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Looking For The Lowdown On No Credit Check Loans? Nifty Explores!

Discussing all things no credit check loans

When was the last time you got hit with an unavoidable cost? Last week? Last month? Even something as small as dental expenses can throw even the most carefully constructed budgets off track. The point is, everybody could use a little extra money every once in a while; though, continually applying for loans can cause your credit score to plummet. For some, turning to no credit check loans is the best solution. As the name suggests, no credit check loans are a form of short term finance where your credit score is not checked; seemingly perfect when you need a little cash without impacting your file. 

With this said, however, things aren’t all rosy when looking into the finer details of no credit check loans. For one, they have a history of being offered by lower tier lenders, which are companies that may not be as reputable. Secondly, due to the increased risk to the lender, a no credit check loan may work out to be more expensive than traditional finance. We will elaborate on this further, though, these are just a few things prospect borrowers need to weigh-up before applying for a no credit check loan.

no credit check loans

What Are No Credit Check Loans?

When looking at the whole picture, no credit check loans do not fall within their own separate category; they are simply a loan without the credit check. Meaning lenders could offer everything from a small personal loan to a home loan without a credit check, at least theoretically. The reason this isn’t often seen, especially when looking at more substantial finance, is because lenders take on considerably more risk when offering a loan without a credit check.

Though more attractive to consumers, approving an applicant without first checking their credit score can be equated to buying a car without checking its service history. You’re going to have a bad time if you do not have an appropriate support structure to mitigate at least some of the risk. 

What exactly is a credit check?

For those who are unsure, a credit check can be summarised as a report card for an individuals credit history. It will show the good, the neutral and poor side of an applicant’s financial past. Everything from credit enquiries to bankruptcies may be seen on a single report. This allows other lenders to view the customer’s previous financial history and get an idea of their current situation. When an enquiry is conducted, this will show:

  • The date of the application
  • The credit provider, 
  • The amount requested,
  • The loan type e.g. credit card, personal loan or mortgage,
  • Whether you are a sole or joint borrower.

A credit check will not record if the credit was approved or not. It also will not record if a person accepted an offer from a creditor. It also does not automatically start a record of a person’s payment history if they do take the loan. For more information on how a credit check impacts a credit file, you can also see our privacy policy.

Why do some lenders offer no credit check loans?


As when checking your own score, lenders too need to pay every time they request a credit report. The cost of credit reporting can quickly pile-up if not appropriately managed. Some lenders choose to forgo this cost entirely in favour of offering no credit check loans.


The cost of a credit report remains the same no matter the amount of an application. For lenders offering small loans (we’re talking in the $50 to $250 range), not conducting a credit check may prove to be the better business decision after considering the increased risk. 

What are the advantages for lenders that do credit checks?

Better clarity

The more information a lender has on an applicant, the more informed their decision can be. Indeed, the bank statements of an applicant do not show the entire picture. because of this, some lenders may opt to conduct these checks to ensure the information reported by the applicant is genuine, 

Can help to follow lending requirements

Some financial bodies see credit reporting as a crucial step in the responsible lending process. Though not explicitly necessary, most lenders will conduct a credit check to ensure their assessments hold true, especially when assessing higher loan amounts.

So are Easy Loans No Credit Check possible?

If you have bad credit, you may think that your only option is small loans no credit check. But, this could prove to be costly as well. There are many disadvantages to actual no credit check loans including higher fees, hefty interest rate, or a need to provide heavy collateral. A better option for you might be to apply for a loan from Nifty. We don’t offer no credit check loans, but we do consider applicants with a bad credit score by looking at your current financial circumstances rather than simply your credit score.

We believe in giving every Aussie in search of quick cash a fair go. We don’t think that your past should necessarily hurt your future. Although we check your credit score, we consider several other factors too like your current relationship with money. That’s why you may just get approved for a loan from Nifty even with less-than-perfect credit.

Things to consider with no credit check loans

As mentioned earlier, some lenders that offer no credit check loans make a few tweaks to make the venture more reasonable. Though, there are some things to watch out for before applying, some of which are listed below:

1. Unreputable lenders

Before applying or entering an agreement with any lender, ensure they hold an active credit licence. It is illegal within Australia to provide credit without an appropriate credit licence; any company found to be doing so should be avoided and reported. 

2. Higher rates

Some lenders offering no credit check loans may have higher costs than that of a traditional loan. Provided the lender holds an active credit licence, though, the amount able to be charged for a loan is capped. Lenders offering loans with interest rates and fees beyond the legal limit need to be avoided.  

3. Required collateral

Offering collateral for a no credit check loan may be a requirement with some lenders. If you do not have an asset you are willing to offer, this is something to keep in mind before wasting time on an application. 

Feel like you’re stuck between a rock and a hard place?

A better option for you may be to apply for a loan from Nifty. We don’t offer online loans no credit check, but we do give a fair go to all borrowers regardless of their credit score. For us, a credit score is not the be-all and end-all. In fact, your credit score is just one of the factors we consider when assessing a loan application. You might just qualify for a loan from us with a bad credit score, so don’t wait, apply today.

What is bad credit?

A bad mark on a consumer’s credit rating can sneak up on them and leave them feeling helpless without any ability to borrow cash. Too often banks will turn them away over bad credit while traditional lenders are quick to slam the door on them. But do you know what sort of negative information can be listed on your credit file? Here is some examples

Online Loans For Bad Credit

At Nifty, we understand that bad credit may be caused by events you experienced in the past. Life throws up difficulties your way and those difficulties can mess up your credit score. Bad credit shouldn’t solely stop you from getting a loan when you need it. That’s why at Nifty we offer bad credit loans. You can’t get bad credit loan no credit check from us, but you may qualify even with a bad credit score. So, apply today and see if qualify. Don’t go after no credit check loans when Nifty’s got your back with bad credit loans.

Why choose Nifty for a Bad Credit Loan?


All our loan products are transparent. There are no hidden fees associated with any of our loans. You can rest assured that you’ll be paying exactly what you’ve been told. Just read over your contract for all the details of our costs. And if you have any questions, please send our team an email at

Simple Application

You don’t have to fill lengthy applications to apply for a bad credit loan with Nifty. Our super simple application requires just a few details and you may be able to complete it within a few minutes.

Fast Approval

While you may have to wait days to get approved from other lenders, Nifty is different. We understand the value of your time. That’s why we may let you know the outcome of your application within 60 minutes (during normal business hours).

Quick Funds

We don’t just process applications fast. We are also quick to transfer your funds immediately after we receive your signed contract. Of course, delivery times all depend on interbank transfer times. The funds may be transferred to your account the same provided you are approved during normal business hours. Latest, you’ll have the cash in your account overnight.

Simple Repayment

Our application and approval process are a breeze but our process for loan repayment is even easier. You’ll be set with a direct debit that’ll automatically come out of your account, this is generally set up in line with your payday. This way you won’t have to worry about repayments, you just need to ensure the funds are available in the account on your repayment day. When you repay your bad credit loan, the payments stop. It’s that simple.

How Our Bad Credit Loans Work

Our online application can be completed within a matter of minutes and you may get an outcome within 60 minutes (during normal business hours). So, you don’t have to fill out mountains of paperwork to apply for a bad credit loan with Nifty and wait days before you get an outcome. Just follow the simple steps shown below to apply:

Step 1

Click here and use our loan calculator to select the amount you need to borrow and the time you need to pay it back. Done? Now click the ‘apply now’ button and complete the application. Don’t worry it only takes minutes to complete.

Step 2

Once you have completed the application, our experts will review it to determine if you are eligible for the bad credit loan. You may get an outcome within 60 minutes (during normal business hours)

Step 3

If you are approved, we will transfer the funds the same day (if we receive your signed contract back during normal business hours). Once funds have been released, they are subject to interbank processing times. At the latest, you’ll have the cash with you overnight.

Struggling to find loans with poor credit? We have 3 suggestions to help you get approved!

If you are searching for no credit check loans because you have been knocked back for loans because of your credit score, you may be wondering what you can do. Well, here are three suggestions that could help increase your chances:

Know your credit score

 Having an idea of what your credit history is like can give you some much-needed insight into your eligibility for instant small loans. If you are unsure of your credit score, you are able to check it for free through any of the credit report bureaus (the main ones being Equifax, Illion and Experian) once per year. Once you know your credit score, contact the lender you wish to apply with and enquire about their credit score criteria. Doing so could save you from submitting a redundant application. 

Know how much you need 

If you are looking to apply for a loan, it is important that you consider the amount of money that you actually need. Submitting an application to ‘just see how much I can get’ is almost never a good idea. By confirming an exact loan amount, you are actually doing two things; for one, you are demonstrating to the lender you have taken some time to consider the loan you are applying for and, two; you are saving yourself from being stuck with an amount that is not actually necessary, which could cost your more in the long-run. 

Consider waiting

If you already have poor credit, one of the worst things you can do is further reduce your score by submitting a number of new applications within a short period of time. Even if they are not approved, every time you submit a new application there is a good chance the lender will conduct a credit check and leave an enquiry on your credit file. Too many of these and your score can start to drop. If you wait two or three months between applications, you will demonstrate you are not in desperate need of cash, which should reflect in your credit score. 

Forget that ‘loan no credit check’ search. Apply for a bad credit Loan with Nifty instead!

When it seems like banks and other lenders have closed their doors to you just because you have bad credit, stop your searches for a loan no credit check and turn to Nifty. We won’t examine your credit under a microscope and deny you if you have bad credit. You may not have been responsible with money in the past or may have experienced issues that messed up your credit. But, your past doesn’t matter much to us. What matters the most is what your current situation is. So, you may qualify for a loan with us even with poor credit if your current relationship with money is okay.

When you can get a loan from Nifty with bad credit, why go for no credit check loans where you have to pay higher interest and fees? It doesn’t make any sense, right? So, apply for a bad credit loan from Nifty today to see if you qualify.

Just scroll up to begin your application with Nifty.

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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.

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