Bad Credit Loans Australia - Second Chance Loans | Nifty

Bad Credit Loans

Apply now for:

Fast Personal Loan

up to $5,000

or

Car Loan

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

Estimated repayments:

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Don’t let a bad credit score hold you back any longer. Turn to Nifty Loans when you need small loans for bad credit.

  • 100% Online
  • Easy Application
  • Quick Outcomes
  • 60-Second Transfers*

Need a bad credit personal loan?

Getting a loan with bad credit history can be difficult. Thankfully, Nifty Loans looks past a bad credit rating when assessing personal loan applications. We look at other factors to determine whether one of our personal loans for bad credit is suitable for you.

We endeavour to deliver our outcomes within 60-minutes*, making us one of the fastest lenders in Australia! Once approved, you could have your cash ready to use in 60-seconds**.

Bad credit loans Australia, anywhere, any time

Here at Nifty Loans, we operate 100% online across Australia. This means you can apply for $300 to $2,000 anywhere, any time. We are proudly Australian owned and operated. We exist for one simple purpose: to make accessing short term loans quick and easy for everyone! Whether you have good credit or poor credit, apply for a loan with Nifty Loans for a fair go. *Get cash in 60-seconds once approved* * with an apply button module

*Cash in 60 seconds is only available for NPP enabled bank accounts.

ⓘ Loan Disclaimer

Need a bad credit personal loan?

Getting a loan with bad credit history can be difficult. Thankfully, Nifty Loans looks past a bad credit rating when assessing personal loan applications. We look at other factors to determine whether one of our personal loans for bad credit is suitable for you.

We endeavour to deliver our outcomes within 60-minutes*, making us one of the fastest lenders in Australia! Once approved, you could have your cash ready to use in 60-seconds**.

Bad credit loans Australia, anywhere, any time

Here at Nifty Loans, we operate 100% online across Australia. This means you can apply for $300 to $2,000 anywhere, any time. We are proudly Australian owned and operated. We exist for one simple purpose: to make accessing short term loans quick and easy for everyone! Whether you have good credit or poor credit, apply for a loan with Nifty Loans for a fair go. *Get cash in 60-seconds once approved* * with an apply button module

Our Happy Customers

We don’t stop there

No matter what the occasion is, Nifty has your back.

How does it work?

Apply for a Nifty loan in three simple steps:

  1. Complete your loan application;
  2. Our team assesses your application and gives you a quick outcome;
  3. Receive your cash.

How Nifty can offer loans for people with bad credit

Nifty Loans believes that a credit score doesn’t always tell us everything we need to know. We offer cash loans bad credit up to $2,000 for when you need cash and don’t have time to wait. We’re fast, we’re fair, and we’re ready to help you.

Our technology
Our speed
We’re Australian
100% online

We developed our own advanced loan processing engine, with our customers' needs first in mind, so that we could provide fair loans to everyone, no matter their credit score.

Not only do we process loans quickly, but we deliver them quickly too. Our team aims to process all loan applications within 60-minutes* and if you have an NPP-enabled bank account, which is 90% of bank accounts, you will have your cash in your bank account in 60-seconds**.

We are completely Australian owned and operated. Our team is based in Brisbane, Australia, so we understand your needs. If you need a hand with anything, our customer service team is ready to speak with you on the phone.

We operate 100% online, which means there’s no need for paperwork or long waiting times. You can apply whenever you need cash fast without the hassle of old-fashioned application forms. We developed our application to be as simple and easy as possible.

Am I eligible for a bad credit loan?

To be eligible for one of our same day loans bad credit, you need to:

  • Be at least 18 years old;
  • Be an Australian citizen or permanent resident;
  • Have had a consistent income for the last 90 days;
  • Have an active email address and mobile phone number.

What supporting documents do I need?

Before we can approve your loan, we will need the following supporting information:

  • Personal details (e.g. name, address, date of birth);
  • 100 points of ID;
  • The reason for your loan;
  • Online banking details.

Frequently asked questions

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