Looking For Bad Credit Personal Loans Guaranteed Approval Australia?

Andrew Bell

Last updated: July 16, 2020

• 14 minute read

14 minute read

Let’s talk about bad credit loans!

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.

Are bad credit personal loans guaranteed approval Australia a real thing?

Find yourself searching for bad credit personal loans guaranteed approval? Then you probably need a lender that can look at more than just your credit score. Nifty is a lender that has a fresh take on bad credit finance. We do not offer bad credit personal loans guaranteed approval Australia. Rather, we will do our best to ensure you get a fair go.

If you’ve spent any time on google then you probably already know that there are a variety of online lenders out there. Many do claim to provide bad credit personal loans guaranteed approval Australia. At Nifty, we do not guarantee anything that we can not deliver. Although we do our best to find a suitable loan product for applicants with poor credit we can not make any guarantees on approval. Nifty is committed to honesty and transparency. That means what you see is what you get. We won’t make any false promises.

Here's a Nifty question!

Have you been offered guaranteed approval before applying with a lender? Be wary, especially if they also ask you to pay for an assessment in gift cards

When you apply with Nifty Loans, expect a different take on lending

If you’re struggling to get a loan because of bad credit, you could apply for a bad credit personal loan with Nifty. We won’t judge you based solely on your credit score. Although we do check your credit report, we consider several other factors. Your current financial situation is our main concern. So, if you’d like to find out whether you could qualify for a personal loan from Nifty with bad credit, simply complete an application. One of our team will get back to you with an outcome. if you apply during AEST business hours this could be within 60 minutes.

You might be surprised. Nifty could offer a personal loan for a wide variety of expenses. Cosmetic surgery loans, IVF loans, travel loans, renovation loans, even loan for people who are unemployed – Nifty could assist you.

What exactly are bad credit unsecured personal loans?

You would be surprised to know that there are many Australians out there who are concerned that their credit score could stand in the way of a personal loan. At Nifty, we understand that sometimes life just happens. We know all Aussies experience stressful situations and sometimes this can result in a mark against their credit score. So, if this sounds like you, you’re in luck. While big banks and other lenders may close their doors on bad credit, Nifty will take a realistic and down to earth approach. We cannot provide guaranteed approval on your application, however, we can guarantee a fair go if you’re searching for bad credit loans or no credit check loans.

At Nifty, we offer bad credit unsecured personal loans with very fast approval. That does not mean approval is guaranteed or instant. It means our team do their best to get you an outcome as soon as possible. When you apply for an unsecured personal loan, you may get an outcome on your application within 60 minutes (during normal AEST business hours).

What are Unsecured Personal Loans Bad Credit Instant Decision?

Emergencies are like a bolt of lightning, they can strike with no real warning. When an emergency hits you and you need to borrow cash fast for dealing with it, you may consider getting a personal loan. However, if you have bad credit, you’ll seek lenders who offer guaranteed approval loans for bad credit applications.

Instead of searching for bad credit personal loans guaranteed approval, just look for Nifty Loans. We offer a fresh take on bad credit and a variety of unsecured loans for most circumstances. We don’t take one look at your credit score and stamp no. Our team of loan specialists look at your current relationship with money as well.

Our unsecured personal loans range from $300-$2,000 and you don’t have to provide equity to secure this loan. If you’re approved for an unsecured personal loan with Nifty, you could get your cash immediately. If your individual bank supports instant bank transfer (NPP) then the money could hit your account in just 60 seconds. Otherwise, fund processing times are subject to interbank transfer times but the latest you could receive the funds would be overnight.

What are Short Term Unsecured Personal Loans Bad Credit?

If you’re searching for short-term unsecured personal loans with bad credit, then Nifty Loans is the lender for you.

Skip the big banks. Banks and traditional lenders might judge you based solely on your credit score and they may not approve you for a loan if you have bad credit. Nifty does not offer guaranteed approval before assessing your application. But, don’t panic. You still have hope and that hope comes in the shape of Nifty’s short-term unsecured personal loans bad credit. Short-term unsecured personal loans are loans that range from $300-$2000 and need to be repaid within a period of 6 to 9 months.

With us, you may qualify for a loan with bad credit so long as your current relationship with finances is okay. We consider several factors when assessing a loan application and credit is just one of them.

What are Unsecured Personal Loans Bad Credit Long Term?

At Nifty, we understand that life throws curveballs at you that can lead to bad credit. However, no one said that bad credit should be a lifelong punishment. Many traditional lenders won’t lend to someone with bad credit and will reject their loan application without even giving it any consideration. We believe that this isn’t fair and all borrowers should be given a fair go.

That’s why we offer unsecured personal loans bad credit for the long term that may help you get out of a dire situation. These loans range from above $2,000 and you can repay them over a period of 9 to 24 months. You may qualify for an unsecured personal loan from us with bad credit because we consider several factors when assessing your loan application. Credit is just one of them. You shouldn’t be punished for the mistakes you made in the past, so we’ll give you a fair chance to qualify for a loan. If your finances are okay, you may just qualify for an unsecured personal loan with Nifty.

What are Quick Unsecured Personal Loans Bad Credit?

As responsible lenders, we can’t guarantee approval. But, don’t let that deter you from applying with us. When you’re searching for bad credit personal loans guaranteed approval Australia, you’re probably looking for a lender who won’t judge you based solely on your credit score.

You can trust us to conduct a fair assessment of your application to determine an outcome that’s best for you. Rest assured, we’ll never approve you for a loan that you cannot afford to pay back. We don’t want you to sink into financial hardship because of a personal loan. When you’re hit with a medical emergency or your car breaks down and you decide that you need a personal loan, Nifty may be able to assist you.

You can complete a Nifty Loans application for bad credit customers in just a few minutes. So, if you’re searching for guaranteed approval loans for bad credit applications, with smart and quick results, Nifty Loans is the right place for you. We may not offer guaranteed loans no matter what, however, we do offer every Nifty applicant a fair go at finance, whether they have bad credit, looking for no credit check loans guaranteed Australia, or receive Centrelink. Nifty Loans has your back when you need loan outcomes most. So, don’t hesitate to apply for an unsecured personal loan with Nifty.

What Are Bad Credit Secured Personal Loans?

If you’re looking for a lender to give you a fair go then Nifty is the lender you’ve been searching for. Our team will do their best to give you the finance you need. We welcome any Aussie to apply, bad credit and all. At Nifty, we offer bad credit secured personal loans. You may qualify for these loans even with a poor credit score so long as your current financial situation is stable. Bad credit secured personal loans range from $2,100 to $5,000. You’re required to provide equity to qualify for these loans. Nifty Loans is committed to responsible lending, our team will conduct a thorough assessment of your loan application before any decision is made.

Why loans are not guaranteed before an assessment is conducted

Nifty Loans will always strive to offer our speedy loan services in a responsible manner. We never offer guaranteed approval before an assessment is conducted as we adhere to responsible lending guidelines. 

This means we will always conduct an assessment of a customer’s financial situation to determine if the loan is suitable and affordable for that individual. With these rules in place, it ensures that we do not offer a loan that a customer cannot pay back and potentially putting them in a worse off position than before. To adhere by responsible lending guidelines in making the assessment:

• We will make enquiries about a customer’s requirements and objectives for the loan, including how much is needed, the reason for the loan and the time frame required to make the repayments.
• We will make enquiries about the individual’s financial situation, including asking questions regarding income, expenses and employment status. 
• We will obtain a minimum of 90 days of bank statements, which we are required to do by law. We use these both as a form of identification and a means to assess finances. We access electronic bank statements, with permission, as a quick and effective way to gather and analyse information. 
• We will, before offering final approval, perform credit checks to gain further insights into financial situations. 
• We may also request additional information regarding an application, such as payslips and statements, where it is warranted.

Although this seems extensive, we are able to provide fast outcomes and loans by using the latest in cutting edge technology and automating many of our processes. We pride ourselves on being compliant and efficient in processing loan applications and getting the outcome as soon as possible, all while acting as a responsible lender.

Here's a Nifty fact!

Nifty Loans has an Australian Credit Licence, number 514 260, and follows responsible lending requirements.

Are You Eligible For A Bad Credit Personal Loan?

At Nifty, we do not offer bad credit personal loans guaranteed approval Australia. But, we do promise to give you a fair go on bad credit personal loans. Feel free to apply for a loan with Nifty if you meet the following basic eligibility requirements:

• All applicants must be at least 18 years old
• You must be able to prove you are an Australian Citizen or Permanent Resident
• All applicants must have been receiving a regular income into a personal bank account for at least the last 90 days
• An active mobile number and email address

How do I apply for a bad credit loan?

Applying for a bad credit personal loans with Nifty takes only a few minutes. Just follow these simple steps to apply with Nifty:

Complete The Online Application

Scroll to the top of the page and use the loan calculator to select the amount you need to borrow. You will also be required to select the time you need for paying it back. Done? Now click the ‘apply now’ button and complete the application. Don’t worry, it only takes minutes to complete.

Our Experts Assess The Application

Once you have completed the application, our experts will review it to determine if you are eligible for the bad credit personal loan. You may get an outcome within 60 minutes (if you apply during normal business hours).

We Complete The Transfer

If all goes well and you are approved, we will transfer the funds the same business day (if approval comes during normal business hours). Depending on if your individual bank supports instant banking you could have the cash in your account in just 60 seconds. However, if not, the money will hit your account in the next working day.

Benefits of Getting a Bad Credit Personal Loan from Nifty

If you’re searching for bad credit personal loans guaranteed approval Australia, then we’re glad you found your way to us! After hearing about our fresh take on bad credit, you may still wonder “Why you should apply for a loan with us?” Well, we have plenty of reasons as to why we are a better option than lenders that offer bad credit personal loans guaranteed approval Australia. We’ll lay down a few benefits that you will get from applying for a loan with Nifty.

A lender you can trust

Nifty is 100% online. We’re a 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 have what you need!.

No Nasty Gimmicks

Lenders who offer bad credit personal loans guaranteed approval Australia may lie to you and impose hidden charges and fees. At Nifty, our loan products are free from all kinds of nasty gimmicks. You’ll know exactly what you’ll be paying for when you apply for a bad credit personal loan with Nifty. All the costs are outlined in your loan contract.

No Charges For Early Payment

If you borrow from us and want to pay off your loan early, we won’t charge you any extra fees for it. In fact, we encourage borrowers to pay off their loan early. You may be able to save a few bucks by paying off your loan before the end of the loan term.

Simple Repayments

When you get a bad credit personal loan from Nifty, you won’t have to worry about forgetting to make loan payments. That’s because we’ll set up a direct debit that’ll automatically come out of your account on the day you agree with us. This is generally in line with your payday. This way you won’t have to worry about repayments, you just need to ensure the funds are available on your repayment day. When you finish repaying your bad credit personal loan, the payments stop.

We Hide Nothing From You

If you are approved for a bad credit personal loan with Nifty, we’ll extend you a loan contact with all possible costs and charges. We are 100% transparent about our loan products and costs. Costs differ depending on the borrowed amount. So, before completing your loan application, check out what your loan could cost you.

Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.

We Can Help You!

That’s right. Nifty helps you get the cash you need! We have already helped lots of happy customers and you can be our next! Apply today.

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