One Hour Loans | Personal Loans Approved in 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?

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Unexpected bills
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Travel costs
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Medical bills
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Relocation expenses
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?

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.