Bad Credit Loans Australia Guaranteed Approval: Do They Really Exist?

bad credit loans australia guaranteed approval

When you’re in need of some quick cash, you may find yourself searching for “bad credit loans Australia guaranteed approval” or “quick cash loans for bad credit” online. Here at Nifty Loans, we know that when time and cash are tight and your breathing room is running out, all you’re really looking for is quick cash to relieve some pressure.

It’s time to stop searching for poor credit loans Australia guaranteed approval and start your application with Nifty Loans. Here’s why:

We offer quick cash loans for all types of credit history – the good, the bad and the ugly! We cannot offer bad credit loans Australia guaranteed approval. However, we do guarantee that our team of loan specialists will do their best to approve your application. You can apply for cash loans for bad credit of up to $5,000 and the repayment period depends on the amount you choose to borrow. However, before you dive into the nitty-gritty of our lending service, you should know a little bit more about Nifty Loans!

Finding a lender you can trust

We are an online, short-term lender that is committed to helping Aussies apply for cash when they need it. So, whether you’re looking for no credit check loans guaranteed Australia or bad credit personal loans guaranteed approval Australia – Nifty Loans has your back. We provide personal loans from $300 to $5,000 with repayment periods that vary depending on the amount you’ve applied for. As a responsible lender, we cannot provide guaranteed approval on your application, however, we can guarantee a fair go if you’re searching for bad credit loans or no credit check loans.

We cater to all Aussies who are looking for some fast cash. That includes customers with bad credit and those who receive Centrelink. So, if you’re urgently typing “bad credit loans Australia guaranteed approval” into Google, we may be able to help. However, we must note that we cannot guarantee approval before assessing your application, as we adhere to responsible lending practices.

Our team of loan specialists will always do their best to help by giving your application a fair assessment, regardless of your financial situation. So, if you’re ready to apply for cash loans for bad credit, just scroll up and fill out the loan calculator form to get started.

What are loans for bad credit customers?

We can find loans for bad credit of $2,000 and below, these are considered unsecured small loans and can be repaid over a 3 to 6 month period. If you opt for a larger loan amount – any loans above $2,000 – you’ll have a longer repayment period of 13 to 24 months. These larger loans must be secured by equity, such as a motorbike, car, boat or caravan.

If you’re looking for bad credit loans Australia guaranteed approval, you can apply for cash loans for bad credit online, right now. Our loan application is online and always open for business. Of course, our hard-working assessors need their beauty sleep, so if you apply outside of business hours, they’ll get to your application by the next business day.

You can complete a Nifty Loans application for bad credit customers in just a few minutes. So, if you’re searching for guaranteed approval loans for bad credit applications, with smart and quick results, Nifty Loans is the right place for you. We may not offer guaranteed loans no matter what, however, we do offer every Nifty applicant a fair go at finance, whether they have bad credit, looking for no credit check loans guaranteed Australia, or receive Centrelink. Nifty Loans has your back when you need loan outcomes most.

Completing our application could only take you a few minutes, so why not start right now? Just scroll up to begin.

What about guaranteed approval?

When you find yourself searching for ‘bad credit loans Australia guaranteed approval’ or ‘guaranteed loans no matter what’, apply with Nifty Loans – we’re ready to give every Aussie a fair go and fast outcomes.

When expenses are tight and you need cash fast, you may find yourself looking for bad credit loans Australia guaranteed approval. You may crave that peace of mind, knowing you have guaranteed approval for the cash you need. At Nifty Loans, we understand. However, as responsible lenders, we cannot offer guaranteed approval.

Don’t let this get you down, though. When you’re looking for bad credit loans Australia guaranteed approval, you’re probably looking for a lender who understands that life doesn’t always go to plan. You can always trust our commitment to conduct a fair and thorough assessment of your application so we can determine how best to help. Rest assured, we will never approve anyone for a loan they cannot afford to repay.

When you’re hit with the regular windfall of bills, and then your car – the staple of your busy life – breaks down, there can be very little room in your budget for car repairs. If you decide that a personal loan is the best option for you at the time, Nifty may be able to help you get back on the road in no time at all.

Who is eligible to apply for a loan?

When applying with us, there are a few eligibility requirements you must meet. Before you apply, make sure that you are:

  • Over 18 years old;
  • An Australian citizen or permanent resident;
  • Receiving a regular income into a personal account for at least 3 months prior to applying;
  • Able to provide an active mobile number and email address;

That’s it! Nothing too drastic, just four basic requirements to meet. After you check off these requirements, you’re ready to apply with Nifty.

What you need handy when you apply

When you’re searching for bad credit loans Australia guaranteed approval, it’s good to know what you need before you apply. Our application is 100% online, so there’s no need to groan at the prospect of having to use your scanner or suffer hand cramps after filling out piles of forms.

To breeze through your online application, simply have these details handy:

  • Personal contact details e.g. mobile number and email address;
  • The reason for your loan;
  • Internet banking details;
  • MyGov info (if applicable);
  • Employment details.

Having these details handy will save you time when you come to fill out your application. So, just sit back, brew yourself a cozy cuppa and take a few minutes to fill out an application.

How to apply

Although we can’t offer bad credit loans Australia guaranteed approval, we can try to help you with the bad credit part. All loan approvals are subject to a fair assessment of each individual application. However, we like to look at the bigger picture – i.e. your current financial situation – rather than solely relying on your credit score to determine your eligibility for a loan.

Applying for poor credit finance just takes a few minutes. We know that when you need cash, you need it fast. That’s why when you apply with Nifty, you can complete our fast application in just a few minutes. After you submit your application, your work is done!

To apply follow these three easy steps:

Step 1: You apply online

Applying online could only take a few minutes and your application will be completely paperwork free!

To get started, just scroll up and fill out our loan calculator. Firstly, select how much you wish to borrow and for how long. We’ll then show you how much your weekly, fortnightly or monthly repayments will be for that amount and repayment period.

Once you are happy with your loan terms, click the Apply button and then you just need to submit a few more details. Easy, right? Did we mention it’s 100% online? This means you can complete an application from the comfort of your living room, or on the go!

Step 2: We assess your application

After you submit your application, our team of loan specialists get to work assessing your application. All you need to do is get back to what you do best! Our team will aim to have an outcome within 60 minutes (if you apply during business hours). Timing will depend on whether our team needs any extra to assess your application. Just sit tight and keep an eye on your phone and email. We’ll get in touch as soon as we can.

Step 3: Cash straight to your bank

If we approve your application, we’ll send over an electronic contract for you to review and accept (if you’re happy, of course). Once you have accepted the terms of your contract, we’ll schedule your cash for transfer. That’s cash straight to your pocket. Access to funds is subject to inter-bank transfer times. Most of our clients receive the funds within 24 hours (or the following business day). Some even get theirs the same day they were approved. Either way, it’s quick!

That’s it! Just three simple steps and you’ve applied for the cash you need. Our team works fast because we know that emergencies aren’t planned, nor do they wait for anyone. We work to give you the cash you need to help get your finances back on the straight and narrow. So, if you’re looking for poor credit Australia guaranteed approval, we’ll do our best to help.

What Costs are Included?

When you think short-term lending, your mind may conjure images of shady shopfronts and flickering neon signs reading “bad credit loans Australia guaranteed approval” or “bad credit cash loans guaranteed approval.” Nifty Loans is here to change that persona. We think that short-term lending can be a viable option for those Aussies who need access to quick cash and don’t want the fuss of a big bank. We also want to be 100% transparent about our loan costs and fees, so there are no surprises during your loan term.

The actual cost of your loan is subject to an individual assessment of your application, the loan amount you applied for and your repayment terms. However, the exact costs will always be listed on your contract before you sign. However, before you apply for a loan, you can also find some examples of our basic costs at the bottom of this page for the following loan types:

Title LoansLoan AmountApproved

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

Unfortunately, if you fail to make a repayment without notifying us of any changes in your situation, additional fees may be added to the balance of the loan. Other payable fees and charges may also apply. If you have any questions regarding the charges and fees associated with your loan, please don’t hesitate to get in contact with our team.

Repay your loan with ease

After you’re approved, the next step is repaying your loan! Lucky with Nifty, you can repay your loan with ease. After we approve your loan, we set up a direct debit with a nominated bank account and your repayments will be deducted automatically! It’s that easy – all you have to do is keep track of your repayments and make sure you have enough moolah in your account. No need to schedule hundreds of reminders, only to forget to send off the cash. Repay your loan without the added stress of complicated repayments.

Do we conduct credit checks?

If you’re searching for ‘no credit check loans guaranteed’, then you may have experienced difficulty when applying for finance you need. You may have bad credit, or nervous about your loan approval. When you apply with Nifty Loans, we cannot guarantee approval, however, we’ll always give Aussies a fair go at the loan they need. By looking at more than just your credit score, and assessing your income, expenses, etc, our team is able to provide a fair assessment for every Nifty applicant.

We do conduct credit checks on applications. However, your credit score isn’t the only thing we are concerned with. Our team also examines your current relationship with money. That’s why we ask for your internet banking details, so we can pull read-only copies your bank statements. Don’t let the fact that we conduct credit checks deter you from applying. We believe in second chances and that’s why we accept all eligible Aussies, even if they have bad credit. So, have bad credit? Apply today for cash loans for bad credit.

Do we offer cash loans for people on Centrelink?

Yes, we do! If you’re receiving Centrelink payments for whatever reason, you may have been previously knocked back for finance. Well, we’re glad you found us! For the most part, we classify most Centrelink payments as regular income if you’ve been receiving payments for at least 3 months. So, don’t let the fact that you’re receiving Centrelink stop you from applying for cash loans. We offer cash loans for people on Centrelink because one thing shouldn’t define your entire application.

Painless lending

When you’re looking for bad credit personal loans guaranteed approval Australia or bad credit cash loans guaranteed approval, the last thing you need is a painful application. At Nifty Loans, we, unfortunately, cannot guarantee approval, however, we do offer painless online applications. Our team is also committed to giving every applicant a fair go, no matter their credit score. We will always conduct a thorough assessment of your income, expenses and current relationship to see if we can offer a suitable loan product.

Therefore if you’re looking for guaranteed approval loans for bad credit applications, you’re welcome to apply with Nifty Loans – we’re ready to give you the fair go you deserve.

When you apply with Nifty, there’s no need to jump through pointless hoops. Instead, travel through a streamlined tunnel to handy pocket cash. Here’s how we deliver a headache-free ending:

100% online

Our lending service is 100% online. Our application, customer service and money transfers are all completed electronically. There’s no need to waste your valuable time in endless lines and pointless meetings. So, whether you’re filling out your application on your lunch break or snuggled into your favourite armchair, Nifty is always there for you.

Zero paperwork

At Nifty, we try to think of everything. That includes the trees. So, our application is 100% online and paperwork free! All you need to do is send us a few details and we’ll find the info we need to assess your applications. No paper required!

Quick assessing

We know that time is of the essence when emergencies strike. So, our team works hard to deliver 60-minute turnarounds if you apply during business hours. If you need to apply outside of business hours, that’s fine! Our team will work on your application by the next business day.

No joining fees

In a world of handling and booking fees, it’s hard to believe that an online service is free to use. Well, Nifty is different. There are no nasty fees to apply with Nifty. You only start paying after your loan is approved and you receive your cash. If you want to know more about our costs, visit our page.

Let’s be friends

So if you have bad credit we can help. We cannot offer guaranteed approval, but we’ll do our best to help Aussies find accessible finance. So, don’t sweat bad your credit or Centrelink payments, apply today.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter, Google + and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Want to know more? Nifty investigates loans comparison.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

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

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

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

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
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.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews



- james


Types of loans