Fast Cash Loans Bad Credit | Bad Credit Loans up to $10,000

No fuss.
Just nifty loans.

Get your cash within 60 seconds of approval*

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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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Fast Cash Loans Bad Credit

Nifty Loans offers fast cash loans bad credit from $300 to $10,000, 100% online.

Fast cash loans bad credit Australia are online loans offered to eligible applicants that are in need of short term finance. We offer cash loans with fast outcomes and often deliver outcomes within 60-minutes*.

Easy fast cash loans bad credit

If you have been searching for ‘fast cash loans bad credit no credit check’, you may have a bad credit history and need cash fast. Nifty Loans is a fast loan specialist; we offer fast easy cash loans bad credit to eligible applicants from $300 to $10,000. We offer small loans for people searching for a short term loan; whether you have had emergency medical bills or an unexpected trip to the vet, you can access small fast cash loans bad credit from Nifty to cover your costs.

Nifty Loans is a 100% online lender; this means that we are able to deliver very fast and efficient loans to our customers. We endeavour to deliver loan outcomes within 60-minutes* and support instant transfers on approval; this means you could have your cash within 60-seconds of approval**. 

What are small fast cash loans bad credit?

Fast cash loans bad credit online are a type of personal loan offered to Australians with bad credit history that need cash immediately. We offer three types of online personal loans: small loans, medium loans and large loans.

Loan type Security Loan amount Repayment period
Small loan Unsecured $300 to $2,000 6 to 9 months
Medium loan Secured $2,100 to $4,600 9 to 24 months
Large loan Secured $5,000 to $10,000 9 to 24 months

All of our medium and large loan options are secured personal loans. This means that an asset must be attached to the loan as security; this could be a car, motorbike or even caravan. We offer secured loans because lending money at these higher amounts creates a higher risk for the lender. Secured loans allow us to continue to offer competitive rates on all of our loans.

If you would like a further breakdown of our loan types, please refer to our costs page.

What can I use fast cash loans bad credit OK for?

If you are in need of fast cash, but are unsure whether your expense will be covered by one of our bad credit loans, here are some of the reasons we receive loan applications:

  • Unexpected bills
  • Medical expenses
  • Dental bills
  • Vet bills and pet finance
  • Holiday expenses
  • White goods

How to apply

Applying for a loan with Nifty Loans is simple and easy with our online application form. The application process may take you only a few minutes and we will do our best to get back to you within just 60-minutes*. We help thousands of Australians every day who submit their online applications; we support instant transfers on approval, so you could have your loan payout within 60-seconds of approval**. Follow these straightforward steps to apply:

Step 1: Complete your online application form

Step 2: We will process your application as fast as possible

Step 3: Our team will let you know whether your application was successful 

Step 4: If your application was approved, review and sign your loan contract

Step 5: Receive your cash

Eligibility criteria

We have standard eligibility criteria all of our applicants must meet. If you are unsure whether you are eligible for a fast cash loan bad credit, these are our eligibility requirements:

  • You are at least 18 years old
  • You have a consistent income into your bank account for at least 90 days prior to your application
  • You are an Australian citizen or permanent resident
  • You have an active email address and mobile phone number
  • You have internet banking set up

Supporting documents required

We also must receive copies of your supporting documents along with your submitted application. To apply as fast as possible, and so that our team can efficiently process your loan, it may be helpful to have these documents ready when you apply:

  • 100 points of identification
  • Your basic personal details (full name, date of birth, address etc.)
  • The reason for your loan
  • Your myGov login details (if you receive Centrelink benefits)
  • Your online banking details

FAQs about fast cash loans bad credit online

Can I get a fast cash loan bad credit no credit check?

We are a responsible lender; this means that we must conduct a credit check on every application we receive. We do not provide loans with no credit check. However, we do provide bad credit loans, so your credit score will not be the determining factor in your application.

Do you provide fast cash loans bad credit on Centrelink?

We consider most forms of Centrelink income as regular income. If you meet the rest of our eligibility criteria and have been receiving your government benefits for at least 90 days, we may be able to provide you with a loan for people on Centrelink.

Why do you need my online banking details?

We use copies of your bank statements to conduct a thorough financial assessment of your current situation. We will assess your income and expenses to ensure that you can reasonably pay the loan. If we find that you can manage a loan, even with bad credit, we may be able to provide you with a same day loan outcome.

What are the fees and charges?

The fees and charges will differ based on your individual circumstances. Each of our loan options accompanies different fees; this may include a monthly fee or interest charge. Your interest rate will vary depending on your current financial situation. 

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Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

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.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
Establishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* 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.