Cash Loans For Bad Credit Up To $10,000. Apply Now!

Ever find yourself in need of some quick cash? Your finances will be cooking away nicely until unexpected expenses hit and desolate all your hard work. That’s when you can turn to Nifty Loans. When you shout “whoops”, you can count on Nifty to offer cash loans for bad credit.

Are you worried about your credit? Don’t be. Trust us, we’ve seen it all and we want to give all Aussies a fair go when applying for finance, bad credit and all. That’s why we offer cash loans for bad credit. But, before we get into the nitty-gritty of our lending service, we’d better introduce ourselves.

About Nifty Loans

We are a neo-lender that specialises in quick finance when you need it most. We want to give anyone a chance to apply for a loan, without the hassle of jumping through hoops. We certainly don’t want the headache of a lengthy loan process, so that’s why we offer a quick application process, deliver fast outcomes and, if approved, can transfer cash straight to your bank. That’s cash in your pocket, quickly!

We can offer all kinds of loans, big and small! If you’re looking for something with a little more punch, you can opt for our larger secured loans, from $5,000 to $10,000. The repayment period will depend on the loan amount.

So, whether you’re after something small, or a larger sum to cover expenses or fund your next holiday, Nifty Loans could be the perfect answer!

What are bad credit loans?

If you have bad credit, you may find yourself typing “24/7 instant cash loans for bad credit” into Google. It’s a common search. And we’ve listened. That’s why we offer loans to people with poor credit.

But, what are loans for bad credit, you may ask? Well, they’re simply personal loans ranging between $2,500 to $10,000. The payments and repayment period depend on the amount you choose to borrow. Luckily, at Nifty, we don’t like suspense, so you can find out your payments and repayment period from our loan calculator. Simply scroll up to find our loan calculator. Easy, right?

Who is eligible to apply?

Nifty Loans aims to give everyone a fair go at applying for quick finance. However, we do have a few requirements to meet before you can apply for a loan. You must be:

  • Over 18 years old
  • An Australian citizen or permanent resident
  • Receiving a regular income into a personal bank account for at least the past 3 months
  • Have an active phone number and email address

And that’s it! Just four little requirements. Nothing too scary, right? Before you apply, simply check off these requirements and you’re ready to go.

What should you have handy when applying?

We want to make borrowing cash, easy. That’s why you can complete our online application in minutes! But before you begin, have these details handy to really breeze through your application:

  • Personal contact details
  • Reason for your loan
  • Bank account details
  • MyGov details (if applicable)
  • Employment info

If you have this information close by, you should fly through your application. If you have any questions about our application and what you need, don’t hesitate to email our friendly team of loan specialists at We care about your data and want to keep it safe.

That’s it! Just three simple steps and you could be approved for cash loans for bad credit. We like to think we’re pretty speedy! We’ve designed a loan process that strives to provide easy finance for Aussies when they need it most. So, what are you waiting for? Scroll up and apply today!

No hidden costs!

When applying for a loan, all the possible costs will be in your loan contract. We are 100% transparent about our loan costs. Our costs do differ depending on the amount you decide to borrow. So, to check out some of our costs, you can find some examples at the bottom of the page for the following types of loans:

  • For medium secured loans from $2,500 to $4,600
  • For large secured loans from $5,000 to $10,000

Other fees and charges may be payable. 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. Feel free to contact our team if you have any questions.

To secure or not to secure

At Nifty Loans, we offer both unsecured and secured personal loans. If you’re after a loan above $2,500, then you can provide equity to your application, such as a car, motorbike, caravan or boat. So, whether you’re after something a little casual or a slightly heftier investment, just scroll up and apply for a Nifty loan today.

Headache-free repayments!

With Nifty Loans, there’s no need to stress about your repayments. If you’re approved, and you accept your loan contract, we will set up a direct debit with your nominated bank account. In short, this means that your repayments will be deducted from your account automatically! That’s right. No need to set up hundreds of reminders, only to forget to make your repayments. Just make sure you have enough funds in your account to meet your repayment, and that’s all! Don’t mess around with complicated repayments, apply with Nifty for automated bliss.

No paperwork

We think that if we’re going to offer an easy application, it cannot possibly involve paperwork. That’s why our application is 100% paperwork free! How does this work, you may ask? Well, to assess your application, we use the latest in safe banking technology. We’re able to access a read-only copy of your bank statements and expenses to help assess whether you are suitable for a loan. So, no need to start yelling at your printer or begin suffering from hand cramps. Just apply for our no paperwork loans instead!

Frequently Asked Questions

Do we perform credit checks on bad credit cash loans?

The short answer is yes, we do. However, if you have bad credit that may not be the end of your story. While we do perform credit checks, we look at more than just your credit score. Our expert assessors will look at other factors to get a better understanding of your current relationship with money.

How do we offer cash loans for bad credit?

Well, firstly because we want to give Aussies a chance to apply for quick, easy loans. Now, how we do it is even simpler. Our team of loan specialists simply look at your current income and expenses, rather than just your credit score. Don’t let the fact that we perform credit checks deter you from applying for cash loans for bad credit. We look at your current relationship with money and assess whether you can afford to repay your loan. That’s it! Nothing complicated.

Do we offer bad credit cash loans for Centrelink customers?

Yes, we do! We offer cash loans for Centrelink customer with bad credit. It’s a mouthful, isn’t it? Well, we’re here to simplify things. If you’re receiving Centrelink payments, then you may have been knocked back for finance before. If so, have a go with Nifty! We classify Centrelink as regular income if you’ve been receiving the payments for at least 3 months. That’s Nifty! So, apply for cash loans for Centrelink customers with bad credit up to $10,000 today.

What other kinds of personal loans do we offer?

You know we offer cash loans for bad credit, but that’s not all. We have a myriad of loans on offer, such as:

And the list could go on. We offer all kinds of loans, and most importantly, they’re all fast and assessed by the expert Nifty team. So, if you’re in need of some quick cash for a holiday, car repair, medical bills or something else, just scroll up and apply today.

Let’s be friends

So, if you have bad credit and you’re looking for cash loans, you’re in luck!

We may be 100% online, but behind the screen, we have a team of friendly customer service experts on hand to answer any of your enquiries. So, if you have questions you can give us a call on 1300 471 328 or send an email to

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

Wondering how much money you can borrow? Read more.

No fuss, no paperwork. Just nifty loans.

Personal Loan Details

Loan Amounts $5,000 – $15,000
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.