Loans For Unemployed People | Fast 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


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:

Your data is secure

Comodo Logo

Trusted by

Trusted Site Logo

Our customer rating

Google Reviews

ⓘ Loan Disclaimer

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.

Looking for Loans for Unemployed People?

Nifty Understands!

If you’re unemployed, chances are you’re receiving Centrelink as your income. Even if you’re on top of your spending, a few hefty unexpected expenses could put your budget in jeopardy. Just think how many little things can go wrong in everyday life which would cause a major hassle. What would you do if your car suddenly broke down and you needed to pay for the repair? Or one of the appliances you depend on working, like your fridge or washing machine, gives up the ghost? When you find yourself in an emergency and needs funds fast, who do you turn to?

What are loans for unemployed people?

Well, they’re just what they claim to be: loans for unemployed people. If you’ve applied for a loan with a traditional lender before and been rejected because you’re on Centrelink or have bad credit, you might think that fast cash loans for unemployed people are a pipe dream. However, getting the finance you need while unemployed is possible!

Loans for unemployed people are types of personal loans for those without employment. They can be for amounts between $500 and $5,000. Unsecured loans for unemployed people, from $500 to $2,000, have available repayment periods of between 6 and 9-months. Secured loans for unemployed people of above $2,000 have possible repayment periods of 9 to 24-months. The exact costs of loans for unemployed people are dependant upon the loan amount.


Here's a Nifty fact!

It was estimated that Australia in May 2019, 695,200 people were unemployed and 1,147,400 people were underemployed

Are there other options I could consider?

Well, there are a few options. You could ask your family or friends for help. However, borrowing money from loved ones can become difficult and lead to strained relationships if there are a few bumps along the way. Depending on the amount, you might not know anyone that you trust with enough cash to spare.

Another possible avenue to pursue is by applying with a traditional lender. However, this can be quite difficult for those who are unemployed and receiving Centrelink. A traditional lender might outright reject your application when they see these details. So, what other option do you have for getting finance? By applying with Nifty Loans, of course!

Although at Nifty we understand that there may not always be other options. So when you need that helping hand, apply with Nifty!

Can I get loans for unemployed people with Nifty?

You sure can! We can offer fast cash loans for unemployed people in the form of loans for people on Centrelink.

In contrast to the traditional lending practices that you might be used to, we take an alternative approach. In the fast-paced world that we live in, time is money. Not only is the prospect of making appointments, waiting in line and filling out paperwork not particularly exciting, but you could also be using that time to do so many other things. At Nifty, we understand how valuable your time is. That’s why we’ve designed our system to be far more streamlined and efficient than what you might expect from a lender.

Life doesn’t always go the way you plan it. Murphy’s Law states that whatever can go wrong will go wrong, and there are some days where that is an undeniable truth. At Nifty Loans, we get it. You don’t take any joy in being faced with a surprise bill that throws your finances a bit out of whack. All you want is to get the funds you need to put yourself back on course. The last thing you want in that situation is to have your application rejected just because your income is made up of Centrelink payments.

If you’ve been searching for a lender that understands, look no further. Apply today from Nifty Loans!

What do I need to apply for loans for unemployed people with Nifty?

Our application is super easy, and we don’t make you jump through hoops. However, there are a few things we need from you before you can apply, and some documents that will help speed up your application even more if you have them on hand.


We want as many Australians as possible to be able to apply with us when they need to. That being said, there are four requirements that you’ll need to meet before you can apply. This information forms the basis of our assessment process.

You must be:

  • 18 years of age or over;
  • An Australian citizen or permanent resident;
  • Have been receiving an income into a personal bank account for at least the past 90 days;
  • Have an active mobile number and email address.

Obviously if you’re applying for loans for unemployed people, we don’t expect that your income will be from a job. Whilst we do require you to have been receiving income for the past 90-days, we are happy to accept most Centrelink payments as part or all of that! That extra level of understanding on our part is what allows us to offer fast cash loans for unemployed people. If you’re after Centrelink loans, why not see if a Nifty loan is right for you?


When you hit that Apply Now button, you’ll be taken to our application form. This should take just a few minutes to complete. But, if you want the time spent filling out an application to really fly by, have these details at the ready:

  1. Personal contact details, such as your mobile number and email address;
  2. Reason for your loan;
  3. Internet banking details;
  4. MyGov details (for clients receiving Centrelink benefits);

With this information by your side, you’ll be done in no time!

Why choose Nifty?

Alright, it’s time for us to back up the claims of how great we are. Here are some of the qualities, in plain terms, that make us so good.

  • Convenient. We’ve said this over and over again, but we really can’t overstate how convenient our service is. Our 100% online service means that you can apply at a time and place that best suits you and your lifestyle. Our website is also mobile compatible, so you can even choose what device you prefer! With no paperwork or appointments involved, applying for a loan from the comfort of your home is now a reality.
  • Fast. Want quick applications? You got it. You can apply with Nifty in just a few minutes. Speedy outcomes? We can provide those too. If you apply during our business hours, our team will aim to provide an outcome within 60 minutes.
  • Secure. We use safe banking technology to access read-only copies of your bank statements and Centrelink statements. This information is encrypted and stored securely, at no point do staff members have access to your login information.
  • Understanding. We know that times can get tough and you might need a bit of financial help once in a while. That’s why we offer fast cash loans for unemployed people!
  • Friendly. We love to hear from our clients, and we’re happy to help if you have any questions. To get in touch, you can either send an email to or call 1300 471 328 during our business hours.

Ready to see these awesome features in action? Scroll up and click Apply Now to get started!

Can I get cash loans for unemployed people if I have bad credit?

Yes, you could also get cash loans for unemployed people with Nifty if you have bad credit.

Like being unemployed, having bad credit is something that traditional lenders tend to look down upon. If they struggle to find a traditional lender that accepts their bad credit, some people might resort to frantically searching online for things like “instant cash loans no credit check unemployed” or “24 7 loans for unemployed”. However, there’s no need to go to these lengths. Just apply with an online lender that understands bad credit, like Nifty Loans!

Part of the reason why we don’t offer “instant cash loans no credit check unemployed” is because we conduct a credit check on every applicant. This might send some people with bad credit running for the hills, but don’t panic just yet. We perform credit checks as part of responsible lending practices. Whilst it makes up part of our assessment process, it’s certainly not the be all and end all.

At Nifty, we tend to focus more on your current relationship with money rather than your credit score alone. Did you know that some negative credit information can stay on your credit history for up to seven years? That means that a blip from your past could be preventing you from getting a loan from a traditional lender now. But never fear, because Nifty is here! We look at the bank statements you supply us with to get a better idea of your ability to afford a loan.

Want to get a loan, but worried about being judged purely by your credit history? Close those tabs of searches for “instant cash loans no credit check unemployed” and “24 7 loans for unemployed” and apply with Nifty Loans today!

How do loans for unemployed people work?

Fast cash loans for unemployed people offered by Nifty are split up into three categories based on the loan amount. There are small unsecured loans for amounts between $500 and $2,000, medium secured loans from $2,001 to $4,600, and large secured loans for $5,000.

Loan Type Repayment Period Security?
Small Unsecured Loans Repayment period of 6 – 9 months Can not provide security
Medium Secured Loans Repayment period of 9 – 24 months Can provide security
Large Secured Loans Repayment period of 9 – 24 months Can provide security

You can find some examples of the basic costs of our loans at the bottom of the page and on our costs page. Depending on what type of loan you apply for, other fees and charges may be payable. If you miss a payment or default on your loan contract, you may be charged additional fees. All fees and charges will be clearly outlined in your contract prior to signing. If you have any further questions, don’t hesitate to get in contact with our friendly team of loan experts.

For more information regarding personal loan costs, check out MoneySmart’s personal loan calculator.

How do I repay my Nifty loan?

Repaying a Nifty loan barely requires you to lift a finger. Your main responsibility is just to ensure that you have enough money in your account when your repayment day rolls around. Sound too good to be true? Let us explain.

While sorting out your loan contract, we’ll organise a day for your repayments on either a weekly, fortnightly or monthly basis. This is generally set up in line with your pay cycle. On that day, the allotted repayment will be automatically deducted from your account via direct debit. Once your loan is fully paid off, the direct debit will automatically stop. You are also welcome to pay out your loan early if you wish to – you won’t be charged any extra fees for doing so!

If you find yourself in the unfortunate position where you know that you won’t be able to make a repayment, communication is key. It’s important you let us know as soon as possible of the change in your situation. With enough notice, we may be able to arrange an alternate payment plan that works for all involved. If you don’t notify us and there isn’t enough money in your account for that repayment, the automatic withdrawal could fail and you may be charged extra fees. To avoid this, keep us updated!

Looking for Employment? Need some training first?

One thing we have always found is that our unemployed applicants are usually seeking employment or trying to find a new career path. Given this, we thought we would jot down some ideas to help get you inspired!

So, are you looking to get into the workforce but unsure of what you want to do or where to start? There are many different career paths you can take, even while receiving Centrelink or in a current part-time role. So let’s go over a few examples that you might find useful.

  • Depending on your passion and desired profession, there are many businesses that offer internships, traineeships and apprenticeships. Some are paid and covered by the organisation and some by the government. If you have a business in mind that you would like to work for, it never hurts to reach out to them and ask if this is an option.
  • Volunteering is a great way to dip your feet into something new and exciting, perhaps branch out into a field you hadn’t thought of. A dog walker today, a vet nurse tomorrow. You can easily do this while still working another job or receiving Centrelink.
  • There are TAFE courses and workshops across many industries that take varying amounts of time. For example a Barista workshop can be done between 1-3 days or something in business administration can be up to 12 months. Most courses and workshops can be covered in part or in full by Vet Fee Help, Centrelink, grants or scholarships. You can if need be also ask a friend or family member if they are in a position to help you.
  • Maybe you loved your old job but you need a challenge. Talk to your previous managers about more training in your area or even cross training in another department.  Check the company intranet for job opportunities being advertised in house. You won’t know unless you ask.
  • There are some job advertisements on websites such as Seek that offer employment opportunities for those who have no or limited experience and on the job training for example. For example, the Defence Force offer employment opportunities and on the job training as well as paid courses for upskilling.
Light bulb

Here's a Nifty question!

If you're looking for a job you love, ask yourself, what do you enjoy doing?

Any more questions?

Hopefully the information we’ve provided here has brought you closer to deciding if fast cash loans for unemployed people are what you’re looking for. If they are, Nifty Loans is a great place to apply for them!

Taking out a loan is a big decision, so we understand if you’re still not 100% sure. If you’d like to know a bit more about us, our lending service and how it works, we’re happy to help. You can also check out our costs page if you’re unclear about fees, and the FAQ section for any general questions. If you’re still unsure about anything, please contact us directly and we’ll do our best to help you out.

Speed, convenience, security, great customer service, and of course, fast cash loans for unemployed people. They’re what Nifty does best! Apply today with Nifty Loans!

Read more about quick loan approval online here!


Can I borrow money if I’m unemployed?

Yes, you can! Nifty can approve loans ranging between $500 and $5,000 to people who receive regular Centrelink benefits.

Am I eligible to apply for loans for unemployed?

To be eligible for our unemployed loans you must:

– Be 18 years of age or over;
– Be an Australian citizen or permanent resident;
– Have received a regular income for at least the past 90 days;
– Have an active mobile number and email address.
– Have internet banking set up.

How can I apply for Centrelink loans?

Step 1: Submit an Application online in minutes.
Step 2: Supply supporting documentation
Step 3: We’ll assess you
Step 4: Get an outcome
Step 5: If approved, review and sign your contract
Step 6: Cash transferred straight to you

Are loans for unemployed available online?

Yes, they are. Nifty’s application process is 100% online meaning you can apply from your own home or on-the-go. Documents are to be submitted online as well – no copying or printing required.

How do I repay my loan?

Nifty’s loan repayments are made via direct debit. We can set up payments on a weekly, fortnightly or monthly basis, however we’ll usually just align repayments with your pay cycle. If you ever need to change anything, don’t hesitate to get in contact and let us know.

Apply Now

Andy Andy


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.

Read More

Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.