Cash Loans for Centrelink Customers With Bad Credit | Up To $5,000 Fast!

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.

Nifty Cash Loans for Centrelink Customers With Bad Credit

At Nifty, we can provide cash loans for Centrelink customers with bad credit because we believe everyone deserves a fair go at finance. At the end of the day, we get it, sometimes life throws you a curve-ball. It is our belief that a mistake you made up to 7 years ago shouldn’t stop you from getting help!

Nifty Cash Loans for Centrelink Customers With Bad Credit

Cash loans for Centrelink customers with bad credit

We look to your present relationship with finances when assessing your loan application. So, whether you’re employed with a good credit score or on a pension with a bad credit history – we promise to treat everyone fairly. Sound too good to be true? Keep reading to find out more. 

Can people on Centrelink get loans?

Yes! Thanks to lenders like Nifty Loans, cash loans for Centrelink customers with bad credit are possible. Traditionally, accessing finance while receiving government benefits was notoriously difficult. Even these days it can still be tricky to get approved for a bank loan with Centrelink.

Fortunately, with Nifty, we may consider most Centrelink benefits as a valid source of income. Our biggest concern is whether or not you could afford to meet repayments on the loan you’re applying for. So, as long as you meet our eligibility criteria – you could be approved for a cash loan. Simple as that!

Can I get a cash loan with bad credit and no job?

Yes! It’s possible to get cash loans at Nifty even with bad credit and no job. At Nifty, we believe every Australian citizen has the right to access fast finance in their time of need. No two situations are the same. That’s why we look at other sources of income and investigate beyond your credit score when assessing your application.

If you’re still unsure whether you could be eligible for cash loans for Centrelink customers with bad credit, we recommend you apply anyway. It’s free to submit an application and we could have an answer for you in no time!

Centrelink
Employed
Bad Credit

What are instant cash loans for Centrelink customers? 

An instant loan is exactly what it sounds like, a form of finance where you can borrow funds very quickly. For Centrelink customers, accessing this kind of fast finance can be tricky as lenders tend to view them as higher risk. 

During hard times, everyone could use a helping hand – this is where we jump in! When financial mishaps become too hard to tackle, our personal loans can provide fast relief. 

When you apply for a personal loan with Nifty the entire process is hassle-free and 100% online. That means you don’t have to wait around for days for an outcome. Just fill out our application form with a few simple details and hit submit. We could have an outcome for you in a matter of minutes*! If you’re approved for a loan and your bank has NPP-enabled payments, the cash could even be in your account and ready to use in 60 seconds!

It might sound too good to be true, but yes, you can get cash loans as quickly as that!

*subject to AEST business hours.

Who is eligible?

To access the loan services that we offer, you will need to meet the following eligibility criteria:

  • You are over the age of 18
  • Hold an active email address and phone number
  • Are a permanent resident or an Australian citizen
  • Receiving a regular income (evidence of regular payments into your account over the past 3 months)

Why choose us?

Time is money, and we aren’t in favour of letting it go to waste. The moment you send in your application, our team will get to work assessing it. If you apply with us during our regular business hours, we could provide you with an outcome in under 60 minutes.

Yet, that’s not the only benefit to applying with Nifty. There are endless perks, including:

  • A fresh approach to your credit history
  • Various loan options
  • Flexible, quick, and secure processing
  • No paperwork
  • 100% transparency concerning all fees and charges

If your application is approved, you could even get up to $5,000 cash today thanks to instant bank transfers.* 

Apply now!

If you need a financial boost, don’t wait! Nifty can provide simple cash loans for Centrelink customers with bad credit. Scroll up now to get started on your application today!

Still have a few questions? Don’t stress, shoot through a message to our friendly team and we’ll do our best to help in any way we can.

*Only available for NPP enabled bank accounts

We don’t stop there

No matter what the occasion is, Nifty has your back.

Our Happy Customers

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts: $300 - $2,000
Terms: 6 - 9 months
Establishment fee: 20%
Monthly Fee: 4%
APR: N / A *
Comparison Rate: 138.37%**
View Example

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
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts: $2,001 - $4,600
Terms: 9 - 24 months
Establishment fee: $400
Monthly Fee: $0
APR: 47.8%
Comparison Rate: 65.86%**
View Example

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
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan Example

Loan amounts: $5,000
Terms: 18 months,
(78 weekly repayments)
Establishment fee and Total Interest: $1,897.54
Total payable: $6,897.54
Weekly installments: $88.43
View Loan Details
* 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.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts: $300 - $2,000
Terms: 6 - 9 months
Establishment fee: 20%
Monthly Fee: 4%
APR: N / A *
Comparison Rate: 138.37%**
View Example

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
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts: $2,001 - $4,600
Terms: 9 - 24 months
Establishment fee: $400
Monthly Fee: $0
APR: 47.8%
Comparison Rate: 65.86%**
View Example

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
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan Example

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