Same Day Loans up to $10,000 | Fast Approvals Online
Need a same day loan?

If you need money fast, you’ve come to the right place. Whether it’s car repairs, emergency cash, or an unexpected bill, Nifty Loans has you covered. Applying online is easy and your application could be completed in minutes. Nifty offers loans fast from $2,500 to $10,000. We have flexible loan terms up to 24 months, and competitive rates for Aussies anywhere in Australia.

Why choose Nifty Loans?

Same day loans are easy with Nifty. We pride ourselves on being a trustworthy lender. We have exceptional customer service and our dedicated loan specialists are committed to providing fast approvals on loan applications. So you can rest assured that your small cash loan with Nifty will be a quick and easy process.

Our Happy Customers

Am I eligible?
  • Be 18 yeas old
  • Be an Australian citizen or permanent resident
  • Have internet banking;
  • Have an active mobile number and email address
  • Have been receiving a regular income for the last 90 days
What do I need to apply?
  • Personal details (name, address, D.O.B.)
  • 100 points of ID
  • The reason for your loan
  • Internet banking details
  • Employment details and contact info

Got questions about
our same day loans?

Take a look at some of our frequently asked questions for some more information about our same day loans.

What is a same day loan?

Same day loans are personal loans that are applied for, processed, and approved all on the same day. Typically same day lenders, like Nifty, operate 100% online so you can complete a quick and easy online application and you’ll know if your loan is approved within 60-minutes* from submission.

What can I use a same day loan for?

Here at Nifty, we know that everyone’s financial needs are different. So, there are a range of ways you can use your same day cash loan:

How quickly can I get a same day loan with Nifty?

Do you need money fast? If you apply during business hours, you could get your loan outcome in 60-minutes*. What’s more, if you have an NPP-enabled bank account, you could receive your cash in as little as 60-seconds** from approval.

Do you offer same day loans no credit check?

Here at Nifty, we’re committed to responsible lending. This means that we must make reasonable enquiries to ensure the loan suitability for our customers. In line with this, we may conduct a credit check. Rest assured, our loan specialists work tirelessly to ensure that all applicants are given a fair go. We’ll take into consideration your financial history, including read-only copies of your bank statements. So your assessment won’t solely depend on your credit score.

Can I get same day loans bad credit?

You sure can! When you apply for a loan with Nifty, our team will obtain a read-only copy of your bank statements to get a better idea of your current financial situation. From this, we’ll determine whether or not you can repay a personal loan. If we find that you can manage your loan repayments, even with bad credit, we may be able to provide you with a same day loan.

What are the fees and charges?

The fees and charges associated with your loan will vary depending on your financial situation and the amount you apply for. These factors will also affect the interest rate on your personal loan. For a detailed breakdown of the possible costs, visit our cost page.

Do you offer same day loans for Centrelink customers?

Here at Nifty, we view Centrelink payments as a source of income, unlike some lenders. We believe that Centrelink customers should still have the opportunity to apply for personal finance. While we can’t guarantee you’ll be approved as the decision will depend on your financial situation, you can rest assured that our experienced team of loan specialists will provide you with a fair and just assessment.

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.