*During normal business hours.
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!
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*.
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.
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*.
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.
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.
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.
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.
At Nifty, we like to keep things simple including our eligibility criteria. To apply for a loan with us, you’ll need to:
To apply for a personal loan at Nifty, we’ll require you to provide the following documentation:
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:
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:
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.
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**.
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.
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*!
At Nifty Loans, we offer a range of personal loans to suit your personal needs. Here are the details:
|Type of loan||Loan amount||Loan term|
|Unsecured||$300 to $2,000||6 to 9 months|
|Secured||$2,100 to $4,600||9 to 24 months|
|Secured||$5,000 to $10,000||9 to 24 months|
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:
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.
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.
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.
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!
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:
*If you have an NPP-enabled bank account
**If you submit during our regular business hoursApply Now
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
$5,000 - $10,000
$2,001 - $4,600
$300 - $2,000
* 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.