Emergency Cash Loans No Credit Check

Are you looking for emergency cash loans no credit check? Wondering whether or not it’s actually a real thing? At Nifty, we don’t offer cash loans with no credit check. As part of our commitment to responsible lending, our team will always do a credit score check. However, there is no need to panic. At Nifty, we take a realistic look at your credit score which means all applicants have a fair chance at a personal loan. So, don’t let bad credit stand in your way. You could scroll up and apply with Nifty right now!

What Is An Emergency Cash Loan No Credit Check?

Are you wondering what an emergency cash loan no credit check actually is? Essentially, lenders who provide these types of loans do not conduct credit score checks at all. At Nifty, we will conduct a credit score check. This is a part of our assessment process and, therefore, something that is done with every application. However, the good news is, we look at more than just your credit score as an indicator.

Sometimes there’s no accounting for emergencies. No one understands that better than the team here are Nifty Loans. Accidents happen, illness knocks us back and the bills just keep coming. In these moments, it’s easy to feel financially overwhelmed but that doesn’t have to be the case. Nifty takes a realistic look at your financial situation and makes a fair and reasonable assessment. Our team is down to earth. When you apply with Nifty you can be guaranteed a fair go at accessing emergency cash bad credit and all.

Nifty Australia

Before you apply for a personal loan you probably want to know a little more about us, right? Well, at Nifty, we are proud to be your local lender. We are Australian owned and operated, so our focus is on the local community. We understand what you’re going through. At Nifty, we know that life is full of curveballs – especially financial ones!

That’s why we do our best to give every applicant a fair go at a loan, even if their credit score is less than amazing. Our team understands that when you need emergency cash loans bad credit there is no time to waste. That’s why we have made the application process super simple. All you need is an internet connection. You could even fill out our 100% online application form from your smartphone in just a few minutes. We love the convenience and we think you will too.

What is Responsible Lending?

At Nifty, we take responsible lending very seriously. What’s responsible lending? Well, essentially it means we will only ever lend money to people who have the means of repayment. Our team is all about promoting financial health and wellbeing. We don’t want to get you into financial hardship, we want to help you escape it. So, you can rest easy knowing that your financial situation is properly assessed. Our team is always here to help so we encourage you to get in touch if you have any questions!

Does Nifty Provide Emergency Cash Loans In One Hour?

At Nifty, we believe in speedy service. When you apply during regular AEST business hours our team will usually be able to provide an outcome within 60 minutes. If you are approved for a personal loan, our team will do their best to get the cash to you on the same day, however, this is not always possible. Inter-bank transfer times can affect the speed at which the money hits your account. Essentially, Nifty does not provide cash loans in one hour – however, you could have an outcome on your loan in 60 minutes. We do our best to make fast easy loans online reality and same day service is something we do our best to achieve.

How Can I Get Emergency Money Fast?

There are many ways you can access fast finance, from asking loved ones to applying for a loan online. If you’ve been googling ‘emergency cash immediately’ it is a good idea to ensure the lender you choose is reliable and trustworthy. Often, lenders may promise cash loans instantly but this is rarely the case. At Nifty, we make sure the loan product is responsible for your individual financial situation before we send the money.

We pride ourselves on ethical service. So while we will do our best to give you an outcome as quickly as possible, it is important to note that Nifty does not provide emergency cash loans no credit check or emergency cash immediately.

Fast & Fair Assessments

While we can’t promise you emergency cash immediately, we can promise to give you a fast and fair assessment. Even if you need emergency cash bad credit!

Ultimately, your credit score is just one piece in the larger puzzle of your finances. Over time, we all have our ups and downs. That’s the growing pains of life! Yet, it doesn’t mean we should be burdened with our mistakes for so long.

When it comes to your credit history, negative reports can last for up to 7 years! In that time, your financial situation can change drastically. We get that. So, we look beyond your credit score to your general spending habits. This gives us a better picture of your current relationship with finances.

Who Can Apply?

So, now that we’ve covered the important details, let’s talk about who is eligible to apply. At Nifty, we like to keep things as simple as possible. So, if you can meet the following criteria you could scroll up and apply for an emergency loan right now:

  • Are you at least 18-years or older?
  • Do you have an internet banking account?
  • Have you received a steady income for the last 90-days into a bank account of your own?
  • Do you have an active email address and mobile phone number?
  • Are you an Australian citizen or permanent resident?

What Documents Do We Require?

In terms of documentation, at Nifty, we won’t ask you to provide anything unnecessary because we like to stick to the basics. Our 100% online application form could only take a few minutes to complete, here’s what you’ll need with you:

  • 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);
  • You will be asked to provide us with the reason why you are applying for a loan;
  • We will need your MyGov details (if you are receiving Centrelink benefits);

Will Nifty Look At Bank Statements?

Yes, Nifty does look at read-only copies of your bank statement. Before you panic, our team doesn’t access your real bank account – we only look at the statements. Why does Nifty look at bank statements? Essentially, we look at your bank statements to verify spending habits, regular transactions and deposits, as well as income. We prefer to look at more than just your credit score. Bank statements give our team a realistic insight into your current financial situation. We encourage you to get in touch with any questions or head over to our FAQ page.

Employment Checks

Wondering whether or not Nifty conducts employment checks? The short answer is yes. At Nifty, we are committed to responsible lending. That means, as a part of the assessment process, we get in touch with your employer. This is just a verification call. Our team is highly experienced in conducting employment checks. That means we will never disclose any of your private or personal information or the reason why you are applying for a personal loan.


As we’ve mentioned, at Nifty, we take a realistic look at your finances. Our team does not rule out applicants who are receiving Centrelink benefits but assesses such applicants on a case by case basis. So, if you’re wondering can I get a loan on Centrelink, then we suggest you go ahead and apply. In some cases, Centrelink is seen as a form of income and in other cases, it is not. The application itself is completely free, so we recommend you give it a go if you’re looking for a personal loan. Ultimately, our team will do their best to find you an appropriate loan product. If you’ve been googling ‘emergency cash loans unemployed no more hassle’ why not give Nifty a go? We pride ourselves on assisting all Aussies where we can.

Our Customers

At Nifty, we know that our business does not exist without our customers. That’s why we are focused on providing the very best customer service possible. The best part is, our team is local. We know what you’re going through and we are focused on getting you back on track. That’s why we don’t claim to provide emergency cash loans no credit check. We will never lend you an amount of cash that we do not believe you will be able to repay.

During the assessment process, our team do a thorough check of your financial situation and work out what is best for you. We do not want to con you into a dodgy deal that you won’t be able to escape. At Nifty, we are honest and 100% transparent. No nasty surprises and no hidden fees – what you see is what you get! So, if you’ve got questions, we’ve got the answers. Get in touch today and let us help you get back on track.

No Hidden Fees

If your loan application is successful, Nifty encourages you to read through your agreement. We clearly outline any fees or charges within our agreement so there is no confusion or miscommunication. We want to make sure you can repay your loan comfortably and without hassle. Our team makes everything very clear and we are always happy to answer your questions. Before signing your contract it is essential that you read through the entire thing and make yourself aware of any fees you could incur for failed payment. We will never keep this hidden. If you are still unsure just shoot us a message!

Something To Remember…

Before you apply for an emergency loan with Nifty it is essential that you ensure a personal loan is right for your financial situation. We cannot provide emergency cash loans no credit check but our team will always do their best to assess your situation. Even so, ultimately it is up to you to decide whether or not a loan product is suitable.

Nifty is 100% transparent. We won’t keep anything a secret. If you’d like to know more, we encourage you to check out the possible fees and charges.

If you need emergency cash immediately, you might also wish to consult professional financial advisors to help you decide the best course of action.

Ready To Apply?

If you’re ready to apply here’s how you do it:

Step 1:

Simply scroll up and use our loan calculator to enter a loan amount and repayment period. When you’re happy, just hit ‘apply now.’

Step 2:

‘Apply now’ will direct you straight to our 100% online application form. This could only take you a few minutes to complete. Once you’ve submitted your application, you can put your feet up. Our team will do all the hard work.

Step 3:

If your application is successful a member of our team will be in touch. We will send over an agreement for you to review and sign. It’s important to make yourself aware of any fees or charges you could incur for a late or failed payment. If you have any questions regarding any part of your agreement we encourage you to get in touch with our team.

Step 4:

Once we receive your signed agreement we will transfer the cash straight to your account. Inter-bank transfer times can affect the speed at which you receive your funds, however, we do our very best to get you the cash on the same day!

Nifty Finance Solutions

At the end of the day, the Nifty team will always do their best to find the right finance option for you. While we can’t offer emergency cash loans no credit check, we could offer you emergency cash bad credit. So, don’t let the fact that we conduct credit checks put you off applying! Submit your application today and we could provide you with the funding you need in no time.

Are you looking for small loans fast? Do they actually exist? Nifty has the details you need to read!

We’ve got everything you need to know about micro business loans!

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

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

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

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

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

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

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews


"They are really great at dealing with you"

- Kim Davies


Types of loans