Instant Cash Loans No Credit Check

A fast and convenient lender can be difficult to come by… we get it. If you’ve been searching the web for ‘instant cash loans no credit check’, ‘instant cash loans no credit check no brokers’ or ‘small instant cash loans no credit check’, then you’ll probably be unsure who is the best fit.

Nifty is a lender with a difference. We work for you. Nifty wants to make small unsecured loans accessible for all eligible Australians and we are committed to providing the best possible service in the process. So, if you’ve been thinking about applying for a loan, there is no reason to wait. Scroll up and submit an application now!

What Are Instant Cash Loans No Credit Check?

Are you wondering what a no credit check cash loan actually is? Well, basically it is a loan in which the lender does not take and applicants credit history into consideration during assessment and approval. If you’re looking to apply for a personal loan with Nifty, it is important to remember that we will always conduct a credit check.

Our team is committed to responsible lending and as part of that commitment, we must check credit ratings. However, this is not all we will take into consideration during the loan assessment process. We look deeper and understand that people and circumstances can change. So, what are you waiting for? If you apply during regular AEST business hours, you could have an outcome within 60 minutes.

Who Are We?

Wondering why choosing Nifty is the best option? Well, it’s simple. Nifty will not promise anything we can’t deliver on. We won’t claim to provide cash loans instant approval no credit check – that’s not our style. We want to promote financial health and wellbeing, instead of sinking you into more debt. That’s why we will always conduct a credit check when you apply.

Our team will make sure you are able to repay the loan before they approve it. Bad credit won’t necessarily stand in your way, as long as we can see you will be able to comfortably repay the loan amount.

Wondering how long an application might take? Nifty is proud to be 100% online. That means the entire process, from application to approval, could be done from the comfort of your own home! All you need is a laptop and an internet connection – you could even use your smartphone.

We love the convenience and we think you will too. So, if you’ve been thinking about submitting an application then why wait? It’s free, and if you apply during regular AEST business hours, you could have an outcome within 60 minutes.

What Can I Use A Personal Loan For?

Wondering what sort of expenses you could cite on a Nifty loan application form? We offer personal loans for all kinds of various reasons. Here are just a few examples for you…

Instant Cash Loans Bad Credit For Car Repairs

Not many of us can get around without our cars. In Aus, we rely on cars as our main mode of transport. So, if you’ve broken down, you probably need to get moving again… fast! If you don’t have the spare cash lying around, speedy repairs might prove to be quite difficult. But, there’s no need to suffer on the bus for months. Nifty could provide you with a personal loan that could cover car repair expenses. Got bad credit? That doesn’t have to stand in your way. Our team does their best to match applicants with poor credit with an appropriate loan product. So, why not scroll up and give us a go?

Instant Cash Loans Online Bad Credit For Medical Expenses

Has an unexpected medical expense snuck up on you? Maybe you need to see the dentist urgently and it just can’t wait. Or, maybe a family member has fallen ill and requires assistance. At Nifty, we understand these things can be pricey and cash is the last thing you want to worry about in a crisis. That’s why we can provide instant cash loans online bad credit for medical expenses.

The best part is, you can apply online wherever you are – even from your smartphone. Nifty is all about making the process as simple as possible. If you apply during regular AEST business hours then you could even have an outcome within 60 minutes.

Centrelink And Personal Loans

“Can I apply for an instant cash loan if I’m on Centrelink?” This is a topic we are questioned about quite frequently. Unfortunately, there is no simple yes or no answer. Every situation is different. In some cases, Centrelink can be viewed as an income, and in other cases, it can’t.

If you’ve been googling ‘instant cash loans no credit check Centrelink’, then it is important to remember a few things. Nifty will always conduct a credit check whenever you apply for a personal loan (this is the case whether you are receiving Centrelink payments or not) and there is no guaranteed approval when you apply for a loan.

At Nifty, we always do our best to match applicants with an appropriate loan product, however, this does not mean we are successful every single time. If you’re questioning whether or not you could be approved, our team suggests you just go ahead and submit an application. The application itself costs nothing and you could have an outcome within 60 minutes. What have you got to lose?

Eligibility Criteria

At Nifty, we believe the best part about our loans is that they’re simple and easy to access. We do our best to make the process as painless as possible. So, don’t spend your days searching through pages and pages of search engine results; here’s the criteria you’ll need to meet to apply with Nifty today!

  • You must have an active mobile number and email address;
  • You must be aged 18 or older;
  • A regular income must have been deposited into your own personal bank account for the last three months;
  • You must have internet banking set up;
  • You must be able to prove you are an Australian citizen or permanent resident.


Wondering what documents you’ll need to provide us with? Well, the good news is, we don’t ask for anything unnecessary. That means you won’t have to fill out pages and pages of paper forms. We only ask you to provide the essentials. The application form itself could take you as little as a few minutes to complete. So, here’s what you’ll need with you:

  • Personal info (name, D.O.B etc.);
  • 100 points of identification;
  • Internet banking details;
  • We will need to know the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink benefits);
  • Employment details and employer contact info;
  • Proof that you are an Australian citizen or permanent resident.

Online Banking

Wondering why we need your online banking details? It’s pretty simple. Our team will access read-only copies of your bank statements in order to get a realistic idea of your financial situation. As we could provide loans to people with poor credit, bank statements allow us to view regular spending habits, transactions in and out of your account and income.

This could even work in your favour. If credit has been a problem in the past, a copy of your bank statement could prove to our lending team that you have made an effort to rectify the situation. If you’re worried about security, there’s no need to be. Nifty uses the latest in safe banking technology to ensure your information is always encrypted – that means no one will be able to see your personal information or passwords.

Employment Checks

As part of our commitment to responsible lending, Nifty does conduct employment checks. We do this to ensure you have a means of paying back the loan. There is no need to worry – an employment check might even work in your favour. Much like accessing online banking, an employment check gives us an insight into how you will effectively pay back the loan. We place the utmost importance on privacy and security. Our team is highly trained and experienced in conducting employment checks. We will never disclose any of your private information or the reason why you are applying for a loan to your employer.

Our Customers

At Nifty, our focus is on you- without you, there is no us! Our helpful and friendly Nifty lending team is always here to help. We understand how confusing the world of online lending can be. So, we’re here to make it as simple as possible. If you’ve got questions, we’ve got the answers. So, get in touch at any time and we will do our best to get back to you ASAP!


Wondering how the application process works? The good news is, it’s all 100% online. From start to finish, the whole thing could be done from the comfort of your own couch! Here’s how to apply…

Step 1:

Scroll up and use the loan calculator to enter an amount and repayment period of your choice. When you’re happy, simply hit ‘apply now.’

Step 2:

When you’ve hit ‘apply now’, you’ll be directed to Nifty’s 100% online application form. This could only take you a few minutes to complete. If you apply during regular AEST business hours, our team could have an outcome for you within 60 minutes.

Step 3:

If your application is successful, a member of the Nifty team will be in touch. We will send over a contract for you to review and sign. It is of the utmost importance that you read this contract carefully and make yourself aware of any fees and charges you could incur for late or failed payment.

Step 4:

Once we receive your signed agreement, a member of the Nifty team will transfer the money straight to your account. Remember, bank transfer times do vary. We do our best to get the cash to you on the same day, however, sometimes this is not possible.

We Help Aussies!

At Nifty, we love helping Aussies just like you. So, if you’ve been thinking about submitting an application, don’t wait any longer. Take a look for yourself:

Search TermAmountApproved
Small Instant Cash LoansAUD ($)1,200
Quick Unsecured Personal Loans Bad CreditAUD ($)2,000
Instant Cash Loans Bad CreditAUD ($)4,400

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

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

fast personal loan approval

"Efficient and fast service. Loved it!!"

- Paul


Types of loans