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

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!

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 two types of loan options: medium loans and large loans.

Medium loans are for amounts from $2,500 to $4,600 and large loans are for any amount between $5,000 and $10,000. Any loan amount above $5,000 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?

Icon of a car with it's bonnet open
Car repairs
Icon of a paint brush
White goods
Icon of a hand holding a coin
Rental bond
Icon of a heart
Dental expenses
Icon of a plane
Holiday expenses

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)

Ready to Apply?