Do You Need Quick Loans Bad Credit? Nifty Personal Loans Is A Lender With A Difference. Get In Contact Today!

quick loans bad credit

If you need a lender to provide you with quick loans bad credit right now, then you’ve come to the right place. Nifty Personal Loans takes an alternative and fresh approach to bad credit. We prefer to look at other factors and see you as an individual. At Nifty, we know you are much more than just a credit score. The Nifty team knows that everyone makes mistakes. Our team prefers to focus on your current relationship with money. So, in other words, we try not to dwell on the past. Therefore, there is absolutely no excuse to feel like you can’t apply for a bad credit loan today.

We could provide you with cash for a variety of different situations… cash loans for cosmetic surgery, relocation loans, IVF loans, funeral loans, even loans for unemployed people.

Why Should You Trust Nifty

Nifty Personal Loans is a lender with a significant difference – we lend to people with poor credit. Quick loans bad credit is not a term that should scare our customers. As we said before, your current relationship with money is what interests us. If you’ve had bad experiences in the past we can help you overcome and move on. If you submit an application, we will do our very best to match you with a loan product.

There are no false promises when you deal with Nifty. Although we can not guarantee approval for every applicant, we can guarantee you a fair go. If you’ve made it to us you’ve probably already realised that it’s almost impossible to get a quick loan bad credit with the bank. Traditional lenders are generally reluctant to provide guaranteed approval loans for bad credit applicants. Bad credit unsecured personal loans with very fast approval times are few and far between. However, with Nifty, you could have found the lender for the job.

Who Are We?

Nifty is a trusted lender when it comes to unsecured personal loans bad credit instant decision. We look at all the contributing factors. That means you get a fair go when you need it most. Unlike traditional lenders, we understand what it’s like to be in a financial crisis. It’s difficult to know who to turn to and who to trust. Often times you are promised the world only to find out that what you see is not what you get in any way, shape or form.

Sitting for hours on the phone just doesn’t cut it in an emergency. You need answers now. That’s why if you apply within business hours, we’ll get back to you with an outcome within 60-minutes. If it takes a little longer, don’t stress, we may just need some more information from you. You could even have the cash you need by the end of the day.*

*This is, however, provided you sign your contract during business hours and is subject to interbank transfer times.

We are all about speedy and responsible lending. In a fast-paced world, gone are the days of spending hours in line at the bank to no avail. There is no longer any need to sit on hold only to end up talking to an automated voicemail message. You can get pretty much anything you need online. So, why should cash be any different? That’s why we have revolutionised the search for guaranteed approval loans for bad credit applications. You can now apply 100% online super quickly with Nifty Personal Loans.

Do We Loan Cash For Bad Credit?

Yes. Nifty does not do guaranteed approval loans for bad credit applications. However, we do believe in being 100% transparent with our applicants. So, we will not guarantee your approval, but we will guarantee you the fair go you deserve. Nifty will take your entire financial situation into consideration whilst looking at approval for quick loans bad credit. We have a look at what your spending habits entail as well as your income. Our experienced lending team may also get in touch with your employer as a way of verifying your income. But, there is no need to worry – this is just procedure.

The Nifty team will never disclose any of your private information or the reason why you are seeking an unsecured personal loan bad credit instant decision. That will always stay between you and the lending team.

We have found that many applicants are unsure as to whether or not they should apply. We say yes! It could only take you a few minutes to submit an application. So, what have you got to lose? You might have the cash you need sooner than you think. Don’t let finance stand in your way anymore, apply for a loan for people with subpar credit today.

What Could I Use My Cash Loan For?

Cash loans can be used for a variety of different expenses – not just emergencies. If your unsure as to what you can use your loan for here’s a few examples. Otherwise, you can get in touch at

Cash Loans For A Holiday

That’s right, you could get a 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. You can even apply right now on your mobile phone. If you head to you can use the loan calculator to establish a repayment period and amount that will suit your lifestyle. Don’t let finance stand in the way of life. Apply today with Nifty Personal Loans and you could have a decision in 60-minutes (during business hours).

Bad Credit Finance For Engagement Rings

Engagement rings can be pricey… especially if you want the real deal. Why should you have to sacrifice the ring you really want to give her just because of finance. That’s right, Nifty could provide the cash you need for an engagement ring of her dreams. Why wait any longer. After all, if you know, you know – right? There is no time like the present and not even a poor credit rating has to stand in your way. Nifty could provide you with bad credit unsecured personal loans with very fast approval times – 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 could even have the cash in your account by the end of the day, however, this is subject to interbank transfer times.

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 cash loan with Nifty. Nifty could provide you with the cash you need instantly. There is no need to wait in line at the bank for hours. Nifty is 100% online – we don’t waste your valuable time. We believe cash loans should be quick and easy in our fast-paced world. When the dentist has given you the bad news let Nifty ease the burden. Apply now!

Finance For Vet Bills

When your furry friend is under the weather it’s never a cheap experience. Vet bills can often exceed thousands of dollars and never come at a convenient time. So, why not let Nifty do the hard work for you? We could provide you with $300 to $5,000 cash right now. If your thinking ‘oh no, my credit score is no good’, there’s no cause for concern. Nifty looks past bad credit. We prefer to focus on how you are going to repay your loan rather than dwelling on the past. We will take a close look at your income and spending habits as an indicator as to whether or not you will be able to repay the loan. You are absolutely guaranteed a fair go with Nifty Personal Loans when it comes to bad credit cash loans guaranteed approval.

What Type Of Loan Can I Apply For?

In general, Nifty can provide either a small, medium or large cash loan. Not sure what that means, let us explain…

Small Loans

A small loan can be taken out for any amount between $300 and $2,000 and repaid over a period of 9-months. Small loans are unsecured. That means you don’t have to provide any equity. Wondering what equity is? Equity can be in the form of a car, motorbike, caravan or boat. Small loans are very convenient if you do not own any of those four things.

Medium Loans

Medium loans can be taken out for any amount between $2,001 and $4,600. The repayment period on a medium loan is between 13 and 24-months. It is not essential for approval, however, we do recommend you attach equity to your loan application. Equity can be in the form of a car, motorbike, caravan or boat.

Large Loans

Large loans are cash loans of up to $5,000. The repayment period on a large loan is also 13 to 24-months. Again, equity is not essential, but we highly recommend attaching it to your cash loan.

We Help You!

We love helping Aussies. Here are some examples…

Fast Cash Now OnlineAmountApproved
Quick Cash Online TodayAUD ($)900
Loans For People With Bad CreditAUD ($)2,500
Cash Loans TodayAUD ($)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.

What You Need To Apply

You might be wondering what you will need to apply. Here it is…

  • Your personal info (name, D.O.B, phone number etc – basic stuff)
  • Online banking set up (you will need your login details to allow access read-only copies of your bank statements)
  • MyGov login details (if you are receiving Centrelink payments)
  • You will be asked to provide the reason why you are applying for a loan
  • You must be an Australian citizen or permanent resident
  • Pretty simple isn’t it. We don’t need a whole lot. Nifty prefers to keep things as simple as possible. We only deal with the essentials so it is super easy for you to apply wherever you are and whenever you like. You could even apply on your smartphone.

    Who Can Apply?

    The criteria are pretty basic as to who can and can’t apply…

    • All applicants must be 18-years of age
    • An active email address and mobile phone number
    • internet banking must be set up
    • 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

    How Do I Apply

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

    Step 1: Head over to and use our loan calculator to select an amount and repayment period that suit your lifestyle. We will then show you the weekly, fortnightly and monthly repayments on your 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 Personal 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 will release your funds in the next round of banking. 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!

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

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

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

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

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
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.

Who we've helped

man sitting with phone
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Look after centrelinkers

"Most companies give people on centrelink small amounts but nifty gives a fair go. I was approved $800 on my first loan."

- Trevor Cook


How customers rate Nifty's Personal Loans

Do You Need Quick Loans Bad Credit? Nifty Personal Loans Is A Lender With A Difference. Get In Contact Today! Overall rating: 4.6 out of 5 based on 232 reviews.

Types of loans