Here at Nifty Loans, we operate 100% online across Australia. This means you can apply for $2,500 to $10,000 anywhere, any time. We are proudly Australian owned and operated. We exist for one simple purpose: to make accessing short term loans quick and easy for everyone! Whether you have good credit or poor credit, apply for a loan with Nifty Loans for a fair go.
Getting a loan with bad credit history can be difficult. Thankfully, Nifty Loans looks past a bad credit rating when assessing personal loan applications. We look at other factors to determine whether one of our personal loans for bad credit is suitable for you.
We endeavour to deliver our outcomes within 60-minutes*, making us one of the fastest lenders in Australia! Once approved, you could have your cash ready to use in 60-seconds**.
You can apply for up to $10,000 within minutes!
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The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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.
Nifty Loans believes that a credit score doesn’t always tell us everything we need to know. We offer cash loans bad credit up to $10,000 for when you need cash and don’t have time to wait. We’re fast, we’re fair, and we’re ready to help you.
We developed our own advanced loan processing engine, with our customers’ needs first in mind, so that we could provide fair loans to everyone, no matter their credit score.
Not only do we process loans quickly, but we deliver them quickly too. Our team aims to process all loan applications within 60-minutes* and if you have an NPP-enabled bank account, which is 90% of bank accounts, you will have your cash in your bank account in 60-seconds**.
We are completely Australian owned and operated. Our team is based in Brisbane, Australia, so we understand your needs. If you need a hand with anything, our customer service team is ready to speak with you on the phone.
We operate 100% online, which means there’s no need for paperwork or long waiting times. You can apply whenever you need cash fast without the hassle of old-fashioned application forms. We developed our application to be as simple and easy as possible.
We offer debt consolidation loans, meaning that you could apply for a debt consolidation loan with bad credit.
You can obtain a disclosure document called a credit guide with all fees and charges applicable to your personal loan. In addition, the fees and charges on our loans will be made clear and transparent to you in your loan contract — there are no hidden fees! However, some fees and charges you might expect include interest, monthly fees, establishment fees, and late fees (if applicable). Your interest rate may be influenced by your current credit score.
Yes! Nifty Loans is a responsible lender — this means we may conduct a credit check on your applications. However, we put more emphasis on your current financial situation. If you currently have the ability to manage a loan, we might be able to provide you with an online loan.
| Loan Amounts | $5,000 – $10,000 |
|---|---|
| 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.
