Get the lowdown on Fast Cash Loans Bad Credit with Nifty

Andrew Bell

Last updated: July 15, 2020

• 8 minute read

8 minute read

If you’ve been searching for a reliable lender then you probably already know how difficult it can be. There are so many out there, making a decision seems impossible. So, how can you pick the dodgy from the trustworthy – especially when it comes to fast cash loans bad credit! That’s where we come in. Nifty is a lender with a difference. We understand that our customers just want the truth. That’s why we value 100% transparency when it comes to lending. When you apply with Nifty, what you see is what you get.

What Are Fast Cash Loans Bad Credit?

Are you wondering what fast cash loans bad credit actually are? Often times less-than-perfect credit scores can get in the way of your loan approval, especially when you’re after fast cash loans.

At Nifty Loans, we look at more than just your credit score. We will conduct a credit score check as part of our commitment to responsible lending. However, you can be guaranteed that we will look at the whole picture when you apply for a fast cash loan bad credit. We value all of our applications and love helping everyday Aussies get the cash they need as soon as possible.

Nifty Loans: What Sets Us Apart?

If you’re looking for a bad credit loan then you’ve probably typed into google ‘fast easy cash loans bad credit’, ‘fast cash loans online bad credit’, or ‘fast cash loans bad credit no bank account’. The results that come back are can be somewhat questionable. There are so many lenders out there who promise to provide loans with no credit checks at all or lenders who do not even require their applicants to have a bank account of their own. At Nifty, that’s not how we operate. We will conduct a credit check as part of our commitment to fair and reasonable lending, but this only one piece of the puzzle.

Our team does not want to get you into an even stickier situation than you’re already in. At Nifty, we want to promote financial health – that means we want to help you get back on your feet. Our team will always do their best to match you with the best possible loan product for your individual situation, however, we will not and can not guarantee approval for every applicant. We will ensure that you can reasonably afford to make repayments on your loan without getting into uneccessary financial difficulty.

Our team don’t make promises that we can’t keep. What does that mean? Basically, we don’t claim approval for every single applicant because we simply can not give it. If you’re unsure whether or not you could be approved for a loan, we recommend you go ahead and have look through our eligibility criteria and for more detailed information, contact our customer service team.

Apply for Fast Cash Loans Bad Credit in Minutes – Free of Charge!

Thinking of applying? Submitting a loan application with Nifty is free. As soon as you submit an application our team will start the assessment process. If you apply during regular AEST business hours, we could even have an answer for you within 60 minutes. That’s what makes Nifty your local, trusted lender.

Eligibility Criteria

Now that you know a little bit about Nifty, let us tell you who could apply for a fast cash loan bad credit. We like to keep things easy. So, if you can meet the following then you could apply today:

• You must have an active mobile number and email address;
• All applicants must be over the age of 18;
• A regular income must have been deposited into your own personal bank account for the last three months;
• Applicants must have internet banking set up;
• You must be able to prove you are an Australian citizen or permanent resident.

Required Documentation For Fast Cash Loans Bad Credit

When you apply for a fast cash loan for people with bad credit we’ll need you to provide a few essential documents. Our 100% online application process could only take a few minutes to complete. Here’s what you’ll need with you:

• Personal info (name, D.O.B etc.);
• 100-point of identification;
• Internet banking details;
• We will need to know the reason you are applying for a loan;
• Your MyGov details (if you receive Centrelink benefits);
• Employment details and employer contact info;

Pretty simple. At Nifty, we value convenience and speed. We’re always here to help. So, if you’ve got any questions, we encourage you to get in touch!

Why Do We Need You Banking Details?

Many of our applicants ask why we need your online banking details. It’s for convenience! Our team uses your online banking details so we can access read-only copies of your bank statements.

Our lending team uses bank statements to get a realistic idea of your spending habits, regular deposits and payments as well as your income. If you’ve got a poor credit score then this could actually work in your favour. Nifty Loans prefers to look at the whole picture, not just your credit score. Our team looks at your current relationship with money.

We know that bad credit can hang around for up to 7 years and a lot can change over that period. If we can see you’ve made an effort to change then you could be eligible for a fast cash loan bad credit.

Do Lenders Conduct Employment Checks?

Sometimes. As a part of our commitment to responsible lending, Nifty may conduct an employment check. We use an employment check as a way of ensuring you will have the means to repay a personal loan.

Our eligibility criteria states that all applicants must have had a regular income into an account of their own for the last 3 months. An employment can allow our team to verify this. If you’re worried about a member of the Nifty team getting in touch with your workplace there is no need to be. Our team is highly trained and extremely discreet and will never disclose any private information or the reason why you are applying for a loan.

Loans for People on Centrelink

‘Can I get a fast cash loans bad credit or personal loan whilst receiving Centrelink’? We get this question a lot. Unfortunately, there is no way for us to give a yes or no answer. Every situation is different. In some cases, Centrelink can be taken as a source of income, however, in other cases, it can not be. Our team determines this during our assessment process. If you’re unsure whether or not you could be approved for a loan whilst receiving Centrelink, we recommend you get in touch via our Contact page. Our team will do their best to have an answer for you as soon as possible. Remember, an application is 100% free – so, what are you waiting for?

Focus On You!

At Nifty, we don’t exist without you! That’s why we place a great amount of value and importance on our customer service. Our team is always friendly and available to answer any questions you might have regarding the Nifty loan application process. Whether you’ve been looking for ‘fast cash bad credit personal loans’ or ‘fast easy cash loans bad credit’ Nifty could be the lender you’ve been googling for! The best part is the entire process is 100% online! From application to approval. It can all be done from the comfort of your own home – you won’t even have to leave the couch! That’s trusted lending, without the fuss.

Apply Today for Fast Cash Loans Bad Credit

Ready to apply? It’s super simple, all you’ll need to do is follow these easy steps:

Step 1:

To begin, scroll up and use our loan calculator to select an amount and repayments period that you are comfortable with. When you’re happy, simply hit ‘apply now’.

Step 2:

If you’ve chosen to ‘apply now’ you will be directed straight to our user-friendly and super fast application form. This could only take you minutes to complete. Once you have submitted your application form our team will start the assessment process.

Step 3:

If your application is successful a member of our team will be in touch. If you apply during regular AEST business hours you could even have an outcome within 60 minutes, depending on whether we need any extra info to assess your application. A member of the Nifty team will send over an agreement for you to review and sign. We encourage all applicants to carefully read over the agreement and make themselves aware of any fees and charges associated with late or failed payments.

Step 4:

Once we have received your signed contract our team will transfer the cash to your account. It is important to remember that access to the funds is subject to inter-bank transfer times. Although if you have an NPP enabled bank account, you can have your funds instantly!

We Help Thousands Of Everyday Aussies Just Like You

At Nifty, we’re committed to providing a quick personal loan, when you need it most, without the fuss. Skip the lines at the bank, and jump online to apply for a loan in minutes.

Our team will always do their best to match you with an appropriate loan product. Take a look for yourself:

Disclaimer: The above examples are for illustrative purposes only. They do not, in any way, reflect the terms or interest rate of your possible loan, or the amount you may be approved for.

Learn more about cheap loans with Nifty!