One Hour Loans

Nifty Loans offers personal loans from $2,500 to $10,000, 100% online. We are one of Australia’s fastest-growing lenders and often approve applications within just one hour.

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!*

I want to borrow $5,000

Apply Now

4.8/5 200+ reviews

Nifty Loans offers personal loans from $2,500 to $10,000, 100% online. We are one of Australia’s fastest-growing lenders and often approve applications within just one hour.

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!*

Emergency cash loans in one hour

Nifty Loans is an online lender. This allows us to specialise in delivering fast loan outcomes and efficient service. Nifty Loans offers personal loans from $2,500 to $10,000; we may be able to approve your loan within just 60-minutes*. We support instant transfers on approval, so the cash could be in your account within just 60-seconds of approval**.

If you are searching for a quick payday loan, Nifty Loans may be able to provide you with a short term loan to cover your unexpected expenses. Whether you require urgent cash for a vet bill or an unexpected travel cost, Nifty Loans provides fast cash loans to Australians in need of short term finance.

What is a one hour loan?

A one hour cash loan is a personal loan delivered within just 60-minutes. Nifty Loans often delivers loan outcomes within just one-hour* to eligible borrowers that apply within our business hours. We offer quick loans from $2,500 to $10,000 for a variety of expenses. There are two types of personal loans that we offer: medium loans and large loans.

Loan type	Security	Loan amount	Repayment schedule
Medium loan	Unsecured or Secured	$2,500 to $4,600	9 to 24 months
Large loan	Secured	$5,000 to $10,000	9 to 24 months

What can I use one hour quick cash loan for?

Unexpected bills

Travel costs

Medical bills

Dental expenses

Car repairs

Relocation expenses

White goods

How to apply for emergency cash loans in 1 hour

Applying for a one hour payday loan with Nifty Loans is simple and easy with our online application form. Within just a few minutes, you could submit your application for an online loan; you could hear back from us within 60-minutes*. We also deliver instant transfers on approval, so the money could be in your account in just 60-seconds**. When you need cash in one hour, Nifty Loans may be the lender for you. Follow these simple steps to apply:

Eligibility criteria

We have standard eligibility criteria all of our applicants must meet. To ensure that your loan application can be processed, please ensure that you meet the following criteria before you apply:

You are at least 18 years old
You are an Australian citizen or Australian permanent resident
You have had consistent income into your personal bank account for at least 90 days
You have an active mobile phone number and email address
You have internet banking set up

Supporting documents

We do not require copies of your physical paperwork, but we must still receive digital copies of your supporting documents along with your application. To ensure we can deliver the fastest possible loan outcome, please ensure you supply your supporting documents when you submit your application:

100 points of I.D.
Your basic personal information (name, date of birth, address etc.)
Contact details
Your online banking and employment details
The reason for your loan

One hour loan with bad credit

If you have been searching for ‘one hour loans no credit check’, it is likely that you have a poor credit history. While we cannot offer loans without a credit check, we can offer loans for bad credit.

Nifty Loans is an online lender, which allows us to be more lenient in our credit requirements than traditional lenders like banks. A traditional loan, like a bank loan, is often not an option for a person with bad credit. However, Nifty Loans offers bad credit loans to eligible borrowers that meet our lending criteria.

We conduct a thorough financial analysis of all of our loan applicants to ensure that they can afford their loan repayments. If we find that an applicant can afford their loan, even with bad credit, we may be able to provide them with a loan.

Frequently Asked Questions

How much can I borrow?

You can apply to borrow any amount from $2,500 to $10,000. Our assessment team will determine your affordability and your repayment terms will vary depending on how much you borrow.

Why do you need my online banking details?

We use a bank statement service to access read-only copies of your bank statements as a part of our financial assessment. We will analyse your income and expenses to ensure that a loan is currently affordable for you.

Can I get one hour payday loans online if I receive Centrelink benefits?

We consider most forms of Centrelink income as regular income. If you have been receiving your government benefits for at least 90 days and meet our other eligibility criteria, we may be able to provide you with a one-hour loan.

How do I pay back my loan?

We will set up a direct debit in line with your pay cycle. You will repay your loan through automatic direct debits on this selected day. When your loan has been paid off in full, your payments will stop.

Ready to Apply?