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On the Hunt for Same Day Loans with Bad Credit? Nifty Could Help!

Can you really get same day loans with bad credit?

If a search for ‘same day loans bad credit’ is what brought you here, you’re in luck. You can apply for bad credit loans with Nifty Loans in minutes and, if approved, have money in your account and ready to use in seconds, most of the time.  Is It Possible To Get Credit Without A Credit History? is answered here.

Life is unpredictable and a financial emergency could pop up all of a sudden. You could be left in a financial crisis and in need of extra cash. If you don’t have enough savings, the situation could appear challenging. This is where same day loans with bad credit come into play! Before you apply with Nifty Loans, make sure you have given some thought to how much you can afford to repay. Then, regardless of your credit history, all you need to do is apply for a loan so we can take a look at your unique circumstances.

If a bad credit score is preventing you from securing a personal loan in Australia, don’t fret. At Nifty Loans, we take more than just your credit score into account. We’re able to look at your current spending habits to determine if we think you will reasonably be able to afford to repay your loan. 

How does the idea of applying for bad credit loans sound?

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Same day loans bad credit

Why does my credit score matter so much?

Are you searching for same day loans bad credit holders can apply for? You may be interested in learning more about what a credit score is and why it matters to lenders. 

Your credit score is a number put together by credit bureaus to determine a consumers standing across a number of factors: 

  • Open accounts
  • Total debt
  • Repayment history
  • Judgements
  • Bankruptcies, etc. 

Essentially, it paints a picture of your likelihood to repay credit. 

With many lenders, your credit score determines your eligibility for a loan and the expected interest rate. The lower your credit score, the more creditors and lenders will see you as a risk to lend to. As a result, you can expect to receive a quick loan at a higher interest rate. A bad credit same day loan is a short-term loan for those with a poor credit history. 

Bad credit is a term that describes a person with a history of bad financial management. Such persons with an adverse credit report are seen at risk of missing payment obligations.  Bad credit is an indication that the borrower is risky to lend to. Therefore, the interest for same day loans bad credit can be high. The high-cost loan comes in handy to meet extreme financial emergencies. 

Can I get same day loans with bad credit?

Most lenders prefer to lend to people with good credit. That does not mean you cannot get same-day loans with bad credit. You can with Nifty, anyway. We are able to take into account your current financial situation so having a bad credit score may not stand in the way of you getting approved for a loan. 

Same day loans are a type of loan that you can apply for with bad credit. You may be eligible for unsecured personal loans that can be used in the case of an immediate financial emergency. The application process for same day loans is easy. Just scroll up and hit apply! 

As soon as your application has been thoroughly assessed and approved, we’ll transfer your loan to you meaning you may be able to access the funds on the same day. Take a look at our instant loan payout facility, here.

What type of loans do Nifty offer? 

Nifty can offer three types of personal loans. These are:

Loan TypeLoan AmountLoan Term
Unsecured$300 to $2,0006 to 9 months
Can be Secured$2,001 to $4,6009 to 24 months
Secured$5,0009 to 24 months

What is bad credit? 

A bad credit score describes you as being risky to lend to. Most lenders see you at high credit risk and prefer not to lend to you. However, does a bad credit score mean that the borrower does not intend to pay his liabilities? 

Poor credit score might occur due to payment default, delayed payment or reporting mistake on the part of the financial institution. Although traditional banks may not be too willing to lend to a person with bad credit, some private lenders understand that anybody can go through a rough patch. Sometimes life’s circumstances may put you in a situation where you are unintentionally unable to make timely payments. 

There are several reasons why an individual may get a bad credit score:

  • If you use a credit card more often and only make small or no monthly payments.
  • If you have missed or delayed payments.
  • If you have no credit lines and are categorized as a New to Credit customer.
  • If there are too many credit enquiries from different lenders. 

Your credit rating will go down with each enquiry, thus adversely affecting your chances of getting a loan from traditional lenders. Luckily, in that case, some private lenders, such as Nifty, can still give you the much-needed financial respite.

Is there a way to make getting a loan with bad credit easier?

Your reputation as a borrower depends on your credit rating. A bad credit score is seen with apprehension as lending to the borrower might be a risky proposition and the loan might turn into a bad debt.

This is why we offer secured loans for bad credit, which allow you to attach an asset to your loan as security. Secured loans offer a lender a fall-back for recovering funds if the borrower is suddenly unable to repay their loan. 

You can apply for fast loans with bad credit to meet your emergency needs easily, online. We act quickly and are generally able to offer an indication of whether or not we can help within an hour.

Following the approval of an online application and contract signing, funds are directly credited to a verified bank account. The application process involves verifying all personal details, including name, address, contact, and employment history. 

How do lenders assess loans? 

While we can’t speak for other lenders, we can offer insight into our own loan assessment process. 

Unlike some other private lenders and traditional banks, Nifty does not solely consider your credit score when assessing your application. Rather, we believe in fairly assessing your current financial situation to determine if our same day loans bad credit solution would be a suitable solution for you. 

If you need cash in a hurry, Nifty can provide you with hassle-free, same day loans. All you need to do is fill in the application form and we will make a fair assessment.

Is my information safe?

You can rest assured that the realistic approach we take to lending will give you a fair go at getting a loan. To that end, during the process, we will obtain a copy of your bank statements and other financial information. This is to get an idea of your spending habits. An assessment helps us determine your current relationship with money and whether you can repay a personal loan.  

We rely on trusted partners to access a read-only copy of your bank account statements securely, so you do not need to send us your bank statements. Don’t worry, this does not mean we can access your online banking password – we’ll be able to look but not touch.

Additionally, we may be able to look past your bad credit to give your loan application the fair assessment it deserves. 

With us, you no longer have to worry about the hassle of tedious physical paperwork. What’s more, there are no long waiting times either. The Nifty team will often be able to give you an indication of whether or not we think we’ll be able to offer you a loan almost immediately, cutting the waiting hours, so you get closer to getting the cash you need without delay. We can even have a final outcome as quick as 60 minutes if you apply during AEST business hours!

Who is eligible to apply?

While Nifty has made the loan application process easier, your eligibility for same day loans with bad credit depends on a few factors. To be eligible to apply you need to meet the following criteria. 

  • You must be a citizen or permanent residence of Australia and have a local address.
  • You must be 18 years of age in order to apply for a bad credit loan. 
  • In addition to this, you must be able to show regular payments into your bank account for at least three months. 
  • You must have an active mobile number and email address.

If you meet these criteria, you can apply for a small loan of up to $2,000 with us.

If you’re looking at applying for a loan of $2,001 to $5,000, you’ll often also need to provide security such as a car, motorbike, ute, caravan or boat which can be tied to your loan. 

What could I use my personal loan for?

If you’re looking for a personal loan with bad credit, Nifty can help you out. No matter why you are applying for a personal loan with us, we are happy to see if we can help. We have cut out the nonsense to make it easy for you to get an emergency loan or bond loan or just about any loan. 

With Nifty, you can apply for a:

  • Dental loan
  • Medical loan
  • Adventure/Holiday loan
  • White goods loan
  • Renovation loan
  • Car registration loan 

Irrespective of the reason for the loan, Nifty may be able to offer a helping hand. So, if you are in need of some quick cash, you’re in the right place. 

Does Nifty offer same day outcomes?

We leverage safe banking technology to obtain copies of your account statements within seconds! Since we are responsible lenders, it is our duty to ensure that we lend to eligible applicants that can comfortably pay back our loan products. But don’t worry, because all of this is done electronically, we are still able to offer same day outcomes!

Besides, as soon as the application is approved, Nifty immediately extends you an offer. Once the contract is signed, you will receive the money in your bank account. In fact, the money could be received to your account the same day, if not instantly, if you submit the undersigned contract during business hours. 

Does Nifty do credit checks?

If you are worried about your credit score but need some urgent finances, you may still apply for same day loans with bad credit with Nifty. We do perform credit checks. However, that is not the only criterion to determine your eligibility for a quick loan. You can still apply for small fast loans. As a responsible lender, Nifty will do exactly what is right and assess your particular situation.

We closely assess your loan application, checking your past and present finances. This includes assessing your income and expenditure for at least the last three months.  Trust us when you seek same day loans with bad credit. We look at more than your credit score and will do our best to give you a fast, hassle-free solution. 

How do I apply?

Nifty takes the stress out of applying for a same day loan with bad credit. Since it is a completely paperless application process, you can apply with us for a loan online anywhere, anytime.

When starting your loan application, it will help to keep your email, mobile, and banking details handy. We may send you an email or text if we require extra information and, during the application process, you will need to log into your internet banking account. 

Upon receipt of a signed copy of your electronic contract, we are quick to transfer the funds into your account. In some cases, it takes just 60 seconds for the funds to be credited to an NPP-enabled bank account. 

If there is no such provision as instant payments in your bank, we will make sure that you receive the funds overnight for any contracts signed by 5:00 pm AEST during weekdays. For any contracts signed on a public holiday or the weekend, the amount is paid on the next business day.

Why wait? Apply today!

If you are in need of urgent money but do not have a good credit history, don’t be deterred. Nifty can help you with same day loans with bad credit. We enjoy a track record of helping Australian citizens in need of fast personal loans. You can sign credit and medium amount credit contracts with us, and following fair assessment by our qualified team, eligible applicants can receive personal loans quickly.

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.

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