24/7 Instant Cash Loans for Unemployed People | Nifty Loans

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Fast Personal Loan

up to $5,000

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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.

24/7 instant cash loans for unemployed

24/7 cash loans for unemployed: Do they exist?

Are you unemployed and in need of cash immediately? Have you been searching ‘instant cash loans online 24/7 for unemployed in Australia’? If you are in need of a fast personal loan, look no further. Nifty could lend a hand. 

What are 24/7 instant cash loans for unemployed people?

‘24/7 loans for unemployed’ are loans that can be applied for at any time for unemployed people with an instant cash payout. Lenders and credit providers are legally required to conduct an assessment on applicants which means they cannot provide ‘instant loans.’. 

Nifty offers 24/7 loans online up to $10,000, even to people who are unemployed and receiving Centrelink benefits. We can offer fast approvals and even fast payouts. So although we are not able to offer instant cash loans, you could get the funds you need in just a few hours. It’s as close to an instant cash loan online that you can find!

Where can I apply for an instant cash loan if I’m unemployed?

Not sure where to apply for an instant cash loan? Here is some information about other options for you to consider before applying for a personal loan.

Traditional lender

Traditional lenders such as banks and credit unions typically have a strict assessment process. Most of these lenders won’t consider people who are either unemployed or receiving Centrelink for approval. Their approval times are also longer than online lenders. So if you’re searching for instant cash loans for unemployed, a traditional lender may not be suitable. 

No Interest Loan Scheme (NILS)

If you are looking for a loan while unemployed, NILS provides no-interest loans to help people get back on their feet. These loans can be used to purchase essential items and cover living expenses. These are not ‘cash loans’; they must be used to cover emergency expenses for people in financial hardship. To find out if you are eligible, visit the NILS website.

Online lender

You may be more suited to borrowing money from an online lender. Online lenders, who are often referred to as payday lenders, can be more lenient when it comes to approvals. At Nifty, we offer loans for people on Centrelink 24/7 when you apply online. We endeavour to get back to you with an outcome within 60 minutes after you’ve submitted your application* (if you apply within our business hours). 

Can I get emergency money fast?

At Nifty, we offer emergency cash loans for when you need money fast. We aim to get back to all of our applicants with an outcome within 60 minutes of their application (if applied for within our business hours). At the latest, we endeavour to provide same day cash loans so that you can use your emergency cash fast. 

Applying with Nifty Loans is easy with our straightforward and simple online application. It takes most of our applicants less than 10 minutes to apply for a personal loan. We offer three types of loan options: small loans, medium loans and large loans. 

Small loans are for amounts between $300 and $2,000; medium loans are for amounts from $2,001 to $4,600 and large loans are for any amount between $5,000 and $10,000. Any loan amount above $2,000 is a secured loan and will therefore require an asset as collateral. For more information about our loan options available to you, visit our costs page.

What can I use my emergency cash loan for?

Not sure what to use emergency cash for? Here are the top five reasons people take out emergency cash loans with Nifty.

What if I have bad credit?

Searching for ‘24/7 instant cash loans for bad credit’? Traditional lenders will often see a bad credit history and look no further. Here at Nifty, we like to take a different approach to lending. We like to look at your financial situation as a whole. While we do conduct credit checks on all of our applicants, we will not let a bad credit score stop you from borrowing money with us. 

We will look at your current finances, through things like your bank statements, to get a realistic idea of your capacity to repay a loan. We use a bank statement service called Credfin to access copies of your bank statements to see your income and spendings. If you have the means to repay your loan, even with bad credit, we may be able to pair you with a loan.

Who is eligible?

We have a few eligibility requirements that all of our loan applicants must meet. Please ensure that you meet all of these requirements before you apply.

  • You are at least 18 years old
  • You are an Australian citizen or Permanent Resident
  • You have had a consistent income into your bank account for the last 90 days
  • You have an active email address and mobile number
  • You have internet banking set up

What documents are required?

To streamline your application process, please ensure that you have these documents ready when you apply.

  • 100 points of identification
  • Your basic personal information (name, D.O.B, address etc.)
  • Online banking login details (so we can access read-only copies of your bank statements)
  • The reason for your loan application
  • Your myGov details (if you receive Centrelink benefits)

Need 24/7 cash loans for unemployed? Apply with Nifty

If you’re ready to apply for a loan today, our online loan application is simple and easy. Simply follow these steps and apply for a loan today!

Step 1: Apply online

Step 2: We assess your application

Step 3: If your application is approved, review and sign your contract

Step 4: Receive your money

Apply Now

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 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 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 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.