Payday Loans for Bad Credit Instant Approval | What You Need to Know

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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.

Looking for Payday Loans for Bad Credit Instant Approval? Here’s What You Need to Know

Getting payday loans for bad credit with instant approval

If you’ve been searching the web for ‘payday loans for bad credit instant approval’ you’re probably in need of some fast, short-term finance. Fortunately, getting loans to meet a myriad of financial needs couldn’t get easier. Nifty Personal Loans seamlessly works towards developing secure solutions to provide quick financial aid. And, the best part is, you do not even need to have a great credit score to qualify for a loan! 

payday loans for bad credit instant approval

What is a payday loan? 

As the name suggests, a payday loan operates under the assumption that you’ll repay the money you’ve borrowed in full on your next payday. In Australia, these loans have been made illegal. Yet, if you’re looking for ‘payday loans’ a personal loan functions similarly. Personal loans enable you to borrow smaller amounts for all kinds of purposes and often offer quick outcomes and instant payouts.

At Nifty, we don’t claim to provide ‘payday loans for bad credit instant approval’ for the above reasons. Yet, we can give you a fair go at a personal loan. Above all, we believe that you’re more than your credit score. That’s why we look at other factors like your income and spending habits when assessing your application.

Better still, Nifty can now offer instant transfers to customers with NPP-enabled bank accounts. So, if you’re approved for finance you could see the cash in your account and ready to use in just 60 seconds! Now, that’s pretty instant.

Can I get an emergency loan with bad credit? 

Who says no? If you have the will, then we have the quickest and easiest way to get you through the rough patches of life. A financial emergency does not knock before creeping into anybody’s life. So, for these uninvited financial emergencies, we can still provide facilities that provide instant relief.

Say hello to Nifty: an online lender with a difference. We work hard to provide emergency loans for people of all kinds, even those with a bad credit history. That means we can provide unsecured, secured, cash loans, and personal loans for bad credit. 

Don’t get surprised just yet; there is an endless list of types of loans we provide, some of which include:

Can I get a quick money loan? 

At Nifty, it’s possible. We provide speedy, quick help for a range of situations – whether you need to borrow money for an emergency or want a small loan to cover a big dream. All it takes is a few short minutes to complete our online application form.

No annoying physical paperwork, 100% online, with an outcome in just 60 minutes if you apply during business hours most of the time!

We have an efficient and friendly team that work hard to get you your money right on time. We are known for the convenience we provide to our clients, so you don’t have to wait in the never-ending queues at the bank or fill out piles of paperwork. Just fill out our simple loan application and you could get a response in no time.

Upon the approval of your application, the funds will be transferred to your bank account. If your bank has NPP enabled payments, then the cash could even be in your account and ready to use in just 60 seconds! If not, no biggie – we will still transfer your funds on the same day so it could take just one business day, depending on your bank.

Find out if your bank has NPP-enabled payments here.

Which loan company is known to be the best for bad credit? 

Unlike other loan companies, we at Nifty don’t let your bad credit history stand in the way of your future prosperity. Your current relationship with your money is what matters to us.

If you are feeding your bank account with the right funds, we will overlook your past financial blunders and help you kick start your journey.

Whether it’s a small loan of $300 that you’re looking for or a bigger loan worth $5000, we’re here for you. Loan terms can be anywhere between 6 to 24 months, depending on the amount and your paying capacity. 

If that’s not enough to sell you on us, here are some other reasons why our clients say we’re one of the best:

  • 100% online service
  • Instant transfers* 
  • No paperwork

Although we can’t promise ‘payday loans for bad credit instant approval’ we can offer fast personal loans to people with bad credit. 

How to get a loan with bad credit

With Nifty, it’s simple. You could qualify for a loan even if your credit history is poor. Before you apply, however,  you just need to ensure that you meet our eligibility requirements:

  • Over 18 years of age
  • Permanent resident or Australian Citizen
  • Evidence of regular income (must show you’ve been receiving your salary regularly into your account over the past 3 months)
  • Hold an active email address and mobile number

If you meet all of the above criteria then you can scroll up now to fill out our online form! Once you start your journey with us, rest easy as we’ll get back to you in no time. 

Although we have helped many people in need, unfortunately, we can’t approve absolutely every request we get. We don’t claim to provide ‘payday loans for bad credit instant approval’ because we can’t promise instant approval. Every loan application is different, but we will always do our best to find a suitable loan product for your situation. 

Apply today!

*Only available for NPP enabled bank accounts

 

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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 - $10,000

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)
Establishment 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)
Establishment 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
Establishment 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.