- Market leading customer service
- 60-Second Transfers once approved3
- Fast Loan Outcomes1
- Simple & Easy Application
We're now becoming part of the award winning Jacaranda Finance group.
Here's what you can expect:
Bad credit loans in Australia, anywhere, any time
Here at Nifty Loans, we operate 100% online across Australia. This means you can apply for $2,100 to $15,000 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.
Need a bad credit personal loan?
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 on the same day*, making us one of the fastest lenders in Australia! Once approved, you could have your cash ready to use in 60-seconds**.
- Personal details (e.g. name, address, date of birth)
- 100 points of ID
- The reason for your loan
- Online banking details
- Be at least 18 years old
- Be an Australian citizen or permanent resident
- Have had a consistent income for the last 90 days
- Have an active email address and mobile phone number
Ready to apply?
You can apply for up to $15,000 within minutes!
Our Happy Customers
How Nifty can offer loans for people with bad credit
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 $15,000 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 on the same day* 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.
Can I get debt consolidation bad credit?
We offer debt consolidation loans, meaning that you could apply for a debt consolidation loan with bad credit.
How much do your bad credit loans cost?
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.
Do you conduct credit checks?
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.