Quick Loans Bad Credit | Quick Application | $300 To $5,000 | Apply Today

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.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

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.

Quick loans bad credit what you’re searching for? Nifty Loans is the lender for you

quick loans bad credit

 

What are quick loans bad credit?

Quick loans bad credit are unsecured and secured personal loans from $300 to $5,000. Nifty can offer loans to those with bad credit ratings after a quick application and assessment. The repayment period depends on the amount you choose to borrow. Online lenders can provide quick bad credit loans by looking at your income and expenses rather than just your credit score.

If you’re looking for quick online loans with bad credit right now, then you’ve come to the right place. As a lender committed to giving every Aussie a fair go, Nifty Loans has a fresh take on bad credit. When we assess your application, we look beyond your credit score and assess your current relationship with money.

We can provide quick easy loans for bad credit for a variety of different situations, including emergency expenses:

Where can I get a quick loan with bad credit?

You can apply for a quick loan with bad credit from Nifty Loans. We’re a small online lender with a BIG difference – we can say ‘yes’ to people with poor credit. If you’re worried about your credit score, you may start searching for ‘quick loans bad credit’. As we said before, we assess your current relationship with money, rather than just a number. So, if you’re looking for a fair go on the finance you need, submit an application, and we’ll do our best to match you with a loan product that suits.

Where can I get the best quick cash loans bad credit?

We offer top rated loans for bad credit for every Aussies wanting a fair go. Don’t let bad credit hold you back, apply with Nifty for quick loans bad credit and receive a fair assessment.

Bank said no? Nifty Loans may be able to say ‘yes’. We take a different approach when we assess every cash loans bad credit application. We give you the best chance at securing the loan you need while adhering to responsible lending practices.

Where to get a quick loan with bad credit

Nifty is a trusted online lender that can provide quick money loans for bad credit. We look at all the contributing factors, including current income and spending habits. So, that means you get a fair go when you need it most.

The way we spend, save and store money has changed, so why shouldn’t the way we borrow change too? That’s why we have revolutionised the search for fast online loans for bad credit applications, making it simpler to borrow money.

When an emergency pops up, you don’t want to sit on the phone for hours or visit a branch to secure a fast loan. You need answers now. You need Nifty Loans. Submit an application in minutes, receive a decision within the hour** and if approved, have the money in 60 seconds*. Quick loans bad credit are possible with Nifty.

Where can I get an immediate loan bad credit?

Before we approve any application we conduct an assessment. We cannot offer guaranteed or instant loans bad credit; however, we have made our application form quick to fill out, deliver speedy decisions and cash in 60 seconds, if approved*.

While we assess your application, our experienced lending team may get in touch with your employer as a way of verifying your income. However, there is no need to worry as this is a part of our responsible lending practice. The Nifty team will never disclose any of your private information or the reason why you are applying for a quick loan with bad credit. That will always stay between you and our team.

We have found that many applicants are unsure as to whether or not they should apply. We can say ‘yes’ to bad credit and give every applicant a fair go on the loan they need. It could only take you a few minutes to submit an application. You might have the cash you need sooner than you think. Don’t let poor credit hold you back, apply for a loan for people with subpar credit today.

4 reasons you can apply for quick loans bad credit today

Quick loans bad credit can be used for a variety of different expenses – not just emergencies. If you’re unsure as to what you can use your loan for, here are some top reasons Nifty clients apply for personal loans.

Cash loans for a holiday

You can apply for a quick cash loan to make your dream vacation a reality. Maybe you are dreaming of a European escape, or maybe you want to take the family to Fiji for the holidays. Whatever the reason, if you need some extra cash to make it happen, Nifty could be the lender for the job.

Apply right now from your smartphone and receive an outcome within the hour**. To get started, use our loan calculator located at the top of this page head to establish a repayment period and amount that will suit your financial situation.

Quick loans bad credit for engagement rings

Nifty could provide you with bad credit finance you need for an engagement ring of her dreams. If you’re itching to pop the question, Nifty could provide you with bad credit unsecured personal loans with very fast approval. You won’t have to wait long for a decision. Apply during business hours and our experienced team does their best to get back to you within 60-minutes of application. You can have the cash in your account in 60 seconds* if approved.

Fast cash for dental bills

If just thinking about the dentist makes you shudder, the bill isn’t going to make you feel much better. Before you get in line at the bank, you could reach for your smartphone and apply for a dental loan in minutes with Nifty. When the dentist has given you the bad news let Nifty ease the burden. Apply now!

Bad credit finance for vet bills

When your best bud is under the weather it’s never a cheap experience. Vet bills can often exceed thousands of dollars and arrive just as the rego, water and utilities bills are due. We could provide you with $300 to $5,000 cash loan right now. If you’re thinking ‘oh no, my credit score is no good’, we welcome you to apply, and we’ll do our best to provide you with poor credit loans for vet bills.

What types of loans for bad credit rating can I get?

Nifty Loans provides small, medium or large personal loans. Below are the types of fast personal loans we provide:

Small Loans

A small loan can be taken out for any amount between $300 and $2,000 and repaid over 6 to 9 months. Small loans are unsecured. So, you are not required to attach an asset to secure the loan.

Medium Loans

Medium loans can be taken out for any amount between $2,100 and $4,600. The repayment period on a medium loan is between 9 and 24 months. It is not essential for approval; however, we do recommend that you attach an asset to your loan application as security, such as a car, motorbike, caravan or boat.

Large Loans

Large loans are cash loans of up to $5,000. The repayment period for a large loan is also 9 to 24-months. Again, security is not essential, but we highly recommend attaching it to your cash loan application.

We Help You!

We’re on hand to help everyday Aussies with everyday expenses, from holidays to vet car repairs. Below are a few examples of how we’ve helped:

Vet Bill Finance Amount Approved
Car Repair Loans $900  
Loans For People With Bad Credit $2,500  
Travel Loans $5,000  

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Am I eligible for quick loans bad credit?

To apply with Nifty Loans, you just need to meet the following requirements:

  • All applicants must be 18-years of age
  • An active email address and mobile phone number
  • Internet banking
  • You must have maintained an income for the last 90-days into a bank account of your own
  • You must be an Australian citizen or permanent resident

Meet all the requirements? You can apply with Nifty! Scroll up to begin your application.

What to have handy when you apply for a quick loan with bad credit

Before you apply, make sure you have the following information handy:

  • Your personal info (name, D.O.B, phone number etc – basic stuff)
  • Internet banking details
  • MyGov login details (if you are receiving Centrelink benefits)
  • You will be asked to provide the reason why you are applying for a loan

We use secure banking technology to access essential information such as your bank statements and Centrelink benefit statements, so you don’t have to attach paperwork. Apply in minutes and get back to what you do best, while we take care of the finance.

How to get quick loans bad credit?

Nifty’s application process is super simple and 100% online for your convenience. We don’t waste your time.

Step 1: To begin your application, use our loan calculator located at the top of this page and select an amount and repayment period that suit your financial situation. We will then show you an estimation of the possible weekly, fortnightly and monthly repayments for your proposed loan. If you’re happy then just hit apply now!

Step 2: If you’ve chosen to ‘apply now’ then you will be directed to our super-fast application form. This could only take you a few minutes to complete – we only need a few of the essential details to start the application approval process.

Step 3: If you are approved for a cash loan with Nifty Loans we will send you over a contract to review and sign. Nifty recommends that you read through the contract and ask us any questions that you might have. We are always here to help.

Once we receive the agreement back from you we send cash straight to your bank in 60 seconds*. Provided we receive your contract back during business hours, you might even have it the same day – this will, however, depend on interbank transfer times.

Simple and stress-free – that’s how we like it. So, let Nifty see what we can do for you today. Don’t face financial stress alone – apply today!

*Only available for NPP enabled bank accounts

**subject to when you submit your application

Quick loans bad credit what you’re searching for? Nifty Loans is the lender for you Overall rating: ★★★★★ 4.6 based on 232 reviews
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Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount: $1,000
Terms: 6 Months,
(24 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount: $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
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan 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
* 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.

Loan Costs

Small Loans

Small Loans

$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

Small Loan Example

Loan amount: $1,000
Terms: 6 Months,
(24 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $60.00
View Loan Details
Medium Loans

Medium Loans

$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

Medium Loan Example

Loan amount: $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
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan 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

* 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.