Emergency Cash Loans No Credit Check | Nifty Loans

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

Apply now for:

Fast Personal Loan

up to $5,000

or

Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

Your data is secure

Comodo Logo

Trusted by

Trusted Site Logo

Our customer rating

Google Reviews

ⓘ Loan Disclaimer

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.

Emergency Cash Loans No Credit Check

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 

Are you unsure what qualifies as an emergency? Here are some of the most common reasons people have taken out emergency cash loans with us.

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

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

Before we approve your loan application, there are a few things we will need from you.

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

Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

Read More

Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

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

Medium Loans

Medium Loan Example

$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
Loan amounts:
$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

Small Loans

Small Loan Example

$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
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.