Loans Without Bank Statements | Nifty Loans Has The Low-Down

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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.

Cash in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Loans Without Bank Statements? Nifty Loans Has All The Details You Need

Been searching for loans without bank statements?

Have you been thinking of applying for a loan lately? Can’t be bothered with the headache of gathering and printing months of bank statements? You’re not the only one. Fortunately, Nifty Loans allows you to apply for 100% online Loans Without Bank Statements physically present. Instead, we collect these documents electronically for you!

So, we say skip the headache. Apply with Nifty Loans. At Nifty, we do assess your bank statements as part of our responsible lending policy, however, we can access this information electronically. Nifty provides online personal loans that don’t require physical paperwork. Our team will save you the stress and hassle of using that dreaded printer.

We’re happy to say our application is entirely free of physical paper work. You can say goodbye to the days of making the trip out to the bank and waiting in long queues to hand paperwork to a branch manager. Fill out our fast application form above from the comfort of your own home and you’re on track to getting your cash.

Loans Without Bank Statements

What Are Loans Without Bank Statement Printed?

Paperwork and printers. Sounds a bit old-fashioned, right? The thought of printing and gathering months of bank statements would leave anyone with a headache. It seems every time you go to print something, your printer decides there is an error. The way we spend and save money has changed. So, we think the way you borrow money should change with it. That’s why our loan process is 100% online and completely paperless! No need to print out your bank statements, we can access these docs electronically!

Does Nifty Provide Loans Without Bank Statements?

We don’t offer no bank statement loans. However, if you’re googling ‘personal loans without bank statements printed’, you may be wanting to avoid the headache of manually submitting months worth of documents. So, if you’re looking for a hassle-free borrowing process, skip the headache and apply for quick personal loans with Nifty today.

We cannot assess an application without bank statements. However, we can access read-only copies of your bank statements and expenses via your internet banking details. Using third-party encryption, we can access this information. Easy, right?

If you’re looking to get a loan without bank statements printed, then you can apply with Nifty. We can access all your info electrically. So, apply for a personal loan in minutes, and skip the headache of printing paperwork!

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Can I still Get A Small Loan Fast?

Nifty offers fast personal loans from $300 – $5,000, and the repayment period depends on the amount you choose to borrow. So, if you’re approved, you could have the cash in your bank within 60 seconds*.

You can access our website from your desktop, laptop or mobile device. Once there, you can fill out our easy application form and you’re done! Make yourself a cuppa, sit back and relax.

Can I apply for A Loan Without Bank physical Statements with Nifty?

At Nifty, there is no need to manually submit your bank statements. So, it’s easy to apply for easy loans no bank statement. We’ll electronically access your bank statements saving you time and stress of gathering and printing your paperwork. There are a few minimum requirements to meet before applying for online loans without bank statements printed. Here’s a handy list to check before you submit your application.

To apply, you must be:

  • Over 18 Years of age;
  • An Australian citizen or permanent resident;
  • Have a regular source of income for at least 3 months prior to applying;
  • Have an active mobile number and email address.

So how can I apply right now?

With Nifty, you can get your cash in a flash. If approved, we can transfer your funds directly to your account within 60 seconds*. Applying for a fast cash loan with Nifty is simple and easy. Above you can find our easy and accessible application form that will only take you minutes to complete. Without the hassle of printing out bank statements and paperwork, you can submit an application for the loan you need.

Step One:

To get started with your application, scroll up to find our loan calculator located at the top of this page. To begin simply select the amount you’d like to borrow and the length you wish and click ‘apply now.’ This will take you directly to the application. No dramas!

Step Two:

Our team will assess your financial history and your current relationship with money. We will consider your bank statements and spending habits to determine the outcome of your application. This is done to comply with responsible lending practices.

Step Three:

Now, let’s talk cash loans without bank statements. By utilising the latest in safe banking technology to obtain a read-only copy of your bank statements to assess your income and spending habits. This saves you the hassle of collecting them yourself!

Step Four:

In as little as 60 minutes we can get back to you with an outcome, depending on the time you apply. This time may vary depending on the information you’ve provided in your application and the details of your financial history and spending habits. Unfortunately, we can’t guarantee approval times as each applicant is different. We do our best to assess your application as quickly as possible.

We understand that you need your answer quickly as to whether we can give you a loan or not. That’s why we will move as quickly as possible to deliver a response ASAP.

Can’t clearly see your income on your bank statements? There are other options!

Do you have a bank account that doesn’t clearly show who your credits are from? Or are you paid by cheque? Well, it’s not the end of the world! Banks and lenders look at many other documents to review and verify your information. Here are some useful documents that you may be able to use to verify your income.

  • Payslip: Can be used as proof of income for a given pay period. It includes tax, super contributions, hours worked, accrued leave and other deductions This is given to you by your employer, usually every pay period. 
  • Invoice: Is a list of services offered or goods delivered with a statement of the sum due for these and the hours taken to complete the task. The invoice is submitted by the person completing the work and paid by the person or company receiving it.
  • Centrelink Income Statement: Shows the most recent payment history and the next expected payments including any deductions or additional payments. This can be accessed through the MyGov App, post, or email request from Centrelink.
  • Tax Return: This is a document for a previous financial year of your taxable income. It helps taxpayers calculate tax liabilities, tax payments, or request refunds for overpaid taxes. A copy of your tax return is generated for you once it is completed by yourself or a tax agent. If you no longer have this copy it can be viewed on the MyGov app or requested from your tax agent/ accountant.
  • PAYG Summary: This is a summary of payments made by your employer including tax withheld and or super contributions. Your employer is obligated to give a copy of this to you at the end of each financial year for your records and tax purposes.
  • Employment Contract: This is a letter of offer of a position within the company which usually includes a commencement date, salary, rates, and frequency of pay along with terms and conditions. This is given to you on the commencement of your employment and can also be requested from management, HR or Payroll.

What Personal Loans Do You Offer?

TypeLoan AmountLoan Term
Small personal loan$300 to $2,0006 to 9 months
Medium personal loan$2,100 to $5,0009 to 24 months
Large personal loan$5,000 to $10,0009 to 24 months

To get an idea of the costs for these types of loans, you can find some examples at the bottom of this page, or on our dedicated costs page.

The three types of loans can differ in terms of fees and charges. If you miss a payment you may be at risk of a default on your contract and may incur a charge. If you have any further questions regarding fees and charges please contact our friendly team here or give us a buzz on 1300 471 328.

Keep in mind that if you’re applying for loans without bank statements printed between $2,100 – $5,000, you will often be required to secure your loan. A vehicle, caravan, motorbike or boat can be used as collateral.

How Do I Repay My Cash Loan?

Here at Nifty, we have designed a convenient and automatic repayment process for you. We use the latest and greatest technology to ensure your details are protected.

We’ll work around your schedule and set up a direct debit from your account on a day of your choosing. We can draw your repayments on a weekly, fortnightly or monthly basis depending on your financial commitments.

Once your loan is paid back in full, your repayments will automatically stop. It’s that easy, making your personal cash loan without bank statements printed hassle and stress-free.

Can I Pay Out My Loan Early?

Yes! You can repay your loan early, without incurring any early payout fees!

Unlike the big banks, we will not charge you a fee for paying your loan early. If you’ve got the cash and want to get it out of the way, who are we to charge you for wanting to be financially free! In fact, the earlier you pay off your loan, the more money you will save on monthly fees.

If you’re wanting to pay back your loan early, don’t hesitate! We’re not out to bombard you with unnecessary fees that you could be spending on more important things.

Are There Any Personal Loans For Bad Credit?

Nifty Loans offers bad credit loans. We do conduct credit checks, however, we look at more than just your credit score. We assess your current relationship with money, rather than simply looking at a number. At Nifty, we give every applicant a fair go at finding the loan you need, bad credit and all.

Whether you’ve got good credit or bad credit, we assess every application and are ready to give Aussies a fair go. So, if you’re searching for bad credit loans without bank statements printed, skip the hassle of submitting physical statements and opt for Nifty Loans. We’ll access your info electrically.

Can I Get Loans For People On Centrelink?

Nifty is happy to consider your application if you’re on Centrelink, as long as you are receiving a regular income into a personal bank account.

We can assess your Centrelink statements without the hassle and stress of printing them out. Our up to date banking technology will mean your statements will be carefully stored and we will receive a read-only copy. Apply now to fill out our quick application and we try to set you up with fast online loans no paperwork.

Loans Without Paper Bank Statements Are Saving the Environment!

With our 100% paperless process, not only are you getting fast convenient service, but you can have the peace of mind knowing you’re doing your part to save the forests.

Nifty Loans Is The Lender You Can Trust

At Nifty, we pride ourselves on following responsible lending practices. At Nifty, we comply with current lending legislation and have a strict set of rules and therefore don’t provide instant cash loans no bank statement. Our team assess your income and expenses when checking your suitability for a loan, without we don’t require physical copies of your bank statements! We can access them electrically via your internet banking details.

We’re here to help you in a certain financial situation not make you worse off. You can be confident that we have your best interests in mind at all times.

Our Customer Service Promise

At Nifty, there is no query, question or concern that our customer service team can’t help you with. We’re on hand to help with your application or any question you have about a current loan.

We may be 100% online, however, we are committed to providing quality customer service to assist every client with the loan they need. We believe in the old saying that there is ‘no such thing as a silly question’ and are here to help out any way we can.

Our team knows life happens and things don’t always go to plan. Our customer service team are incredibly understanding of this and of any unexpected situations that should arise.

Is this product what I’m looking for?

Who Is This Product For?Those who are looking for a fast processing short-term loan
To Be Eligible To ApplyMust be a Australian citizen or a permanent resident. Have a regular source of income. Over 18 years of age. Have access to an active mobile phone and email address.
What Repayment Terms Do You Offer?Up to 24 months. Repayment terms will vary depending on each applicant’s financial situation.
Loan Types AvailableFixed personal loans
LenderNifty Loans

Ready To Apply?

No need to photocopy all your bank statements or Centrelink statements, gone are the days of mountainous paperwork! We are 100% online and that means managing your time and cash just got a whole lot easier.

Finally, if you are not happy with your application experience with Nifty loans then you can withdraw your request at no cost whatsoever!

So, what are you waiting for? Start your partnership with Nifty loans and get back onto the path of financial happiness. We are a 100% online, fast approval, no fuss, finance company. So, don’t wait to apply today!

*Only available for NPP enabled bank accounts

Apply Now

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 Loans

Large Loan Example

$5,000

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)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

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)
EEstablishment 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 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
EEstablishment 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.