Bad Credit Loans Australia Guaranteed Approval? Nifty Investigates

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Searching Bad Credit Loans Australia Guaranteed Approval? What You Need To Know!

Can I get bad credit loans in Australia with guaranteed approval?

Bad credit loans Australia guaranteed approval” or “quick cash loans for bad credit” online – we know heaps of Aussies head to Google to hunt down lenders claiming to offer these types of loans. Here at Nifty Loans, we know that when time and cash are tight and your breathing room is running out, all you’re really looking for is quick cash to relieve some pressure.

It’s time to stop searching for bad credit loans Australia guaranteed approval and start your application with Nifty Loans. Why? Nifty is different compared to traditional lenders. We are fast, easy and even better – we adhere to responsible lending practices as well as transparency. You can always trust us to provide you with the loan that suits you and your financial situation best. 

We offer quick cash loans for all types of credit history – the good, the bad and the ugly! While we cannot offer bad credit loans Australia guaranteed approval for all our applicants, but we do guarantee that our team of loan specialists will do their best to approve your application. We cannot approve every applicant due to our responsible lending practices. However, we have a different approach to bad credit and aim to look at the bigger picture. When assessing applications, we look at your current relationship with money and your bank statements as well as your credit score. As a result, you have a better chance of getting a bad credit loan!

bad credit loans australia guaranteed approval

What types of bad credit loans can Nifty offer you?

You can apply for cash loans of up to $5,000 with bad credit. Repayment periods depend on the amount you choose to borrow. Here’s the types of bad credit loans you can apply for:

Loan Type 


Loan Term

Small Bad Credit loans

$300 – $2,000

9 – 12 months

Medium Bad Credit Loans

$2,001 – $4,600

9 – 24 months

Large Bad Credit Loans

$4,600 – $5,000

9 – 24 months

Our small loans are unsecured, meaning you don’t need to provide a collateral as security. These bad credit loans can be repaid over a 6 to 9 month period If you opt for a larger loan amount – any loans above $2,000 – your loan may need to be secured. Larger loans are often secured by equity, such as a motorbike, car, boat or caravan.

If you’re looking for bad credit loans Australia guaranteed approval, you can apply for cash loans for bad credit 100% online with Nifty instead. It takes only minutes to complete an application and there’s no cost to submit an application. Whether you have bad credit, are looking for no credit check loans guaranteed Australia, or receive Centrelink – Nifty Loans may still be able to help when you need loan outcomes fast.

Searching for Bad Credit Loans Australia guaranteed approval? Find a lender you can trust Instead

We are an online, short-term lender that is committed to helping Aussies apply for cash when they need it. So, whether you’re looking for no credit check loans guaranteed Australia or bad credit personal loans guaranteed approval Australia – Nifty Loans might still be able to help. As a responsible lender, we cannot provide guaranteed approval on your application. However, we can guarantee a fair go at receiving bad credit loans when you need finance most.

Am I guaranteed approval?

When you find yourself searching for ‘bad credit loans Australia guaranteed approval’ or ‘guaranteed loans no matter what’, apply with Nifty Loans instead– we’ll assess applications based on every individual situation and get you fast outcomes.

When expenses are tight and you need cash fast, you may find yourself looking for bad credit loans Australia guaranteed approval. You may crave that peace of mind, knowing you have guaranteed approval for the cash you need. At Nifty Loans, we understand. However, as responsible lenders, we cannot offer guaranteed approval.

Don’t let this get you down, though. When you’re looking for bad credit loans Australia guaranteed approval, you’re probably looking for a lender who understands that life doesn’t always go to plan. You can always trust our commitment to conduct a fair and thorough assessment of your application so we can determine how best to help. Rest assured, we will never approve anyone for a loan they cannot afford to repay.

When you’re hit with the regular windfall of bills, and then your car – the staple of your busy life – breaks down, there can be very little room in your budget for car repairs. If you decide that a personal loan is the best option for you at the time, Nifty may be able to help you get back on the road in no time at all.

How can I improve my chances of approval?

If you have been googling guaranteed approval, there are things that you can do that may increase your chances of approval. As a Nifty guide, we have noted down some things you could look at doing.

  • Check with the lender first: It never hurts to give a potential lender a call or shoot them an email before applying. They are often able to discuss with you your individual circumstances and see if there is anything extra information you should provide when applying or if there is anything obvious that may make you ineligible. This will help you narrow down who you will have the greatest chance of approval with. 
  • Provide correct information: At the end of the day, borrowing money is largely based on trust. If you provide false information on your application, even by mistake, this can negatively impact your chances. At the very least, this may slow down the assessment process or require you to provide extra documents. Make sure you read and understand the questions on the application form and answer them as honestly and completely as possible.
  • Look at improving your credit history: This isn’t something you can do overnight, but it is something you can work towards. There are many ways that you can go about this and it often isn’t an exact science. Some things you can do though include making sure you always pay your bills on time, don’t apply for funds too often or funds that you dont require and try to avoid credit defaults and other adverse information. 
  • Dont apply for more than you need: As a part of a lenders assessment, they need to check two important things; Is the loan repayments going to be affordable and is it going to be fit for purpose. This is why you should only ever apply for the amount you need, as applying for too much may be unaffordable or not be unnecessary.
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Here's a Nifty question!

Have you thought about ways that you could improve your chances of approval?

Who is eligible to apply for a loan?

When applying with us, there are a few eligibility requirements you must meet. Before you apply, make sure that you are:

  • Over 18 years old;
  • An Australian citizen or permanent resident;
  • Receiving a regular income into a personal account for at least 3 months prior to applying;
  • Able to provide an active mobile number and email address;

After you check off these requirements, you’re ready to apply with Nifty.

What you need handy when you apply

When you’re searching for bad credit loans Australia guaranteed approval, it’s good to know what you need before you apply. Our application is 100% online, so you don’t have to fill out endless paperwork or wait in long lines at the bank. 

Having these details handy will save you time when you come to fill out your application:

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

How to apply

Although we can’t offer bad credit loans Australia guaranteed approval, we can try to help you with the bad credit part. All loan approvals are subject to a fair assessment of each individual application. However, we like to look at the bigger picture – i.e. your current financial situation – rather than solely relying on your credit score to determine your eligibility for a loan.

To apply for bad credit loans simply follow these three easy steps:

Step 1: You apply online

To get started, just scroll up and fill out our loan calculator. Firstly, select how much you wish to borrow and for how long. We’ll then show you how much your weekly, fortnightly or monthly repayments will be for that amount and repayment period.

Once you are happy with your loan terms, click the Apply button and then you just need to submit a few more details. Easy, right? 

Step 2: We assess your application

After you submit your application, our team of loan specialists get to work assessing your application.Our team will aim to have an outcome within 60 minutes (if you apply during business hours). Timing will depend on whether our team needs any extra to assess your application. Just sit tight and keep an eye on your phone and email. We’ll get in touch as soon as we can.

Step 3: Cash straight to your bank

If we approve your application, we’ll send over an electronic contract for you to review and accept (if you’re happy, of course). Once you have accepted the terms of your contract, we’ll schedule your cash for transfer. That’s cash straight to your pocket. Access to funds is subject to inter-bank transfer times. Most of our clients receive the funds instantly after signing (when they are with an NPP enabled bank).

That’s it! Just three simple steps and you’ve applied for the cash you need. Our team works fast because we know that emergencies aren’t planned, nor do they wait for anyone. We work to give you the cash you need to help get your finances back on the straight and narrow. So, if you’re looking for poor credit finance guaranteed approval, we’ll do our best to help.

What Costs are Included?

When you think short-term lending, your mind may conjure images of shady shopfronts and flickering neon signs reading “bad credit loans Australia guaranteed approval” or “bad credit cash loans guaranteed approval.” Nifty Loans is here to change that persona. We think that short-term lending can be a viable option for those Aussies who need access to quick cash and don’t want the fuss of a big bank. We also want to be 100% transparent about our loan costs and fees, so there are no surprises during your loan term.

The actual cost of your loan is subject to an individual assessment of your application, the loan amount you applied for and your repayment terms. However, the exact costs will always be listed on your contract before you sign. However, before you apply for a loan, you can also find some examples of our basic costs at the bottom of this page for the following loan types:

Search Term

Loan Amount


Small Bad Credit Loans


Medium Amount Cash Loans


Large Personal Loans


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

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 the loan. Other payable fees and charges may also apply. If you have any questions regarding the charges and fees associated with your loan, please don’t hesitate to get in contact with our team.

Repay your loan with ease

After you’re approved, the next step is repaying your loan! Lucky with Nifty, you can repay your loan with ease. After we approve your loan, we set up a direct debit with a nominated bank account and your repayments will be deducted automatically! It’s that easy – all you have to do is keep track of your repayments and make sure you have enough funds in your account. No need to schedule hundreds of reminders, only to forget to send off the cash. Repay your loan without the added stress of complicated repayments.

Do we conduct credit checks?

If you’re searching for ‘no credit check loans guaranteed’, then you may have experienced difficulty when applying for finance you need. You may have bad credit, or be nervous about your loan approval. 

We do conduct credit checks on applications. However, your credit score isn’t the only thing we are concerned with. Our team also examines your current relationship with money. That’s why we ask for your internet banking details, so we can pull read-only copies of your bank statements. Don’t let the fact that we conduct credit checks deter you from applying. We believe in second chances and that’s why we accept all eligible Aussies, even if they have bad credit. Apply online now for cash loans for bad credit today!

Do we offer cash loans for people on Centrelink?

Yes, we do! If you’re receiving Centrelink payments, you may have been previously knocked back for finance. Well, we’re glad you found us! For the most part, we classify most Centrelink payments as regular income if you’ve been receiving payments for at least 3 months into a personal bank account. We offer cash loans for people on Centrelink because one thing shouldn’t define your entire application.

Why Apply with Nifty?

Not sold? When it comes to why you should apply with Nifty, we are just at the beginning!

1. Painless lending

When you’re looking for bad credit personal loans guaranteed approval Australia or bad credit cash loans guaranteed approval, the last thing you need is a painful application. We will always conduct a thorough assessment of your income, expenses and current relationship to see if we can offer a suitable loan product.

Therefore if you’re looking for guaranteed approval loans for bad credit applications, you’re welcome to apply with Nifty Loans – we’re ready to give you the fair go you deserve.

When you apply with Nifty, there’s no need to jump through pointless hoops. Instead, travel through a streamlined tunnel to handy pocket cash. Here’s how we deliver a headache-free ending:

2. 100% online

Our lending service is 100% online. Our application, customer service and money transfers are all completed electronically. There’s no need to waste your valuable time in endless lines and pointless meetings. So, whether you’re filling out your application on your lunch break or snuggled into your favourite armchair, Nifty is always there for you.

3. Zero paperwork

At Nifty, we try to think of everything. That includes the trees. So, our application is 100% online and paperwork free! All you need to do is send us a few details and we’ll find the info we need to assess your applications. No paper required!

4. Quick assessing

We know that time is of the essence when emergencies strike. So, our team works hard to deliver 60-minute turnarounds if you apply during business hours. If you need to apply outside of business hours, that’s fine! Our team will work on your application by the next business day.

5. No Application fee or early payout fees

In a world of handling and booking fees, it’s hard to believe that an online service is free to use. Well, Nifty is different. There are no unpredictable fees associated with Nifty. You only start paying after your loan is approved and you receive your cash. Been good with your finances and want to pay off your loan early? Great! We won’t punish you with any early payout fees.

If you want to know more about our costs, visit our page.


Here's a Nifty fact!

Nifty has a 4.5/5 star rating on google reviews!

Let’s be friends

So, if you have bad credit or receiving Centrelink benefits, we can help!

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter, Google + and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Want to know more? Nifty investigates loans comparison.

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Andy Andy


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 Loans

Large Loan Example


Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
EEstablishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
6 - 9 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
6 Months, (24 weekly repayments
EEstablishment fee:
Total other fees:
Total payable:
Weekly installments:
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.