Bad Credit Loans
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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
So simple and non intrusive!
Wonderful, simple easy, filled it out at lunch time and had the money by 5pm. No unexpected costs or issues. Extremely satisfied, thank you for getting me out of a Jam! Quick and easy and easy to repay!
Grace G
Prompt and easy to deal with
Nifty are always prompt and easy to deal with.The process of applying and repaying is simple and I have utilised niftys service multiple times because of this.
Andrew W
They were so easy to deal with!
They were so easy to deal with and super fast! From the application to approval & getting the funds in 24 hours. I also had to call to change some details and they were super friendly & accommodating. Highly recommended!
Angela R
Very happy with the service!
The process with Nifty is very easy. If you’re in need of a small loan, I’d recommend this company. I was approved within an hour and had my money by 7pm that night. Very happy with the service! Thanks Nifty!
Holly A
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:
- Complete your loan application;
- Our team assesses your application and gives you a quick outcome;
- 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.
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
What types of loans do you offer?
We are small loan specialists. We offer personal loans from $300 to $2,000 for those little expenses you need covered fast.
Can I get debt consolidation bad credit?
We offer debt consolidation loans, meaning that you could apply for a debt consolidation loan with bad credit.
How much do your fast loans bad credit cost?
The fees and charges on our loans will be made clear and transparent to you in your loan contract — there are no hidden fees! However, some fees and charges you might expect include interest, monthly fees, establishment fees, and late fees (if applicable). Your interest rate may be influenced by your current credit score.
Do you conduct credit checks?
Yes! Nifty Loans is a responsible lender — this means we conduct credit checks on all of our applications. However, we put more emphasis on your current financial situation. If you currently have the ability to manage a loan, we might be able to provide you with an online loan.
How do you assess bad credit loans?
Our loan processing engine extracts read-only copies of your bank statements when you submit your application. This information is used to generate an application score, which is looked at by our underwriters to complete their financial assessment. Our underwriting team will conduct a credit check and verify all of your details before deciding whether one of our fast cash loans bad credit is suitable for you.
*If you apply within our standard business hours. Subject to individual assessment. 60-minute outcomes are not guaranteed.
**If you have an NPP-enabled bank account.