this page to get started with your online loans application!

Apply Now

Andy Andy

AUTHORITATIVE SOURCE

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:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.