There is nothing more panic-inducing than being short on cash when an unexpected emergency strikes. You may also be worried about applying for finance if you have bad credit. The big banks tend to have an old-fashioned approach to bad credit. If they say ‘no’ to your application, then you could apply with Nifty for a fresh take on bad credit. If you’re searching furiously on Google for ‘bad credit personal loans guaranteed approval Australia’, then Nifty is a lender that is ready to help! Nifty does not claim to offer bad credit personal loans guaranteed approval Australia. However, we will guarantee you a fair go when it comes to a personal loan.