Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts
Piggy Bank

Cash in your bank within 60 seconds of approval*

- It's possible with Nifty.

Tell me more!

*Only available for NPP enabled bank accounts

24/7 Instant Cash Loans For Bad Credit

24 7 instant cash loans for bad credit

Get 24/7 Instant Cash Loans For Bad Credit

Do you have a bad credit score, but you need instant cash to cover a sudden expense?

Maybe you need a root canal immediately or have an unexpected bill pop up. You didn’t plan for either of these. In this situation, you need instant cash on your terms.

Don’t worry! Nifty Personal Loans can help you navigate through a stressful, financially challenge smoothly. We can help you take out an instant cash loan regardless of your credit history. We have helped thousands of customers across Australia in the past and we can help you too.

No credit check, online application, and instant loan approval – All these mean you get the cash you want as soon as possible.

Our application process is open 24/7. So you can apply for a loan even outside of regular business hours. In this case, we will approve and transfer the loan amount on the next business day.

Can I get emergency cash fast?

Yes, you can. We have put our best to ensure that you go through an easy and streamlined process for loan application. You can apply for cash 100% online and get the funds instantly in your bank account. You only need to provide us with your details to fill in our online application form. Filling out our application form takes only a few minutes, and you will receive instant cash in your bank account.

Nifty Personal Loans accompanies you through an unexpected financial emergency. We provide emergency cash fast in a hassle-free manner and without involving any long waiting hours.

So you don’t need to waste your time searching for a suitable lender who can provide you with instant cash. Believe in Nifty Personal Loans to get immediate emergency cash the same day, without any fuss. You can apply for the loan from the comfort of your home with coffee in your hand.

Many people think that they can’t apply for credit because they are receiving Centrelink payments. It is not the case anymore. Nowadays, in the competitive era, more lenders are accepting those with Centrelink as their income source, to stay ahead of the competition. It has opened the door to opportunities for customers who want to borrow but have a bad credit rating. Here, at Nifty Personal Loans, we take pride in our services that meet customers’ needs. So contact us now and get an instant cash loan while receiving regular Centrelink payments.

Be focused on what matters to you because we will focus on getting you the required amount of money you need today.

Where can I borrow money instantly?

Nifty Personal Loans allow you to access fast cash. We are one of Australia’s most trusted lenders who can help you tackle your temporary and sudden financial needs easily without any hassle. Our 100% online process to get your loan approved is simple, easy, and fast. We provide both secured and unsecured loans that suit your preferences. 

Being an online loan provider, we provide loan application outcomes in the shortest turnaround time possible. We strive to provide instant loans on the same day. It means if you apply for a loan within business hours and meet our eligibility requirements, then you may take out the cash on the same day.

For small loans, we charge establishment fee as 20% and monthly charges as 4% of the loan principal amount. For medium loans, establishment fee is $400 with no monthly fee. The annual percentage rate for medium loans is 47.8% of the loan principal. The establishment fee varies for large loans, and there is no monthly fee for such loans. For large loans, you pay a 21.24% annual percentage rate.

You can pay back the instant cash loan in a timely manner. Fortunately, at Nifty Personal Loans, you get massive flexibility in terms of loan repayment that keeps you at ease. You don’t have to pay manually because our processing is entirely automated. Only make sure that you have the correct and sufficient amount of money in your bank account at the time of repayment.

We make everything transparent, and there is no surprising fee involved. We will notify of important updates related to your loan and our services regularly by sending you an email.

Can I get an emergency loan with bad credit?

Yes, you can get an emergency loan even if you have a bad credit rating. Many lenders facilitate customers with instant cash without checking their credit reports. And we are one of them. On top of that, we make the process very easy and fast for you.

Simply log on to our official website, enter your detail in the online application form, and you are done. Though a high credit rating makes credibility without a second thought, you don’t have to worry about it with us.

Since Nifty Personal Loans focuses mainly on your ability to repay the loan, we accept your application even if you are receiving income from Centrelink. We strive to deliver the most convenient and satisfactory outcome to our clients according to their circumstances and personal needs.

Which company is best for bad credit?

We believe that bad credit can result from any unfavourable situation in the past. Bad credit history should not stop you from getting an instant loan when emergencies arrive.

Many lenders first look at the credit score of the potential borrower to determine their eligibility for the loan. But we understand that your credit rating should not be the only criteria.

We look forward to the future and how you can repay the loan. We take a look at your current earning to judge your ability to pay off the loan on time. You don’t have to be stressed if you apply for a loan with Nifty Personal Loans.

Apply for 24/7 Instant Cash Loans For Bad Credit

What are you waiting for? Log on to our website, enter your detail, and click on the Apply Now button.

We will solve your cash flow problems with instant cash loans, even if you are receiving Centrelink.

Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount:$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
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan 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
* 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.

Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount:$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
Large Loans

Large Loans

$5,000

Loan amount:$5,000
Terms:9 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
View Example

Large Loan 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

* 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.

We don’t stop there

No matter what the occasion is, Nifty has your back.