No fuss.
Just
nifty loans.

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

Paid back over 9Months

Estimated repayments

Your data is secure

Comodo Logo

Trusted by

Trusted Site Logo

Our customer rating

Google Reviews

ⓘ Loan Disclaimer

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

Tell Me More!
Cash in your bank within 60 seconds of approval*

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.

Quick Loan Approval Online – $300 to $5,000 – Apply With Nifty!

Quick loan approval online with Nifty Loans! You could complete our online application within minutes, and if you apply during normal business hours, we’ll have an outcome for you pronto! So, why wait? You could be eligible for a very fast loan of up to $5,000 today, with Nifty.

Quick Loan Approval Online

Nifty’s Quick Loan Approval Online

Quick loan approval online; they can be very hard to come by. There are so many lenders offering a variety of different loan products, but who can you trust? If you’ve ever googled ‘quick and easy loan approval’, ‘online loan application fast approval’ or even ‘instant online approval for personal loan’ then you probably know just how many search results you will get.

It can be extremely difficult to know who will deliver and which ones will disappoint. Don’t waste your time comparing lenders, turn to Nifty!

So, what is a quick loan approval online? If you’re wondering what a quick loan approval online really is then let us make it simple. A quick loan approval online is basically the quick cash you need completely online. At Nifty, this is what we do best.

Nifty could provide you with the cash you need very fast. You could apply for a loan today completely online. If you submit an application within normal AEST business hours our team will do their best to get back to you within 60-minutes. So, when we say fast cash we mean fast cash! Apply for an online loan application fast approval today!

Why Choose Nifty?

There’s a lot of online lenders, we will be the first to admit that. The difference between us and the others is that we won’t promise anything that we can’t deliver. What does that mean? To put it simply, we won’t promise you the world only significantly underdeliver when it comes to the crunch.

We pride ourselves on transparency and adhere strictly to the code of conduct for responsible lending. Our team works to match you with the best possible loan product for your individual circumstances. We will be the first to say that if we can not find an appropriate loan agreement, we will not lend you the cash. That’s why Nifty is always a safe and reliable choice when it comes to quick loan approval online.

Quick Loan Approval Bad Credit

Are you thinking… ‘I’ll never be approved for a personal loan because I’ve got bad credit’? Well, think again. Nifty is breaking the poor credit score stigma. Bad credit can hang around for up to 7 years on your credit file and we think that’s a long time. Why should you be judged solely on an incident that occurred so long ago?

Nifty looks beyond your credit score during the application assessment process. We consider the fact that things may have changed since then. That’s why we take a deeper look into your current finances and employment status as indicators.

At the end of the day, we just want to ensure you can pay back the loan and do so without financial hardship. As part of our commitment to responsible lending we will conduct a credit check, however, we assure our applicants that this is not the only factor we will consider. So, why not submit an application for quick loan approval bad credit today?

Who Is Eligible To Apply?

You might be wondering what our application criteria for instant online approval for a personal loan actually is. Well, at Nifty we like to keep things simple. If you can answer ‘yes’ to the following then we welcome you to scroll up and start the application process…

  • All applicants must be at least 18-years of age;
  • Have an internet banking account;
  • Applicants must have been receiving a steady income for the last 90-days into a bank account of your own;
  • An active email address and mobile phone number must be set up;

At Nifty, we love helping Aussies get the cash they need when they need it – without the fuss! So, if you’ve been thinking about submitting an application, why not give it a go? The application form costs nothing and our team will do their best to get back to you as soon as possible with an outcome.

What Documents Will I Have To Provide?

At Nifty, we love our speedy application process. Our online application form could only take you a few minutes to complete. So, here’s what you will need with you…

  • Your basic personal information (name, D.O.B, address etc.);
  • Online banking login details (so we can access read-only copies of your bank statements);
  • You will be asked to provide us with the reason why you are applying for a loan;
  • We will need your MyGov details (if you are receiving Centrelink benefits);

Why Does Nifty’s Application Require Your Online Banking Details?

Wondering why we ask for your online banking details? There’s no need to stress. We won’t actually access your real bank account ourselves. Our lending team requires these details to request read-only copies of your bank statements. This gives us a better look into your spending habits, regular transactions and deposits.

Due to the fact that we don’t look solely at our applicant’s credit rating, this could actually work in your favour. You can rest assured that Nifty uses the very latest in safe banking technology to ensure all of your passwords and personal information is encrypted. We assure you that your privacy is always our top priority.

Will We Contact Your Employer?

The short answer to this question is ‘maybe’. As part of our safe lending code, our assessment team will conduct an employment check if they are lead to believe something has changed with an applicant’s employment status.. It is also required as a part of our application criteria that all applicants must have been receiving an income into an account of their own for a minimum of 90-days.

Our team is highly trained when it comes to conducting employment checks. That means you can rest assured knowing that we will never disclose any private information nor the reason why you are applying for a personal loan. If you have any further questions regarding employment checks, don’t hesitate to get in touch!

How Much Can I Apply For?

At Nifty, we offer cash loans for a variety of different expenses. You could apply for a small, medium or large loan today. Wondering what small, medium and large mean? Let us explain:

Small Loans

A small loan with Nifty is a cash amount between $300 and $2,000. The repayments period on this type of loan is 6 to 9-months. At Nifty, we provide small loans for a variety of different reasons. From medical expenses to vet bills, Nifty could have the small quick cash you need.

The Nifty lending team will arrange for the repayments to be directly debited during this period. That means you will not have to remember to pay us, as long as the correct amount of money is in your account, the entire repayment process is automated. Small loans are unsecured, this means you won’t need to attach collateral to your application.

Medium Loans

Medium loans are for cash loans of a slightly higher value, between $2,001 and $4,600. A medium loan is usually repaid over a period of 9 to 24 months. As with a small loan, the repayments will be directly debited from your account during this period.

Medium loan amounts, in some situations, may be secured. This means you may be required to attach a car, motorbike or caravan as security against the loan. Our lending team, however, will let you know.

Large Loans

Need a bigger amount of cash to cover an expense? Large loans with Nifty are for cash up to the value of $5,000. Maybe you need some fast cash for the holiday budget, or maybe you need help with an urgent dental bill – a personal loan from Nifty could be the answer.

You may need to attach a car, motorbike, caravan or boat to your large loan application. If this is necessary, however, our team will be in touch!

How Can I Apply?

The good news is applying is the simple part! At Nifty, we pride ourselves on the ease of our application process. You could even apply from the comfort of your own home. Here’s how…

Step 1: To get started, scroll up to the top of the page and use our loan calculator to select your desired loan amount and the repayment period. When you’re happy just hit ‘apply now’ to start our 100% online application form.

Step 2: Our online application form could only take you a matter of minutes to complete. Once the form is submitted, our team will begin the assessment process. If you submit your application during regular AEST business hours we could even get back to you within 60-minutes.

Step 3: If your application for quick and easy loan approval is successful a member of our team will be in touch. We will send over a contract for you to review and sign. We encourage all applicants to read over their agreement.

It is very important you make yourself aware of any fees and charges that could be incurred if payment is made late or missed altogether. Once we receive your signed contract our team will transfer the funds straight to your account. Inter-bank transfer times may vary, however, we will do our best to get you the cash on the same day.

Can Nifty Help?

At Nifty, we’re proud of the fact we’ve helped thousands of Aussies get their hands on the fast credit they’re looking for. Below is a table of some common search terms that have lead borrowers to Nifty, as well as the loan products we have been able to approve them for.

Quick Loan Approval OnlineAmountApproved
Approval Cash Loan Online QuickAUD ($)800
Quick And Easy Loan ApprovalAUD ($)2,700
Quick Loan Approval Bad CreditAUD ($)4,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Want to read more? You could be eligible for a cosmetic surgery loan, IVF loan , secured personal loan , or even a loan for people on Centrelink.

 


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.

Read More

Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000

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)
EEstablishment 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

$5,000

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)
EEstablishment 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
EEstablishment 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.