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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 Personal Loans for Bad Credit? Read on!

Life can be tricky, and when life is bustling, financial mishaps are easily made. One or two late repayments or a cancelled credit card could lead to a less-than-perfect credit score. Applying for personal loans for bad credit can prove to be a challenge, traditional lenders may steer clear of you, or you could be hit with plenty of hoops. Well, don’t despair. If you have bad credit, you can give Nifty Loans a go.

Nifty Loans offer personal loans for bad credit customers. No strings attached. Just quick and simple lending. But, before getting into bad credit loans, we’d better introduce ourselves.

personal loans for bad credit

About Nifty Loans

Nifty Loans is an online lender that offers quick and easy finance to Aussies when they need it most. If you find yourself with a flooded kitchen or an ill furry friend, or in desperate need of a holiday, you know what to do. Whip out your phone or hop onto a computer and submit an application – it only takes a few minutes. We offer personal loans starting from $300 to $5,000, and the repayment period depends on the amount you decide to borrow.

We believe in no fuss lending. We don’t believe in making you jump through hoops just to access some quick cash. We believe in giving Aussies a fair go at easy finance applications. So, scroll up and apply today for personal loans, or even bad credit car loans!

What are personal loans for bad credit?

Personal loans for bad credit are simply personal loans for those with less-than-perfect credit. Applying for bad credit finance is nothing to be embarrassed about. Trust us, we’ve seen it all! That’s why we offer poor credit loans. We know that sometimes life doesn’t go according to plan, so you need a plan B or C! The loans we offer start at $300 and go up to $5,000. You can apply in a just a few minutes, and there’s no need for pesky paperwork! We’re 100% online, so we’re always here when you need us. Simply scroll up and fill out our loan calculator and click apply! It’s that easy to get started.

Personal loans for bad credit: Who is eligible?

At Nifty Loans, we want to give all Aussies a chance to apply for fast cash loans, however, we do have a few little requirements to meet before you can apply:

  • Must be over 18 years old;
  • Be an Australian citizen or permanent resident;
  • Be receiving a regular income into a personal account for at least 3-months;
  • Have an active mobile number and email address.

And that’s it. So, before you apply, simply tick off these four little requirements. If you’re eligible to apply for a personal loan for bad credit, we’ll get to work assessing your application.

What to have handy when you complete our application

Our application only takes a few minutes to complete, and if you have the following details handy, you’ll fly through our online form:

  • Personal contact details e.g. mobile number and email address etc;
  • Reason for your loan;
  • Bank account details;
  • MyGov info (if applicable);
  • Employment info.

That’s it. We’ll ask for a few bits and pieces, then just click submit and we’ll get to work assessing your application. Our team of loan specialists work quickly and they aim for a 60-minute turnaround on outcomes if you apply during business hours.

4 steps to complete our application

Our personal loans application is 100% online! That’s right. You can apply from the comfort of your living room, or when you’re on the go. All you need is a device, connected to the internet and you’re ready to apply! Simply follow these steps:

Step 1: You apply online

Applying online is easy and only takes a few minutes. So, brew your favourite cozy beverage and complete your application from the comfort of your home. Or, if you’re on the go, our application is just a tap away.

To begin your application, simply scroll up and use our loan calculator. Select how much you wish to borrow and for how long. Then, select how frequently you wish to make your repayments, either; weekly, fortnightly or monthly. This will bring up a rough idea of what your loan may cost. If you’re happy with what you see, you can click the Apply button to continue your application. We’ll just ask for a few more details, then you’ll be ready to submit! Easy, right?

Step 2: See if you’re eligible

After you submit your application, our team of loan specialists behind your screen will get to work assessing your loan. Their first step is to see if you’re eligible. We don’t like cheesy suspense, so within minutes of applying, we can let you know whether you’re eligible. If we need any extra to assess your application, we’ll contact you, otherwise, just sit back and relax whilst we do all the legwork! That’s Nifty.

Step 3: We assess your application

If you’re eligible for bad credit loans, then we’ll get right to assessing. Whilst we assess your application, we’ll adhere to responsible lending practices. So, we only approve applicants who can afford their repayments. If you apply within normal business hours, we’ll do our best to assess your application within 60-minutes.

Step 4: Cash straight to your bank

If your application is approved, we’ll send over a digital contract for you to review. If you’re happy with the offer, simply digitally sign and our team will handle the rest. 100% online from application to approval! After you sign, we’ll transfer your cash straight to your bank. Times may vary depending on the speed of your bank.

That’s it. Just 4 steps and you could have cash in your pocket when you need it most. Nifty, right?

No hidden costs

When you think Nifty, don’t think shady shopfronts. Think fast service, modern delivery and loan specialists who care. That’s Nifty. And we apply it to everything we do, including loan costs. All loan costs and additional fees and charges will be outlined in your contract. For now, you can find a general idea of what our loans may cost at the bottom of this page for the following loan types:

Small Loans Unsecured $300 – $2,000
Medium Loans Secured $2,100 – $4,600
Large Loans Secured $5,000

Other fees and charges may be payable. If you miss a payment or default on your loan contract, you may incur additional fees may be added to the balance of your loan. All fees and charges are clearly outlined in your loan contract. If you have any further questions regarding the fees and charges attached to your loan, get in contact with our friendly team of loan experts.

Quick and easy repayments

If you’re after slick and modern service, Nifty delivers! When you borrow with Nifty, gone are the days when you had to set hundreds of reminders only to forget to send your repayment. Upon signing your contract, we’ll set up a direct debit with your nominated bank account and your repayments will be deducted automatically! That’s right, automatic repayments. Just make sure you have enough funds in your account when your repayment is due.

What paperwork do I need for personal loans for bad credit?

None. Absolutely none. Our speedy application is 100% paperwork free. There’s no need to start yelling at your scanner or sleep through a lengthy application. Just brew a cozy cuppa and zip through our application – all before your cuppa grows cold. That’s why our application only takes a few minutes to complete. We use the latest in safe banking technology to assess and process your application. At Nifty, we think of everything, including the trees, so our application process is 100% paper-free!

Do we perform credit checks?

The short answer is yes, we do perform credit checks, however, don’t let that deter you from applying for personal loans for bad credit. We may perform credit checks, as part of our responsible lending practice, but we look at more than just your credit score. We also look at your current relationship with money. One or two financial mishaps in the past, shouldn’t disrupt your chance for finance in the future. So, don’t shy away on account of bad credit, you’re welcome to apply and we’ll do our best to help.

Do we offer cash loans for people on Centrelink?

Yes! We sure do. If you receive Centrelink you may have been knocked back by traditional lenders. At Nifty, it’s different. As part of our assessment policy, we can classify most Centrelink payments as regular income as long as you’ve been receiving the payments for at least three months. So, if you’re receiving Centrelink and are in need of some quick cash, fill out an application and we’ll do our best to help.

What other loans do we offer?

Personal loans for bad credit isn’t all we have on offer! Rain, or shine Nifty Loans offers quick loans for everything in between. Here’s a list and see if any meet your needs:

And the list could go on! We offer all kinds of loans for a variety of reasons. So, get creative! When you find yourself needing some spare cash, apply with Nifty and we’ll do our best to help.

Plan your next holiday with the help of Nifty

At Nifty, it seems all our applicants have the travel bug, as it’s one of the most popular reasons for a loan. And with good reason, a quick travel loan can help boost your funds to help make your next getaway a standout. A travel loan can fund any aspect of your trip, accommodation, flights, car rentals – you name it, and we’ll do our best to approve you for a travel loan you need. So, scroll up and apply today!

Why Nifty Loans?

You may be thinking they’re plenty of lenders out there, why choose Nifty? Well, we’re glad you asked. Nifty Loans is a fresh, modern and quirky lender that aims to give Aussies a chance at applying for easy loans. When you need cash we know it’s usually quickly. You don’t plan an emergency, that’s why our team acts fast when you apply for a personal loan for bad credit. There are a few other reasons why Nifty is well, Nifty!

  1. Quick outcomes;
  2. Cash straight to your bank;
  3. Trusted by Aussies – see for yourself on Product Reviews, TrustPilot and Word Of Mouth;
  4. Transparent about costs and terms;
  5. Friendly customer service.

Nifty Loans is always on hand when you need us. You can even apply for personal loans for bad credit outside of business hours. Our team, however, only assess application during normal business hours, but why not get the application out the way now? Just scroll up and apply today.

Let’s be friends

Have bad credit and looking for a personal loan? We may have the answer, personal loans for bad credit. We may conduct credit checks, but we look at more than just your credit score. Nifty Loans can give second chances to those with less-than-perfect credit. So, don’t let your credit score stop you from applying for cash when you need it most.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter, Google + and Pinterest and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Nifty tells all about personal loans comparisons.


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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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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
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.