Instant Cash Loans No Credit Check Unemployed | Nifty Loans

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

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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

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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.

Understanding Instant Cash Loans With No Credit Check if You’re Unemployed

If you’ve been searching for ‘instant cash loans no credit check unemployed’, look no further than Nifty Loans. Whether it’s car repairs, expensive medical bills, or a broken fridge, life can hit us with the unexpected at the most inconvenient of times — and this is where Nifty could lend you a hand. 

While we don’t offer ‘instant cash loans’ without a credit check, we give every applicant a fair go no matter their financial history. So, whether you’ve got a bad credit score or are receiving Centrelink benefits, don’t hesitate to apply with Nifty today! 

Instant Loans for the Unemployed FAQs

What is an instant cash loan?

An instant cash loan is a short-term personal loan that offers instant approval and funds to your bank account. It’s a lot different to what applying for a personal loan with a traditional lender involves — think long lines at the bank, stacks of paperwork to fill out, and waiting weeks for approval. 

Here at Nifty, we can’t promise ‘instant cash loans’ as we don’t guarantee instant approval. However, we’re pretty speedy when it comes to our application process. In fact, if you apply during our regular business hours, we could have an outcome for you in an hour**. If you’re approved, we could then transfer the cash you need in just under a minute*.

Do you offer loans with no credit check?

If you’ve been searching for ‘instant cash loans no credit check unemployed’, you might be concerned your credit score will get in the way of borrowing the cash you need. There’s no need to be at Nifty! While we can’t give out ‘instant cash loans’ without a credit check as part of our commitment to responsible lending, we look at more than just your credit score. We prefer to look at your financial commitments, income, and spending habits to get a better idea of whether you’ll be able to repay the loan.

How can I borrow money quickly?

When you’re faced with a financial emergency and need cash fast, the last thing you want to deal with is multiple phone calls or long waiting lines. Luckily for you, we’re quick when it comes to personal loans. Our 100% online application form only takes a few minutes to complete and, if approved, we could transfer the cash you need to your bank account in just under 60 seconds*. 

Can I borrow money if I’m unemployed?

If you’re looking for ‘instant cash loans no credit check unemployed’, it’s fair to assume you are currently unemployed and worried it’ll affect your chances of getting a loan. Don’t stress! You can still apply for financing with Nifty as long as you are receiving a regular source of income (for at least 90 days) including Centrelink payments.

Will you check my credit score?

Yes, we will check your credit score. We understand that you might be here because you’ve been looking for ‘instant cash loans no credit check unemployed’ and worried about your not-so-great credit score. However, there’s no need to stress as we aren’t just your regular lender. Rather than just focusing on your credit score, we look at your income, banking history, and financial commitments to get a bigger picture of your financial circumstances.

Do you offer loans for people on Centrelink?

Yes, we do! While we can’t guarantee approval for a personal loan if you are receiving Centrelink benefits, you can still go ahead and apply. This is because we might be able to consider your Centrelink payments as a source of income.

How do your loan repayments work?

After we receive your signed loan contract, we set up a direct debit for you on either a weekly, fortnightly, or monthly basis. Generally, we will align it with your pay cycle to make it easier for you. If you are worried you might miss a repayment, it’s really important to let us know as soon as possible. If you give us enough notice, we might be able to work out an alternate payment plan that works for everyone.

Am I eligible for a loan? 

At Nifty, we like to keep things simple including our eligibility criteria. To apply for a loan with us, you’ll need to:

  • Be 18 years old or above
  • Be an Australian citizen or permanent resident
  • Be receiving a regular income – at least for the last 90 days
  • Have a mobile number and email address
  • Have internet banking set up

What documents do I need to apply? 

To apply for a personal loan at Nifty, we’ll require you to provide the following documentation:  

  • Personal information (name, D.O.B. etc.)
  • 100 points of identification
  • Internet banking details
  • Employment details and contact information
  • MyGov details (if you are receiving Centrelink benefits)
  • The reason you are applying for a loan

What can I use my loan for?

From dental bills to wedding expenses, there’s plenty of reasons why you might take out a personal loan. At Nifty, here are some of the common reasons people apply for a loan:

How do I apply?

While we can’t provide ‘instant cash loans no credit check unemployed’, we do offer a pretty simple application process. To apply for a personal loan with Nifty, follow the steps below: 

Step One: Apply online

Scroll up to the top of the page and use the handy loan calculator to choose how much you want to borrow and for how long. If you’re happy with the estimates, click ‘apply now’. We’ll take you straight to the application where you’ll need to fill in a few details and attach any required documentation.

Step Two: We assess you

Once you submit your application, we get to work on assessing it as fast as possible. If you apply during our business hours, we could get you an outcome within an hour**. 

Step Three: Sign your contract

If your application is approved, congratulations! We will then send you a contract to have a look over and sign. Make sure to read all the terms and conditions of your contract before signing it. 

Step Four: Receive your cash! 

After you sign your contract and send it back to us, we’ll transfer the cash to your nominated bank account. If you have a NPP-enabled bank account, you’ll receive your money in just under a minute*! 

What loans do Nifty offer? 

At Nifty Loans, we offer a range of personal loans to suit your personal needs. Here are the details: 

Type of loanLoan amountLoan term
Unsecured$300 to $2,0006 to 9 months
Secured$2,100 to $4,6009 to 24 months
Secured$5,000 to $10,0009 to 24 months

4 ways to improve your credit score

If you’re looking for ‘instant cash loans no credit check unemployed’, you might be concerned about your credit score and how it’ll affect your chances of getting a personal loan. While we don’t solely focus on your credit score at Nifty, it’s always a good idea to improve your score. To help you out, we’ve put together four ways to improve your credit score:

1. Pay your bills on time

For a healthy credit score, it’s important to pay off your bills on time to show that you’re a reliable borrower. This is because any missed or late payments will appear on your credit report and bring your score down. If you find you keep forgetting your payments, consider setting up a direct debit for your bills. 

2. Don’t apply for multiple loans at once

Every time you apply for a loan, a credit enquiry is created on your credit report. If you apply for multiple loans with not much time in between, it can cause your credit score to drop and leave a bad impression on lenders. If you need a loan, make sure to do your research and apply for a loan that you’re more likely to be approved for. 

3. Don’t close old credit accounts

Even if you are no longer using it anymore, keeping your credit account is a good idea to show you have a long history with a credit provider. Just ensure that you’ve got a good repayment history on the account.

4. Check credit report regularly

It’s a good idea to check your credit report regularly and make sure there’s no incorrect information as it can affect your credit score. If you move houses, make sure to update your address details to avoid any confusion. You wouldn’t want to have someone else’s poor history confused with yours!

Benefits of choosing Nifty

If you’re looking for ‘instant cash loans no credit check unemployed’, it can be overwhelming to choose from the multitude of lenders out there. When the unexpected hits and you need a helping hand, Nifty is the lender to go to. If you need any more reasons to choose us, here are just a few: 

  • 100% online: It couldn’t be any more convenient to apply for a loan than with Nifty! Our application process is 100% online which means you can apply anytime and anywhere from any smart device. 
  • Fast applications: For most of our customers, our application takes only a few minutes to complete! You don’t have to worry about waiting lines, 
  • Quick outcomes: We’re quite nifty when it comes to personal loan outcomes! So if you’re after fast money loans and you apply during business hours, we could get you an outcome in just 60 minutes**.
  • Secure: we only use safe banking technology to access read-only copies of your bank and Centrelink statements. You can be rest assured your information will be encrypted and stored securely. 
  • Friendly customer service: Our customer service team is always happy to help if you have any questions or concerns. Feel free to get in touch with us via email or call 1300 471 328 during our business hours.

*If you have an NPP-enabled bank account

**If you submit during our regular business hours

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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.

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Loan Costs

Large Loans

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 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 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.