*During normal business hours.
*Only available for NPP enabled bank accounts
- It's possible with Nifty.
Have you been looking for a lender who provides consolidation loans for bad credit? At Nifty we are proud to have helped lots of happy Aussie customers get the cash they need to consolidate their debts. The best part is we are 100% online. That means there is nothing stopping you from applying for a consolidation loan wherever you are and whenever you like! We want to give all Australians the ability to access fair and reasonable loans. So, if you need to pay off a few bills, Nifty could be the lender you’ve been looking for. Why not let us see what we could do for you?
Wondering what a consolidation loan for bad credit actually is? Basically, it is a consolidation loan that is approved for people with poor credit scores. A consolidation loan essentially collates all of an individual’s debts into one regular repayment. If you have lots of little loans it might be easier to turn them into one bigger repayment. Consolidating your debt can mean that payments are easier to make. Often, applicants for consolidation loans are managing multiple repayments which all have different interest rates. When debts are consolidated, it is not only easier to remember, but it also means that all debt is repaid on one interest rate.
So, who are we at Nifty? Nifty is the lender with a difference. We do our best to give all Aussies the fair go they deserve when it comes to loans to pay off debt with bad credit. We understand that life can throw a whole lot of curveballs. When an unexpected expense has snuck up Nifty is the lender you can turn to for a fair go. We will not guarantee approval for every single applicant. However, we can guarantee that our team will carefully assess your loan and make a decision based off more than just your credit score. We know that mistakes happen. Bad credit can leave a mark against your name for up to 7 years! Our team takes a realistic look at your finances in order to ensure a consolidation loan is the right option for you.
At Nifty, we are responsible lenders. What does that mean? Basically, being a responsible lender means that we take lending very seriously. Our team will never lend cash to anyone who we think will not be able to meet the minimum repayments. At Nifty, we are all about promoting financial health and wellbeing. When you choose to apply for an unsecured debt consolidation loans bad credit with Nifty, know that we will never promise you anything that we can not deliver. Our team is all about honesty and transparency. We want to achieve the best outcome for you.
So, if you’ve been thinking about consolidating your debt then why not apply with Nifty today? The application itself costs nothing. If you choose to apply during regular AEST business hours our team could even have an outcome for you in 60 minutes. So, what are you waiting for?
A consolidation loan means that all debts are consolidated into one regular repayment. Often, this is done to avoid varying interest rates across multiple loans. Consolidating debt can also mean that the repayment process is easier. Because you do not have to remember to make lots of little deposits, applicants may see this as much more convenient. If you’ve been wondering whether or not a consolidation loan is right for you, you can also contact an independent legal or financial counsellor for advice. Although if you do decide that one of our consolidation loans are right for you, go ahead and apply. The good news is, when you apply with Nifty, we do not charge anything to have a consolidation loan application assessed.
Our team takes a realistic look at your finances to ensure a consolidation loan is appropriate for you. We do not want to cause you any further financial stress and therefore take this process very seriously. If you choose to apply during regular AEST business hours our team could even get back to you with an outcome in 60 minutes. We will be honest and upfront – we don’t want to waste any of your precious time. So, what are you waiting for? If you’ve been thinking about consolidating your debt why not scroll up and apply with Nifty today!
Ask yourself what are the pro's and the con's for each of your options.
There are several bills you can look at consolidating if you find managing the number of repayments difficult to keep track of. Some examples of these bills are:
Before consolidating your bills you should always compare the interest rate or fees that are associated against your current bills, to ensure you can afford the repayments and that consolidating doesn’t end up costing more in the long run.
So, I bet you’re wondering… ‘but what if I have bad credit?’ At Nifty, we know that life happens. Consequently, sometimes bad credit is unavoidable. Our team doesn’t think a mark against your credit rating from 7 years ago should really affect your ability to consolidate your debt now. We look deeper to get a better idea of your current financial situation when you apply for a loan to pay off debt with bad credit. The Nifty team works hard to carefully assess your application and get back to you with an outcome as soon as possible! So, if you’ve been thinking about an online debt consolidation loan bad credit then you could scroll up and submit an application now!
Have you been googling ‘guaranteed debt consolidation loans for bad credit’ or ‘debt consolidation loans for bad credit online decision’? At Nifty, we do not guarantee approval for every single applicant. Our team will do their best to match you with a loan product to suit your individual situation, however, sometimes this is not always possible. The Nifty team is all about responsible lending, so that means if a consolidation loan for bad credit is not right for your financial situation we will be honest. We don’t want to waste your time and we certainly don’t want to get you into further debt.
At Nifty, we want to promote positive relationships with money. Our team will always be upfront and honest regarding whether a consolidation loan for bad credit is the right move for you. If you’d like to get in touch you can send us a message and we will get back to you as soon as possible!
At Nifty, we like to make it as straightforward as possible to access a consolidation loan for bad credit. We will not ask you to fill out mountains of unnecessary paperwork or wait weeks for approval. Our team works hard to match applicants with appropriate loan products. So, here’s what you’ll need to say ‘yes’ to if you are planning on submitting an application for an online debt consolidation loan bad credit:
We won’t ask you to provide lots of unnecessary documents when you apply for an unsecured debt consolidation loans bad credit with Nifty. We like to stick to the basics. So, here’s what you’ll need to provide us with:
Are you wondering why we require your online banking information? At Nifty, we don’t base our assessment solely off your credit score. That means we look deeper. Our team requires your online banking details in order to access read-only copies of your bank statements. We access your bank statements so that we can take a closer look at your income, spending habits and regular deposits. This gives us a better idea as to whether or not you will be able to repay the loan. After all, this is the most important part. There is no need to worry, however, Nifty uses the latest in safe banking technology to ensure your information is always encrypted. That means we will never be able to see your personal details or passwords.
Yes, at Nifty we do conduct employment checks. Our commitment to responsible lending means that we every applicant’s employment status is verified during the loan assessment process. There is no need to worry, this is just a part of the process. Our team is highly trained and experienced in conduct employment checks. So, that means we will never disclose any of your personal information or the reason why you are applying for a loan to your employer. If you have any questions regarding employment check you can get in touch!
Are you thinking ‘could I still get a debt consolidation loans for bad credit online decision if I am receiving Centrelink?’ That’s a good question and one we get a lot. Unfortunately, there is no straight yes or no answer. In some cases, Centrelink can be taken as a form of income. However, in other cases, we are not able to accept Centrelink benefits. If you are unsure, our team encourages you to submit an application – it is completely free! If you choose to apply during AEST business hours you could even have an answer within 60 minutes. We do our best to give all Aussies a fair go at a consolidation loan for bad credit regardless of the circumstances.
At Nifty, we believe in 100% transparency. That means we will be completely honest from the start. Our team will never keep any of our fees and charges a secret. If your loan application is successful, we encourage you to read your agreement carefully and make yourself aware of any fees or charges you could incur for late or failed payment. Our team is here to assist you. So, if you are unsure, simply send us a message and we will do our best to clear up your confusion as soon as possible.
Are you ready to apply? The application itself could only take you a matter of minutes to complete. So, here’s how you do it…
Scroll up and use our loan calculator to select an amount and repayment period that suits you. Make sure that when are looking at the example repayments, that you select something that you think you can afford. When you’re happy click ‘apply now’.
If you’ve chosen to proceed with an application then you will be directed straight to our 100% online application form. This could only take you a few minutes to complete. Once you’ve finished our team will start the assessment and get back to you as soon as possible.
If your application is successful a member of our team will be in touch. We will send over a loan agreement for you to review and sign. We recommend you read your contract carefully and make yourself aware of any fees and charges you could incur for late or failed payment.
Once we receive your signed contract our team will transfer the funds straight to your account. It is important to remember that sometimes inter-bank transfer times can affect the speed at which the cash hits your account. However, we do our best to get you the cash as soon as possible (often on the same day).
At Nifty, we are dedicated to assisting local Aussies when they need it. Take a look at the loans we’ve already approved…
|Search Term – Consolidation Loans for Bad Credit||Amount AUD ($)||Approved|
|Debt Consolidation Loans For Bad Credit Online Decision||2100||✔|
|Loans To Pay Off Debt With Bad Credit||3000||✔|
|Online Debt Consolidation Loans Bad Credit||4000||✔|
Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.Apply Now
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.Read More
$5,000 - $10,000
$2,001 - $4,600
$300 - $2,000
* 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.