Skip your search for instant cash loans no credit check unemployed – apply with Nifty Loans instead!

instant cash loans no credit check unemployed

Have you found yourself searching for “instant cash loans no credit check unemployed” on google? Instant cash loans no credit check unemployed isn’t the only option for those who are unemployed with bad credit and are in need of some quick cash. While this isn’t something we offer exactly, we do have other products that you might fund helpful.

Firstly, what are instant cash loans no credit check unemployed?

These loans might sound like a bit of a jumble of words, so let us translate. Essentially, they are personal loans that can be accessed fast, that are available to unemployed people and may not require a credit check.

Personal loans can be useful in times when you need some extra funds that you don’t have. If you’re unemployed and receive Centrelink as your main form of income, keeping a close eye on your finances is a must. However, a hefty unexpected bill can come along and put a dent in your budget, leaving you counting coins to get through until your next payday.

If you need a short-term cash injection to pay for an expense, personal loans for bad credit could be what you’re looking for. They can be useful for emergencies, but that’s not all! They can also be used for more fun things, like travelling, getting yourself a swimming pool to beat the summer heat, or even financing your dream wedding!

And why do people search for instant cash loans no credit check unemployed?

It sounds like a Google search that was typed in a bit of a hurry, right? Well, that might not be too far off. The reason people might resort to seeking out finance is that they have bad credit, are unemployed and need funds on short notice. They might have heard of or had first-hand experience with traditional lenders not understanding their situation.

Unfortunately for many, traditional lenders tend to take a dim view of things like unemployment and bad credit. In some cases, traditional lenders will outright reject an applicant if they see either of these. But what happens next? Your need for extra funds doesn’t go away, and you may feel hesitant about applying with other traditional lenders for fear of the same result. Borrowing money from loved ones might be an option for some, but that can propose its own set of challenges. So, what do you do?

If you feel as though you haven’t been given a fair go by traditional lenders, Nifty Loans might work for you! We’re an alternative lender that can take a more understanding view towards bad credit and Centrelink payments. So, for those who are looking for some fast cash, Nifty Loans is here to help! Apply today and you could have the cash you need in no time!

Can I get instant cash loans no credit check unemployed from Nifty?

The short answer is no. There are a couple of reasons for this, so let’s go through them.

First of all, instant cash loans. As amazing as it would be to have access to cash instantly when you need it, it’s not quite possible when applying with a responsible lender like Nifty. We’re fast, but we’re not that fast. As much as we pride ourselves on being speedy, instant cash loans are a bit out of our wheelhouse. However, we can still provide fast cash loans for bad credit!

The other aspect of “instant cash loans no credit check unemployed” that prevents us from offering them regards credit checks. As part of responsible lending practices, we conduct credit checks on all applications. However, this doesn’t mean that we will necessarily judge you just for having bad credit. We tend to focus more on your current relationship with money to determine whether you’ll be able to afford a loan. We can even provide loans for people on Centrelink!

So, while we don’t offer “instant cash loans no credit check unemployed”, we might still be able to help out those who have bad credit and are unemployed with one of our bad credit loans.

What can I use bad credit loans for?

As useful as bad credit loans can be when you’re in a bind, you don’t necessarily have to wait for an emergency to apply. Here are a few hypothetical scenarios in which cash loans for bad credit could help you out.

Australia is a big place, and it attracts heaps of tourists for a reason. However, how many of us who live here have seen everything that our country has to offer? It may not be the first thing that comes to mind when you think of going on holiday, but there are a lot of breathtaking sights to see in this land of ours. You could fly across the country, but you could well miss out on some amazing experiences. One form of travel that’s becoming more and more popular is taking a road trip – and what better way to do it than in your very own caravan? Nifty Loans offers caravan loans to help you get one of your own, so you can set off on your tour of the land down under.

If a caravan doesn’t appeal to you, you might prefer to go on a road trip in your old reliable car. You’ve got everything packed, your playlist of travelling tunes ready to go and snacks for the road. You turn the key and your car splutters into life – then stops. If you’ve got bad credit and find yourself in a situation like this, bad credit car loans, could be for you. Bad credit car loans in themselves are pretty versatile as they can help pay for a wide range of car-related costs, from repairs to rego!

These are just a few examples. Why not apply today to see what a Nifty Loan could do for you?

How do I apply with Nifty?

Let’s take you through the few simple steps of applying for personal loans for bad credit with Nifty.

1. Qualify

There are a few boxes you’ll need to tick before you can apply. You must:

  • Be 18 years of age or over;
  • Be an Australian citizen or permanent resident;
  • Have been receiving a consistent income into a personal bank account for at least the past 90 days (Centrelink payments also count!);
  • Have an active mobile number and email address.

2. Apply

Once you qualify, scroll up to the top of our website to find the Apply Now button. Our loan calculator is also there to help you decide how much to borrow and for how long. Adjust the slider to specify your desired amount and repayment period. If the costs you see look good to you, you can head on to your application. Keep in mind, however, that these costs are just an estimate. Depending on your situation, and the type of loan you are looking for, costs may vary.

This part should take just minutes. We’ll ask for some basic personal information and the reason for your loan. In order for us to take a look at your financial situation, we’ll also request your internet banking credentials, employment information and/or MyGov account details if you’re receiving Centrelink payments. Click submit and it’s over to us handle the rest.

3. Outcome

Our aim is to deliver outcomes within 60 minutes, however, this is during business hours and provided we do not require any additional information. If you apply outside of our business hours, we’ll get to your application the next business day. If we approve your application and you send back your signed loan contract, we’ll send your funds out in the next round of banking. The speed at which it appears in your account will depend on your bank.

No muss, no fuss. Apply for cash loans for bad credit with Nifty today!

How much do bad credit loans cost?

The bad credit loans that Nifty can offer are split into three categories based on the loan amount. There are small unsecured loans for amounts between $300 and $2,000, medium secured loans from $2,001 to $4,600, and large secured loans for $5,000. You can find some examples of the basic costs at the bottom of this page for the following loans:

Small Unsecured Loans:
Repayment period of 3 – 6 months
Do not require security

Medium Secured Loans:
Repayment period of 13 – 24 months
Requires security

Large Secured Loans:
Repayment period of 13 – 24 months
Requires security

Other fees and charges may be payable. Unfortunately, if you fail to make a repayment without notifying us of any changes in your situation, additional fees may be added to the balance of your loan. To find out more about the payable fees and charges associated with your loan, please get in contact with our customer service team.

For more information regarding personal loan costs, check out MoneySmart’s personal loan calculator.

How do I repay a Nifty loan?

We understand that once you’ve got your cash, you don’t constantly want to be worrying about remembering to make your repayments. That’s why we’ve made our repayment system easy and convenient for all involved. We’ll organise a day that works for you (typically in line with your pay cycle) for your repayments. One that day, your repayments will automatically be deducted from your account via direct debit, all you need to do it ensure the funds are available on the day. So, once your loan has been fully repaid, the direct debits automatically stop.

There are some lenders out there who charge customers if they wish to pay their loan out early. Not Nifty! If you’re really on top of your finances, you are welcome to pay more than your allotted repayment in order to reduce the remaining term of your loan. We won’t charge you early exit fees for doing so.

We understand that sometimes your financial situation can change without any warning. If this happens and there’s a chance you might miss a repayment, please contact us as soon as possible. With at least 1 business days notice, we may be able to set up an alternate payment plan that better suits your circumstances. Otherwise, a payment failure due to lack of funds in your account may result in additional fees.

Nifty Loans can help out those with bad credit!

Say goodbye to clunky loan applications and frantically searching for “instant cash loans no credit check unemployed”, and say hello to Nifty Loans. We do our best to help those who are receiving Centrelink and have bad credit get the finance they need. Therefore, apply now to see if we can help you out!

Who can apply?

18+

You're at least 18 years old

kangaroo

You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

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

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**
VIEW EXAMPLE

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
VIEW LOAN DETAILS

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
APR:47.8%
Comparison Rate:65.86%**
VIEW EXAMPLE

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
VIEW LOAN DETAILS

Large Loans

$5,000

large potplant
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
APR:21.24%
Comparison Rate:48%**
VIEW EXAMPLE

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

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.

Who we've helped

man sitting with phone
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This is much needed

"Nifty were great I was in desperate need of finance and they were the only ones to help. Others advertise how good they are but then when you apply for finance they won't lend. Thanks to nifty my Christmas will be a little easier."

- Rob

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How customers rate Nifty's Personal Loans

Skip your search for instant cash loans no credit check unemployed - apply with Nifty Loans instead! Overall rating: 4.6 out of 5 based on 232 reviews.

Types of loans