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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.

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Cash in your bank within 60 seconds of approval*

Same day cash loans up to $10,000. Apply now!

What are same day cash loans? 

Need cash in a hurry without the hassle of a traditional lender? Remember, at Nifty Loans, we can provide hassle-free, same day cash loans, online in Australia. We don’t mess around with paper forms and long waiting times. Our team cuts straight to the chase so you get the cash you need without delay. So when you need quick loans same day, think Nifty!

Same Day Cash loans

Let’s picture this…

Its the middle of an Australian summer. You have all the relatives, plus a few other stragglers, gearing up to come to your place for Christmas. You got the prawns, turkey, chicken, beef, pavlova, and trifle (plus enough fruit and vegetables to feed a small town) completely filling up every crevice in your fridge and freezer.

Then, disaster strikes.

You have been telling the kids time and time again, “don’t leave the fridge door open” for as long as you can remember. And then BOOM. You have pushed your luck one too many times. The poor old fridge has given up. Not only that, but you don’t have the cash to run out and buy a new one (especially considering how much everyone has just spent on food).

So what can you do?

Fridges and freezers don’t always come cheap (especially when you are storing a near industrial amount). Everyone is strapped for cash, but you also can’t bear to see all that food and money go to waste. That’s when it occurs to you “I need quick loans same day approved”. When you need loans same day, there are options out there for you!

Light bulb

Here's a Nifty question!

What was the last expense you needed to pay the same day?

Can I get same day loans?

Quick Same day loans are designed to be delivered super fast. Nifty offers same day loans up to $10,000 that could be in your account in just 60 seconds once approved for NPP enabled bank accounts! Keep in mind, however, that this is dependent on your individual circumstances and how your bank handles transfers. If an unforeseen expense pops up, don’t waste time googling ‘same day approval on fast cash loans online’, ‘500 cash loans same day’ or ‘how to get a loan of $10,000’, just apply with Nifty! Keep in mind that you will need to apply within AEST business hours if you would like to receive an outcome on the same day! 

How to borrow money online

  • Look for a reputable, licensed lender, like Nifty. 
  • Apply online for same day loans outcomes.
  • Once approved, cash could be in your bank account in less than 60 seconds.

We are a 100% online Australian money lender. At Nifty, we pride ourselves on delivering super-fast loans and providing genuine customer service.

When life throws you a curveball, Nifty can offer same day small loans between $300 – $10,000. Cash loans under the value of $2,000 are repaid over a maximum period of 12 months. Nifty’s larger loans between $2,100 and $10,000 can be repaid over a period of 9 to 24 months. Whatever your circumstance, Nifty could have the loan for you.

How Do Same Day Loans Work?

If you are a borrower who needs cash in their account as soon as possible, why not apply for same day loans? Due to our Nifty application being 100% online and completely hassle-free applying for a loan could be as simple as 1, 2, 3. Here’s how it works:

  1. Enter in the loan amount and desired repayment period in the loan calculator at the top of the page.
  2. Fill out the easy online application form. Once this has been submitted, our assessment team will get back to you with an outcome in 60 minutes if you apply during AEST business hours. If approved, we’ll send you over your loan agreement.
  3. Once you’ve signed your loan agreement, we’ll get to work transferring your loan. If your personal bank account is NPP or Osko enabled you could have the cash in your account and ready to use in 60 seconds.

Loans Same Day Outcomes – Who Can Apply? 

Before you can apply for same day cash loans online, you simply need to meet the following requirements:

  • Must be over 18-years old;
  • Be an Australian citizen or permanent resident;
  • Be receiving a regular income into a personal bank account for at least 3-months;
  • Have an active mobile number and email address.

That’s it! Just those four requirements and you’re ready to apply with Nifty Loans!

What to have handy when you apply with Nifty Loans?

Applying with Nifty Loans, there are a few details to have by your side just to make your life that bit easier!

So, before you apply just get these details ready:

  • Personal contact details e.g. active mobile number and email address
  • The reason for your loan
  • Internet banking details
  • MyGov details (if applicable)
  • Employment details

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? 

Firstly, submitting an application is easy and stress-free with Nifty – you just need a few pieces of information handy and can get started any time. Secondly, our application form could be completed in minutes, and it’s 100% online! Here what you’ll need to do: 

1. Apply online

Our cash loans application is simple and convenient. Say goodbye to fruitless trips to the bank and long waiting periods. At Nifty, we don’t make you jump through multiple hoops to gain approval on a same day loan. To start your application, simply scroll up and 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.

2. We assess your application

After you’ve submitted your application, the rest is down to our expert team of loan specialists. So, don’t sweat it. In other words, just sit back and relax while we assess your application. However, we’d recommend that you keep a keen eye on your emails and texts. 

3. We deliver your cash

If the Nifty team has been able to match you with a same day loan we’ll get in touch straight away. Of course, you will need to review and sign your electronic contract before we can pay out your loan. 

Finally, as soon as our team receives a signed copy of our agreement we’ll transfer your loan. If your bank is NPP or Osko enabled you could have the cash in your account and ready to use in just 60 seconds. No-fuss, no worries. This is, of course, provided your contract is signed before the close of business.


Here's a Nifty fact!

For applications that require a manual assessment, most have an outcome within 60 minutes*!

Unexpected expense? Choose Nifty?

Faced with an unexpected expense, we bet you’re looking for a lender that can offer fast outcomes and even faster payouts. Nifty is the best choice for same day loans. Here are just a few reasons why: 

  1. You won’t even have to leave your living room or office to apply and receive your same day cash loan
  2. Our application is fast and to the point. Some applicants will get a yes or no answer on their loan application within 60 minutes*.
  3. Looking for same day cash loans with no credit? Nifty does conduct credit checks, although 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. 

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

Can I get a loan online same day with Nifty? 

At Nifty, we do not offer payday loans. Traditionally, payday loans were lent and then 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. A SACC is a Small Amount Credit Contract and can be lent over a smaller period of time.  

What are same day loans bad credit?

“Same day loans bad credit” is more than just a search term. It’s something we do well. In fact, unlike many traditional lenders, Nifty does not assess your application based solely on your credit score. Clearly, our team prefers to take a more realistic approach to lending. We might take a look at 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.  

At Nifty, we want to get a better understanding of your current relationship with money. Importantly, we might be able to look past your bad credit and give your application the fair assessment it deserves. 

Do you offer same day loans no credit check?

No. Nifty is likely to conduct a credit check on your assessment. At Nifty, we are committed to responsible lending. As a part of this commitment, we are required to conduct credit checks on same day cash loan applications. 

Our team might take a look at your bank statements in order to assess whether you are able to afford a loan. We do our best to get a good idea of where you are currently at with your finances. If we can see you’ve 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. 

Do you offer same day loans for pensioners?

Yes. At Nifty, we can consider regular pension payments as a form of income. As with all of our loan products, however, we can not guarantee approval. Our team will need to assess your individual financial situation.  

Do you offer same day loans for Centrelink?

Yes. Nifty could consider regular Centrelink payments as a form of income. If your repayments will comfortably fit within your Centrelink payments, you could stand every chance of being considered for approval. As we mentioned, the Nifty team will need to conduct a thorough assessment of your individual financial situation. 

Can definitely help with!

May still be able to suit your needs for!

Cash loans Australia

Payday loans Australia

Bad credit loans

Payday loans bad credit

Loans for people on Centrelink

Payday loans Centrelink

Online cash loans

Payday loans online

Loans for single parents on Centrelink

Payday loans for Centrelink customers

Same day loans

Instant payday loans

Same day online loans

Online payday loans Australia

Weekend loans

Weekend payday loans no credit check

Looking for other same day cash solutions?

Need money today but don’t know where or how to get it? Here are some other things to consider to get you started.

  • Airtasker is a great app that helps you find local jobs that people are willing to pay you on the same day for these jobs are being done. The best part is you can arrange for many of these jobs to be paid in cash!
  • Do you have jewellery or other precious metals? Businesses that specialize in crafting jewellery or mending can pay a decent amount of money for silver, gold and or lose diamonds. So if you have any unwanted jewellery, this is definitely an option to get same-day cash!
  • Check your clothes; it might sound strange but you may be surprised at what you find in your pockets or bag after a night out that you have forgotten about.
  • Do you have a huge stash of coins in your car for those Mcdonalds runs? Maybe it’s time to cash it in at the bank and change those coins into notes, particularly if you have lots of goldies.

Ready to apply?

Decided a loan is what you are after? If you have bad credit, receive Centrelink or just looking for some quick loans same day, apply with Nifty Loans. We’re a fresh take on an old system, and ready to bring fast, quick lending into the light. To apply, just complete our application – it only takes a few minutes!

Let’s be friends

You may be experiencing information overload about getting loans same day, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.

If you’re looking for a personal loan, Nifty can now help you out, bad credit and all!


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 Loans

Large Loan Example


Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
Total payable:
Weekly installments:
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Medium Loans

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)
EEstablishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
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Small Loans

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
EEstablishment 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.