Bad Credit Personal Loans with Nifty Finance – Apply now
Need some fast finance? We're here to help.
WARNING: Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
- For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
- Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
- If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments
The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009
To be eligible for a Nifty loan you must:
- receive a regular income which is paid into your bank account for at least 3 months;
- receive at least $400 per week or $800 per fortnight from an employer or Centrelink;
- you must not have received a Centrelink Emergency payment within the last 3 months;
- not be in financial hardship, dealing with a financial councillor or be considering entering any form of bankruptcy;
- you must show evidence of being able to handle financial commitments on your bank statements (regular payments, direct debits, etc.).
Bad credit personal loans with Nifty Finance – Apply now
When you’re in the market for a small personal loan with bad credit, you’ll find pretty fast that there are a lot of gimmicks out there – from guaranteed approval, to instant decision – our competition will even say that they offer cash into your account instantly.
Stop wasting your time with sales pitches and apply now for up to $1000 with Nifty Finance!
Why choose Nifty for bad credit personal loans?
At Nifty Personal Loans we have taken the time to figure out what you need when borrowing money:
- No credit checks
- Lower fees
- Fast responses to your application; and
- To discuss your unique situation with real people so that you get the loan that is right for you – right when you need it.
Not only have we figured these out – but better yet, this is what we offer each of our customers on each of their loans.
Bad Credit Personal Loans – No credit checks – Ever!
People don’t mean to get themselves into financial hardship – no one wants to have bad credit and unless you’re hiding a really awesome super power – we assume that humans can’t predict the future on unexpected bills.
Because of this, we think not doing credit checks is just common sense.
Instead, Nifty Personal Loans uses the last 90 days of statements and a Centrelink income statement if you have one. That’s it! Importantly, if your recent financial history shows that you can support your loan then we will happily set one up for you!
Lower costs are a guarantee
At Nifty, we can approve your low cost personal loan even if you have a bad credit history. How you may ask?
Firstly, Nifty Bad Credit Personal Loans does not charge interest. Not on any of our loans. Not for any of our customers.
Secondly, we will tell you up front exactly how much your loan will cost. There are no hidden fees and no unexpected charges, even if you choose to pay your loan out early.
Finally, even our routine monthly fees will save you money. Unlike our competitor fees which are upwards of 4%, our monthly 3% fees will save you 25% every month on your loan.
Fast response to your application
Because your time is precious, Nifty Personal Loans aims to respond to your application within 60 minutes. To help this process, we encourage you to submit your application during business hours 8am to 6pm Monday to Friday and ensure that all the required information is complete and accurate.
Importantly, we may also need to speak to you on the phone or via email to confirm a few details. Make sure you have your phone near you – so that we can reach you easily.
Talk to a person and get the right loan
Nifty Personal Loans is a responsible lender. This simply means that we are committed to approving the small cash loan that is right for you. Even if you are struggling with a bad credit history.
To achieve this, we will look at your information thoroughly and listen to you carefully – there is no silly question or detail that is too small.
We offer bad credit personal loans of $50-$1000 that can be repaid over 3-6 months – so we have the capacity to tailor a loan that is exactly perfect.
Quite frankly you should not have to accept anything less.
Let’s do this!
TO QUALIFY FOR A NIFTY PERSONAL LOAN – YOU ARE:
At least 18 years of age.
An Australian Citizen or Permanent Resident.
A recipient of a regular income into a personal bank account.
Receiving at least $400 per week or $800 per fortnight from an employer or Centrelink.
Here’s how our fast personal loans work
Loan Amounts: Minimum $50 to Maximum $1,000.
Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 3%. Under the current legislation Nifty Personal Loans does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).
Terms: Minimum 9 weeks to Maximum 24 weeks.
Example: Loan Amount of $500 over 10 weeks repayable weekly $500 (Principle Amount)+ $100 (20% Establishment Fee) + $45 (fees based on 3% per month over 10 weeks) = $645 total repayable in 10 weekly installments of $64.50.
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