Fast Cash Loans For Unemployed People When You Need Them Fast!

fast cash loans for unemployed

Have you had an unexpected and entirely inconvenient expense pop up out of the blue? Has that expense completely blown your budget out of the water? We know just how it feels. You were puttering along, just doing your thing and boom! Your car engine blows. Or your washing machine decides to die. Or maybe you had to make an emergency trip to the dentist. Whatever has happened, your weekly budget is ruined and you’re left scrambling for some spare cash. So, you find yourself trying to get your hands on fast cash loans for unemployed people. You could even be eligibel for an instant cash loan online with Nifty!

We know that when these situations pop up, you need cash fast. This is where Nifty Loans can help. If you’re unemployed and receive Centrelink benefits, why not apply for one of our fast cash loans for unemployed Australians? Sound like it may help you out? Want to know more? Grab a cuppa and take a seat cause we’re going to give you all the deets!

Fast cash loans for unemployed people

These loans are handy little cash loans that you can apply for when you need some spare cash, fast. They’re hassle-free loans that you apply for online from the comfort of your own home. Say goodbye to long lines and the need to spend hours working on an application. Filling in our online application form takes just a few minutes out of your day. In next to no time you could be well on your way to getting the finance people you’ve been looking for.

What can fast cash loans for unemployed people be used for?

Personal loans can be used for a variety of different reasons. They’re designed to be super flexible and to cover all of life’s unexpected surprises. We know that when an emergency hits, you need cash fast. This can be a daunting prospect if you’re unemployed and receive Centrelink benefits, but we’re here to help. Take a look at just a few of the things our loans can be used for:

  • Car repairs;
  • Car registration;
  • Insurances;
  • Utility bills;
  • White goods;
  • New appliances;
  • Home repairs;
  • Home renovations;
  • Dental costs;
  • Doctors bills;
  • Medical expenses;
  • Education costs;
  • University fees;
  • Holiday loans;
  • Flights and accommodation;
  • Childcare costs;
  • New uniforms for the kids.

And many more! This is just the tip of the iceberg when it comes to the uses and flexibility of our fast cash loans for unemployed Australians!

What are your application criteria?

Our application criteria is nice and simple so that you can check whether you qualify in a jiffy. We know that time is a luxury these days. We all have places to be and things to be doing, so we like to keep things nice and simple. With that in mind, we have just four simple application criteria. Check whether you qualify here:

  • Be at least 18-years of age;
  • Be an Australian citizen or permanent resident;
  • Have been receiving a regular income into a personal bank account for at least the last 90 days (this includes Centrelink income!);
  • Have an email address and mobile phone.

Do you meet the above criteria? If you do, feel free to submit an application!

Let’s take a look at our application process.

Step one

Once you know whether you qualify or not, head up to the top of any page on our website. From there, enter the amount you’d like to apply for into our handy loan calculator. Now select the length of your repayment terms and click ‘Apply Now’.

Step two

From here we’ll get you to fill out some contact and personal details, the reason for the loan, as well as your internet banking credentials so we can grab a read-only copy of your bank statements. We’ll also require your employment details or your MyGov account information if you receive Centrelink.

Fill in the rest of the application and that’s it! You don’t need to sift through pages of bank statements or other documents because we’ll do it all for you! Don’t worry about having to hunt down and photocopy paperwork either, we’ve got you covered. Hit the submit button, sit back and relax and we’ll get back to you as soon as possible!

Step three

Has your application been approved? Congratulations and welcome to the family! If you are approved, your loan contract will be emailed to you to have a good read over. If you’re happy with the loan terms you’ve been offered, go ahead and sign your digital contract and get it back to us. Once your contract has been signed we can then release your funds to you with the next round of banking. Access to funds is dependent on inter-bank transfer times.

Wondering about funds transfer times?

Once transferred, we find that your funds should be available in your account by the following business day at the latest. Depending on who you bank with, they may even be available for you that evening! If you have any questions about funds processing times feel free to give our friendly customer service experts a call.

How much do fast cash loans for unemployed people cost?

We have three different kinds of loans available. These are small amount unsecured loans (SACCs), medium amount secured loans (MACCs) and large amount secured loans (LACCs). Take a look at the following aspects of each loan type to see which is best suited to your needs. For each of our loan types, you can find some examples of the basic costs at the bottom of this page.

  • small amount unsecured loan, $300 – $2,000:
  • medium amount secured loan, $2,001 – $4,600:
  • large amount secured loan, $5,000:

Depending on what type of loan you apply for, other fees and charges may be payable. You may be charged additional fees if you miss a repayment or default on your contract. All additional payable fees and charges will be clearly outlined in your loan contract. If you have further questions regarding the fees and charges associated with your loan, please get in contact with our friendly team of loan experts.

Can people receiving Centrelink apply for fast cash loans for unemployed?

Yes, people receiving most Centrelink benefits can apply! We’re here to help you out, not make things more difficult for you when you need some spare cash. We know how difficult it can be. An expense pops up so you submit a loan application to a traditional lender in the hopes that they’ll help you. However, they take one look at your application and instantly knock you back, purely for being unemployed and receiving Centrelink! We don’t think this is very fair. Everyone deserves a shot at getting a bit of a helping hand.

We want everyone to have that chance at getting the spare cash they need. Whether working or receiving Centrelink benefits, we’re happy to help if we can. We won’t automatically knock you back for receiving Centrelink benefits, rather we’ll work with you to see if there’s any way we can help!

Don’t let bad credit hold you back

Bad credit can seem like a never-ending black hole that you just can’t pull yourself out of. We understand. It can be hard when traditional lenders take one look at your credit score and judge you on something that may have happened years ago! But, bad credit doesn’t have to be the end of the world. Here at Nifty Loans, we know that not everyone is going to have the squeaky clean credit history that traditional lenders demand. We know that life can throw lemons when you least expect it. And, sometimes those lemons can affect your finances.

Here at Nifty Loans we won’t just knock you back for a bit of bad credit history. We’ll have a good look at your application and take a look at other contributing factors as well. Our assessments are thorough and will take into consideration all aspects of your application, not just bad credit. So, don’t let that bad credit stop you from submitting an application. We’ll give you the fair go you deserve.

Credit checks don’t have to be the enemy

Here at Nifty Loans we do conduct credit checks on all applications. Don’t let this stop you from applying though. Credit checks are not the only thing we take a look at when we assess your application. Credit checks are a part of responsible lending practices, but they are by no means the be all and end all of your application. So, don’t panic, there is hope yet.

This is why those bank statements that we requested are so important. Bank statements are a great way to get a good overall snapshot of your finances and see how you’re currently handling your money and commitments. If our assessment team can see that you’re handling your finances well and are making your repayments on time, they may be able to help you out with a loan, even if you do have a bit of bad credit history showing up on your credit file.

So, why not see if Nifty Loans can help you out with 24/7 loans for unemployed people? You never know what may happen if you submit an application.

Repayments are simple and effortless

When you’ve got a few different repayments or commitments coming out of your account, it can be difficult to remember what repayments are due on what day. Nifty Loans aims to make it just a little bit easier for you. We set up a direct debit repayment to be deducted from your account, usually in line with your payday. This means that you won’t have to lift a finger to make your repayments. All you need to do is ensure you keep the funds available in your account. They will come out of your account automatically until your loan has been successfully repaid. Once your loan has been fully repaid, your repayments will then automatically stop. How easy is that!?

We’re all about convenience and ease of service. Let us do all the hard work for you while you get back to living your best life. No need to worry about remembering to make your repayments, just easy direct debits that are sorted from the very beginning.

The Nifty Loans difference

Here at Nifty Loans we know just how hard it can be trying to find a bit of spare cash when you’re unemployed. With this in mind. We want everyone to have a fair chance at getting the cash they need, fast.

If you’re looking for finance, Nifty Loans is the way to go. Did you know that we also offer other types of loans as well? Yes, that’s right! Looking for bad credit loans, travel cost loans or Fiji holiday loans? We can help! Submit an application now and you could have an answer super fast.

Want to keep up to date with what Nifty Loans is up to? Great! Head on over to our Facebook or take a look at our blog for the latest tips and tricks in the Fintech industry!

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



- james


Types of loans