Emergency Cash Loans No Credit Check | Nifty Loans
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Looking for emergency loans with no credit check?

Are you in need of emergency cash immediately? If you have a bad credit rating, you may be searching for ‘emergency cash loans no credit check’. Do these really exist? And are they safe? At Nifty Loans, we must legally conduct credit checks on all of our applications due to our commitment to responsible lending, so we cannot provide cash loans with no credit check. However, don’t let this deter you.

We still provide fast cash loans with bad credit. Your credit score will only be a factor in your application, so we may still be able to provide you with a loan to suit you.

What are ‘emergency cash loans no credit check’?

‘Emergency cash loans no credit checks’ are personal loans provided without the lender conducting a credit check prior to approval. It is a legal requirement for all lenders to conduct a credit check on their applicants before supplying them with a loan. At Nifty, we conduct credit checks on all of our applications, abiding by these obligations and ensuring that we will never lend anyone money if they cannot reasonably repay their loan.

Responsible Lending

At Nifty, we take responsible lending very seriously. We will only lend money to people who we believe have the means to repay their loan with reasonable comfort and ease. We wish to promote financial health and wellbeing. We don’t want you to have financial stress, we want you to escape it. So, you can rest assured that we will always thoroughly assess your financial situation before deciding whether a personal loan is right for you.

Types of emergencies

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Medical expenses
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Unexpected bills or expenses
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Car repairs
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Vet bills
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Funeral costs
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Home repairs or damage
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Broken appliances
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Emergency trips

What do I need to apply for an emergency cash loan?

Eligibility requirements

To apply for a loan with Nifty, please first ensure that you meet the following requirements:

  • You are at least 18 years old
  • You are an Australian citizen or Permanent Resident
  • You have had a consistent income for the last 90 days
  • You have an active email address and mobile phone number
  • You have internet banking set up
Documents required

Now that you know whether you are eligible, in order to fast track your application, please ensure that you have the following documents available when you apply. We will need:

  • 100 points of identification
  • Your basic personal information (name, D.O.B, address etc.)
  • Online banking login details (so we can access read-only copies of your bank statements)
  • The reason for your loan application
  • Your myGov details (if you receive Centrelink benefits)

Ready to apply?

Are you ready to apply for your quick loan with Nifty? Follow these easy steps and use our 100% online application form to get started.

Step 1: Apply online

Simply scroll up and use our loan slider to select your desired loan amount and when you’re happy, hit ‘Apply Now’ and fill out the rest of the application. This could only take a few minutes.

Step 2: We assess your application

Once we receive your application, our team will begin processing your request. We will aim to get back to you within 60 minutes* (if you apply within AEST business hours).

Step 3: Review and sign your contract

If your application is successful, we will send a copy of your electronic contract straight to you. We encourage you to make yourself familiar with the terms and conditions stated on the contract, as well as any fees and charges. Once you’re happy, sign your contract and send it back to us.

Step 4: Receive your money

Once we have received your signed contract, we will send your money straight to your account. Most people receive their funds within 60 seconds of approval**.

Get emergency cash immediately with Nifty

At Nifty, we will always do our best to find the right finance option for you. While we cannot offer ‘emergency cash loans no credit check’, we do provide emergency cash loans in Australia, even to people with bad credit. Submit your application today and we could provide you with the financial support you need in no time!

Apply Now