Payday Loans Bad Credit With Instant Approval - Nifty

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Payday Loans For Bad Credit With Instant Approval

If you’ve been searching the web for payday loans bad credit instant approval you’re probably in need of some fast, short-term finance. You’re in the right place! Nifty Loans provides speedy cash loans to people with bad credit. 

Submit an application in minutes and we’ll endeavour to get you an outcome in just 1 hour*. Once approved, most people have the cash in their account within 60 seconds of signing their contract.* It’s not quite instant, but it’s pretty damn close. 

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. 

Who is Nifty? 

We’re glad you asked! Nifty is the new kid on the block. We’re making waves in the personal loan industry. We provide one of the fastest loan services in the country. 

If you’re looking for payday loans for bad credit with instant approval, then we may be able to help. Although we cannot provide this specific loan product, we do offer something very similar – fast approval of bad credit loans

We have a fresh approach to bad credit and we pride ourselves on being able to give Aussies the fair go they deserve when it comes to applying for finance. So if your credit score has caused you trouble in the past, then you’re in the right place. Although we can’t guarantee approval, we’ll do our best to find you a suitable loan product. 

What does payday loans for bad credit with instant approval mean? 

It’s a bit of a mouthful, but payday loans for bad credit with instant approval is a pretty simple concept. Essentially, this is a loan product that a lot of Aussies search for. Payday loans are a type of personal finance that allows you to borrow a small amount of money and repay them within a short period of time with interest and fees added on top. 

Bad credit typically refers to someone who has a credit score below 550. These people will usually find it hard to get approved for a personal loan from a bank. 

All credit providers are required by law to conduct an assessment on applicants. Any lender who offers instant approval is not conducting an assessment on applicants and is therefore not lending responsibly. 

An easy alternative to payday loans

A lot of people consider payday loans to be a quick fix to their short term cash flow issues. However, what people don’t realise is that payday loans have been illegal since 2013. A handy alternative to payday loans are personal loans. 

Personal loans are quite similar to payday loans in nature, except they give the borrower a bit of extra breathing room. Instead of having to repay their loan in a few weeks, personal loan repayment terms range from 6 months to a couple of years. 

Nifty offers quick cash loans. You can apply to borrow up to $10,000 and have up to 24 months to repay your loan (depending on the amount you apply for). 

Are instant approval loans a thing?

If a lender claims to offer payday loans with instant approval, be very cautious. Lenders and credit providers are required by law to conduct an assessment on applicants. If a lender provides instant approval that means they are not conducting an assessment and instead, approving everyone, regardless of whether they can manage the loan. 

Nifty doesn’t provide instant approval loans but we can offer just about the next best thing – fast personal loans with instant cash transfer! How fast? Well, if you apply within our business hours, then you could get an outcome in just 60 minutes. 

What about guaranteed approval loans? 

Online loans no credit check with guaranteed approval is a term that many Australians search into Google every day. But are they a real thing? Much like instant approval loans, lenders offering guaranteed approval aren’t following the lending obligations stated in the  National Consumer Credit Protection Act 2009.

These obligations say that all credit providers must conduct an assessment on their applicants. If a lender offers guaranteed approval then they are approving everyone regardless of whether or not they can manage the loan repayments. 

Nifty does not offer guaranteed loans. However, If your credit score has caused you issues in the past when applying for loans, then you can breathe a little easier when you apply with us. We only consider your credit score as a small part of our assessment. Instead, we prefer to focus on how you’re going to afford the loan repayments. 

Can I get an emergency loan with bad credit? 

Yes, absolutely! Unfortunately, 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 – perfect for anyone looking for payday loans with instant approval. 

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 you’re after a small loan to treat yourself. 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!

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’re receiving a regular income and you’re being responsible with your money, then you’ll have a better chance of approval with Nifty. 

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. 

Am I eligible to apply? 

With Nifty, it’s simple. If you’re looking for payday loans for bad credit instant approval, then a Nifty personal loan could be your best option. 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
  • Received a regular income into a personal bank account for 3 months prior to applying
  • Have an active email address and mobile number
  • Have internet banking

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. 

What documents do I need to provide?  

When you apply with Nifty, all documents are to be submitted online – no printing or scanning required. Before you start your application, we suggest having the following details handy: 

  • Contact information
  • The reason for your loan
  • Internet banking details
  • Mygov account details (if you receive Centrelink benefits) 

Why choose Nifty? 

Want to know why our customers continually return to use our services? Below, we’ve listed a few of the reasons that sets Nifty apart from the rest. 

100% online

Gone are the days of filling out paper forms and taking tedious trips to the bank. Our loan service is 100% online, meaning you can submit your application, get approved and have the cash transferred to your account without having to move from your couch! 

A fresh approach to bad credit

You’ve probably stumbled across this page because you were Googling ‘payday loans for bad credit with instant approval.’ At Nifty, we pride ourselves on being able to offer personal loans to people with poor and bad credit. Although we will conduct a credit check, we prefer to put more focus on your current finances when assessing your application.

Fast approvals 

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 outcome in 60 minutes.*

Instant cash transfers

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.

Transparent service

You probably have a pretty negative image of loan providers. We know there is a stigma associated with lenders offering payday loans bad credit with instant approval. Nifty is out here to change your opinion. We use transparency and honesty to ensure customers have a pleasant experience with us. We’ll clearly state your rates, terms and fees in your contract before you commit to your loan. 

Small payday loans no credit check

Small loans are a great way to get the cash you need to cover a small expense. A lot of online lenders can provide small personal loans to people with bad credit. 

Although Nifty doesn’t provide small payday loans no credit check, we can provide something very similar – small bad credit loans! You can apply for an amount as little as $300 and have the cash in your account before the days end. Sounds good? Scroll up to the top of this page to apply. 

How to apply for a loan

Searching the web for payday loans bad credit with instant approval? You could be in luck, Nifty offers online personal loans with fast approval for people with bad credit. To apply, follow the simple steps below:

Step 1: Apply online

When you’re ready, scroll up to the top of this page, choose a loan amount, and click ‘Apply Now.’ Then fill out the loan application. When you’ve provided all the required details, hit ‘Submit.’

Step 2: Get assessed

Once, we’ve received your application, a member of our staff will assess your application. If you applied during our business hours, then you could get an outcome on your loan in just 60 minutes.

Step 3: Get your cash

If you’ve been approved for a loan, a member of our team will send over a loan agreement for you to review and sign. When you’re happy, e-sign the agreement and submit it. 

Once we’ve received your contract, a member of our team will transfer your cash straight to you. Most people have the cash in their account within 60 seconds of signing their contract. 

Alternatives to payday loans

If you’v been scouring the internet for payday loans bad credit with instant approval, you could consider applying with Nifty. Although, we can’t offer this type of loan, we do offer bad credit loans with fast approval to some customers. Also, if you’re looking for any of the following loan options then we might be able to find an alternative for you:

No credit check payday loansPayday loans Australia
Payday loans CentrelinkBad credit payday loans
Guaranteed payday loans no matter whatPayday loans Centrelink no credit check
Payday loans weekend payoutBest payday loans Australia

I’m on Centrelink- Can I apply for payday loans bad credit with instant approval? 

If you’re receiving Centrelink benefits, and are on the hunt for bad credit payday loans, we’re here to tell you that you’ve got a few options. 
While Nifty doesn’t provide payday loans, we can sometimes provide personal loans to people receiving Centrelink. If we see that you can comfortably manage the loan repayments, then you’ll have a better chance of being approved.

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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