Don’t let Bad Credit Slow You Down | Apply for Bad Credit Loans

loans for people with bad credit

Loans For People With Bad Credit

When you find yourself in need of some quick cash, you may find that bad credit can stop you. At Nifty Loans, however, we don’t think that a little bit of bad credit should stop you from applying for the cash you need. That’s why we can offer loans for people with bad credit. Are other lenders being Coy? Apply with us, who knows, maybe we’ll be able to help. We want to give all Aussies a chance at applying for the credit they need when they need it. Before we dive into the deep end of our loans, we’d better introduce ourselves.

Introducing Nifty Loans

Nifty Loans is your one-stop shop for all your quick cash needs. We’re fast, and applying for the cash you need is easy. We’ve designed an application that can have you breathing easy in just minutes. Skip the long lines at the bank, endless meetings, and all those hoops, and just opt for Nifty Loans, the quick cash experts.

At Nifty, you can complete your 100% online application in minutes during your lunch break and you could receive an answer before the sun goes down. It’s that easy at Nifty.

We offer short-term personal loans starting at $300 and venture up to $5,000. The repayment period depends on the amount you decide to borrow. So, if you’ve bad credit and you’re searching for personal loans, apply today for bad credit loans, and we’ll do our best to help you get the cash you need.

What are loans for people with bad credit?

They are simply personal loans for bad credit, starting from $300 and reaching $5,000. The repayment period for bad credit loans depends on the amount you decide to borrow. Bad credit loans can either be unsecured or secured. Secured bad credit loans (any loan amount over $2,000), require equity to secure the loan, such as a car, motorbike, boat or caravan.

If you are looking for bad credit finance, you may find yourself getting knocked back by traditional lenders. Well, that’s where we come in. We look at more than just your credit score. At Nifty, we don’t think a few past mistakes should stop you from applying for credit you need now! That’s why we offer loans for people with bad credit, so you can apply for a fresh start with Nifty Loans.

Who is eligible for bad credit loans?

We want to provide easy finance to all Aussies in need of some quick cash. Before applying, there are a few requirements to check off first:

  • Must be over 18 years old
  • Be an Australian citizen or permanent resident
  • Be receiving a regular income into a personal bank account for the last 3 months
  • Have an active mobile number and email address

And that’s it. To be eligible for bad credit loans, simply meet those four requirements and you can apply straight away! Simply scroll up and submit our initial form.

What to have handy when applying for bad credit loans?

Applying is simple. Your application is waiting for you, just scroll up and fill out our loan calculator to get started. However, before you apply, have these details handy so you’ll fly through the application without any hitches:

  • Personal contact details e.g. active mobile number and email address etc.
  • The reason for your loan
  • Internet banking details
  • MyGov info (if applicable)
  • Employment info

You can complete our applications in minutes, and with these details handy, your cash loans application will be a breeze. No need to worry about yelling at your scanner as our loan process is 100% paperwork-free! So, just submit a few details, and our team of loan specialists will get to work.

Why do we ask for your internet banking details?

With the rise of the internet, we’ve seen all of our interactions move from real-life to the online sphere. So, at Nifty, we decided to channel that for your benefit. We ask for your internet banking details to access a read-only copy of your bank statements and expenses. Don’t worry, there’s no long-lost cousin who just happens to be the Prince of Nigeria in sight.

At Nifty Loans, we know that when you need cash, you need it quickly. So, we utilise the latest in safe banking technology to deliver a fast application and quick assessment.

How to apply for loans for people with bad credit

Applying for bad credit loans is easy. Trust us. All you have to do is fill out our application, wait for an outcome, then, if approved, we’ll transfer your new cash straight to your bank account. That’s quick cash straight to your pocket. We can approve and have your cash to you in three easy steps:

Step 1: You apply online

Applying online is easy. Simply brew a cozy cuppa and get comfy, then pop open your laptop or unlock your phone to access our application for bad credit loans. If you’re on the go, our website is mobile-friendly and 100% online, so you can submit an application whenever and wherever.

To begin your application, just scroll up and complete our initial loan form. Select how much you wish to borrow and for how long. Then, click whether you’d like to repay your loan weekly, fortnightly, or monthly. Once you are happy with your loan terms, click the Apply button and you’ve already begun your bad credit loans application!

Step 2: We assess your application

After you submit your application, our team of loan experts get to work to assess your application. Our assessment policy has many layers, and we assess on a case by case basis. So, get back to what you do best, and we’ll do our best to deliver an outcome in 60 minutes (during business hours). Keep an eye on both your email and texts, as we’ll contact you if we need any extra info to assess your application.

Step 3: We send cash straight to your bank

If you’re approved, we’ll send you an electric contract for you to approve. No need to print it out. At Nifty, we think of everything, and that includes the trees. After you review and sign the contract, we’ll transfer the cash straight to your bank. You’ll have it in your pocket in no time! Access to funds is dependent on inter-bank transfer times.

That’s it! Just three simple steps to your quick, easy cash. So, if you have bad credit and you’re in need of some extra cash, apply for a loan for people with bad credit today! Just scroll up to get started.

No hidden costs

We know that short-term lending can conjure up images of loan sharks in gold chains and shady shop fronts, however, Nifty is here to shake things up. We offer a professional loan service that is convenient and simple to use. We’re also upfront about all our loan costs. Every additional payable fee or cost will be clearly outlined in your loan contract. So,to get a a rough idea of the cost of a Nifty loan, you can find some examples at the bottom of this page for the following types of loans;

  • For small personal loans: unsecured loans from $300 to $2,000
  • For medium personal loans: secured loans from $2,001 to $4,600
  • For large personal loans: secured loans of $5,000

If you fail to make a repayment additional fees may be added to the balance of the loan. Other fees and charges may be payable. If you have any questions about the payable costs or charges linked with your loan, feel free to contact our friendly staff at [email protected] or give them a call on 1300 471 328.

Easy repayments

We know first hand the headache of paying bills. It’s a chore none of us looks forward to. Especially, since they always seem to come calling before your paycheck arrives. That’s why Nifty Loans offers quick and easy repayments. After you sign your loan contract, we’ll set up a direct debit with your nominated bank account. Your repayments will be deducted automatically from your account on the due date. So, all you have to do is make sure there’s enough moolah in your account.

At Nifty, gone are the days where you had to set hundreds of alarms to remind you to pay your bills. We make borrowing easy.

Do we perform credit checks?

The short answer is yes, we do conduct credit checks. However, your credit score is not all we look at. Our team of expert loan assessors examine your current relationship with money. But what does that mean, exactly?

Well, we want to give Aussies with bad credit a chance at applying for quick and small finance when they need it most. So, we don’t solely judge you on your credit score. We look at your income, expenses, and a myriad of other criteria to see whether you’re eligible for a loan. So, don’t give up hope if you have bad credit, apply today and we’ll do our best to help.

Can we offer loans for people on Centrelink?

Yes, we can! Nifty Loans offers loans for people with bad credit and those who receive Centrelink. If you’re receiving Centrelink payments, then you may have been knocked back for credit before. That’s why we think it’s important to offer cash loans for people on Centrelink. Our team considers most Centrelink payments as regular income, as long as you’ve been receiving them for at least 3 months.

Much like bad credit, we don’t think one thing should define your whole financial picture. That’s why we consider Centrelink as regular income. So, if you’re looking for a personal loan and think you’ll be declined because of Centrelink, then apply today and we’ll give you a fair assessment.

Nifty Loans believes in responsible lending

At Nifty Loans, we’re committed to re-branding the short-term lending persona. That’s why we adhere to responsible lending practices. In short, we don’t approve an applicant that cannot afford their repayments. If you have questions about our lending practice before you apply, don’t hesitate to contact us.

Can you apply for a loan outside business hours?

Yes! We do have designated business hours as our loan assessors do need their beauty sleep! However, you can apply for a loan at any time. Our 24/7 loan application gives you peace of mind, knowing you’ve made the first step to applying for quick cash when you need it most. Our team will do their best to assess your application quickly on the next business day. Nifty is always in your pocket when you need us most.

So, don’t sweat the time, apply now.

Let’s be friends

If you’re looking for finance, Nifty Loans is the place to be. We offer bad credit loans and loans for people on Centrelink. Our team of loan experts always dig deeper and look at your current relationship with money, including income and expenses.

Don’t wait, apply today for your very own bad credit loan.

Looking for loans for people with bad credit? Just scroll up to get started!

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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


"Highly recommended, only sugestion wuld be to send a loan statement every month so I know hows it going."

- Kristee L


Types of loans