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Fast Personal Loan

up to $5,000

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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.

Looking for Same Day Loans? Nifty’s Fast Outcomes Can Get You Cash Quick

Need a same day loan?

Are you looking for cash that can be accessed quickly? Maybe you’ve been searching the web for online lenders who provide same day loans? At Nifty, we’re the local lender more Aussies trust when they need fast cash without the fuss. Our team is committed to providing fast outcomes when you need them most. With Nifty, you could apply for between $300 and $5,000 in just a few short minutes. Keep reading for more of the info you need to keep in mind about same day loans.

Same day loans

What are a same day loans?

So, what actually is a same day loan? Essentially, a same day loan is just a personal loan that is approved on the same day as application. Not sure what a personal loan is? A personal loan is an amount of cash that is borrowed from a lender and then repaid over an agreed-upon period of time. Keep in mind that personal loans traditionally attract interest that is payable on top of the loan amount.

Nifty Australia

Nifty Loans is a home-grown lender providing Aussies with the cash they need, when they need it. We don’t believe in extended waiting periods or paper forms. From application to approval, at Nifty the whole process is 100% online. That means you won’t even have to leave the comfort of your own living room to get started today. 

Nifty is proud to be a responsible lender. What does that mean? Responsible lending means we do the right thing by our customers. The Nifty team abides strictly by the Australian Code of Responsible Lending. Basically, we will never lend cash to someone who does not have the means to repay it. If you’ve been googling ‘same day loans’ then it’s a good idea to keep your wits about you. The Nifty team recommends you do your research before signing any loan agreement.

Can I get same day loans from Nifty?

That’s a good question! At Nifty, we do not guarantee same day loans. That being said, our team works hard to deliver very fast outcomes on personal loan applications. If you choose to submit an application during AEST business hours, the team at Nifty will do their best to provide you with an outcome in just 60-minutes. At Nifty, we don’t mess around with lengthy waiting periods. Our team will cut straight to the chase. We know that when Aussies need fast cash, there is no time to waste.

What can I apply for? 

Nifty approves loans for a variety of different circumstances. Not sure if you’ll meet the criteria? Well, you might be surprised. Here are just a few of the loans we have already approved:

Dental loans 

If the dentist has dished out more than just a sore tooth, why not let Nifty lend a hand? We’ve helped heaps of Aussies get the cash they need to cover dental expenses in record time. Although we cannot guarantee same day loans, the Nifty team endeavour to deliver speedy outcomes so you get the cash you need without delay. The best part is, you can apply 100% online today. What are you waiting for?

Cosmetic surgery loans 

If you’ve been thinking about undergoing cosmetic surgery there is no need to put it off any longer. At Nifty, we could approve you for a cosmetic surgery loan much faster than you might think. How much could you apply for? Nifty approves cosmetic surgery loans between $300 and $5,000. The good news is, is you choose to apply during AEST business hours you could have an outcome in just 60-minutes. Talk about speed and convenience.

Education loans 

Need some cash to cover Uni expenses? Maybe you need to purchase a new laptop or a whole bunch of textbooks? If you’ve just started Uni, the last thing you don’t want to be worried about is money. So, while you focus on the study side of things, why not let Nifty look after the money? We’re here to help alleviate the pressure. So, if you’ve been thinking about borrowing some cash, simply scroll up and apply with Nifty today.

Who can apply for same day loans?

Like what you hear? Wondering who can apply? The good news is, we like to keep our application criteria as simple as possible. We do, however, need our applicants to meet a few simple application criteria: 

  • You will need to provide us with 100-points of identification;
  • All applicants must be over the age of 18;
  • All applicants must be either an Australian citizen or permanent resident;
  • You must have received some type of regular income for the last 90-days into a bank account that is your own;
  • All applicants must have an active mobile phone number and email address;
  • You must have internet banking set up and ready to be used.

Will I need to submit paper documents?

No! At Nifty, we do not ask you to complete any paper documentation when you apply for a loan. We won’t ask you to submit any paper forms either. All required documentation can be submitted 100% online. To make the process as streamlined as possible, here is what our team recommend you keep handy: 

  • Personal details like your online banking & employment info;
  • An active email address and mobile number;
  • The reason you are applying for the loan;
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer contact details.

Does Nifty do employment checks?

Yes, in some cases the Nifty team will conduct an employment check when you apply for a personal loan. There is no need to worry though, this is usually just a routine part of our assessment process. You can rest assured knowing that our team will never disclose any of your personal or private information to an employer (this includes the reason why you are applying for a personal loan). If you’ve got questions regarding employment checks, Nifty is happy to help. Get in touch with our friendly team today. 

Why do I need to provide online banking details?

Good question! Don’t worry, we won’t use them to access your real bank account. Nifty uses online banking details to access read-only copies of your bank statements. What are bank statements used for? Nifty will use your bank statements to get a better idea of your income, regular deposits and spending habits. Our team wants to make sure you have the means to repay a personal loan. We take responsible lending very seriously and are committed to doing the right thing by Aussie borrowers. Keep in mind that Nifty does not guarantee same day loans. We do, however, guarantee that our team will do their best to provide you with an outcome as soon as possible.

Worried about the security of your information? Well, you don’t have to be! At Nifty, we use the latest in safe-banking technology to ensure your information is always encrypted. That means no one will ever be able to see your personal information or passwords. If you’d like to know more about this process you can get in touch with the friendly Nifty team today! 

What about bad credit?

Concerned that your credit score might affect your eligibility? At Nifty, we prefer to take a realistic look at lending. What does that mean? Basically, we’ll do our best to find a loan product to suit your individual circumstances. We understand that sometimes life doesn’t go to plan and bad credit is unavoidable. The Nifty team will take a look at your current financial situation instead of focussing on the past. We’ll assess whether or not you have made a considerable effort to reconcile bad credit in order to assess your eligibility. Keep in mind that Nifty does not guarantee approval for applicants with bad credit. We do, however, promise you a fair and reasonable assessment. 

Will Nifty do a credit check?

In most cases our team will conduct a credit score check whilst assessing your loan application. Credit score checks are part of our commitment to responsible lending. It is important to remember, however, that Nifty is an open-minded lender. That means we will look at the whole picture when assessing your application. Our assessment will not be based solely around the result of a credit score check.

100% online 

Nifty is proud to be 100% online. That means you won’t ever have to visit a branch to submit an application. We’ve worked hard to create a streamlined application process that you can complete anywhere and at any time – you won’t even have to leave your living room. That’s the beauty of Nifty Loans.  

How quickly will I get my cash?

Wondering how quickly you’ll get your cash? Instant banking is now making it possible for Aussies with NPP or Osko enabled bank accounts to have the cash in their account and ready to use in just 60-seconds once approved. At Nifty, we are committed to making it as easy as possible for you to get the cash you need without the hassle of traditional lenders.

How do I apply same day loans?

Ready to start an application with Nifty? Great! It’s simple and stress-free. Here’s what you’ll need to do:

Step 1: Apply online 

Head to the top of the page and use the loan calculator to select your desired loan amount and repayment period. You will then be directed to complete our 100% online application form. This could only take a few short minutes. We recommend you have all required documentation ready to submit with your online application. 

Step 2: We assess your loan 

You can kick back and relax, the Nifty team will assess your same day loan application and do their best to get back to you as quickly as possible. Keep in mind that if you apply during AEST business hours, our team will do their best to get back to you with an outcome in just 60-minutes. 

Step 3: Review your agreement 

If the Nifty team has successfully matched you with a compatible loan product we’ll let you know straight away. Our team will send over an agreement for you to review and sign. We encourage all borrowers to read through their agreement carefully. It is important to make yourself aware of any possible fees and charges that could incur for late or failed payments. Get in touch with our friendly team if you’ve got questions regarding your contract. 

Step 4: Get your cash 

Once the Nifty team receives a signed copy of your agreement they will transfer the cash straight to your account. Instant banking is now making it possible for Aussies with NPP or Osko enabled bank accounts to have the cash in their account and ready use in just 60-seconds once approved. 

Our customers 

At Nifty, we know that without you there is no us! Our customers are the most important part of our business. Nifty is committed to the best possible customer service for every applicant. If you’ve got questions, we encourage you to get in touch with our friendly team. We are more than happy to assist in any way we can. 

Responsible lending 

Nifty is proud to be a responsible lender. What does that mean? Well, it means we do the right thing by our customers. At Nifty, we never approve loans for people that we believe can not afford to the repayments. Our team conducts thorough assessments of every loan application to determine whether or not the borrower will be able to meet the repayments. If you’d like to know more about responsible lending you can get in touch with our team.   

*If you apply during business hours and we don’t require any additional information from you

Can’t get access to a computer or bank branch? Apply for loans on your mobile instead!

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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 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 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 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.