Does Nifty Offer Fully Guaranteed Debt Consolidation Reduction Loans For Bad Credit?

Maybe you have been googling ‘guaranteed debt consolidation reduction loans for bad credit’ or ‘debt consolidation loans for bad credit online decision’? At Nifty, we don’t guarantee approval for each and every single applicant. All of us does their utmost to fit you with that loan item to match your situation that is individual, often this is simply not constantly feasible. The Nifty team is payday loans in Massachusetts about accountable lending, to ensure means if a consolidation loan for bad credit isn’t suitable for your situation that is financial we be truthful. We don’t want to waste your time and effort so we certainly don’t need to get you into further financial obligation.

At Nifty, you want to market relationships that are positive cash. All of us will be upfront and honest regarding whether a consolidation loan for bad credit could be the right move for you. If you’d prefer to make contact it is possible to deliver us a note and we’ll return to you at the earliest opportunity!

Whom Can Apply?

At Nifty, we love to allow it to be since direct as feasible to get into a consolidation loan for bad credit. We will perhaps not request you to complete hills of unneeded documents or wait months for approval. All of us works difficult to match candidates with appropriate loan services and products. Therefore, here’s exactly just just what you’ll need certainly to say ‘yes’ to if you should be thinking about publishing a credit card applicatoin for an on-line debt consolidation reduction loan bad credit:

  • You really need to have an active mobile quantity and current email address;
  • You really must be aged 18 or older;
  • A regular earnings must are deposited into the own personal banking account the past 3 months;
  • You’ll want internet banking set up;
  • You really must be in a position to show you might be an Australian resident or resident that is permanent.


We won’t ask you to definitely give plenty of unneeded documents whenever you make an application for an unsecured debt consolidation reduction loans bad credit with Nifty. We love to follow the fundamentals. Therefore, right here’s just just what need that is you’ll provide us with:

  • Individual information (name, D.O.B etc.);
  • 100 points of recognition;
  • Online banking details;
  • We shall need to find out the explanation you might be trying to get that loan;
  • Your MyGov details (in the event that you receive Centrelink benefits);
  • Employment details and company contact information;
  • Proof that you will be an Australian resident or permanent resident.

On The Web Banking Details

Are you currently wondering why we need your banking that is online information? At Nifty, we don’t base our evaluation entirely off your credit history. Which means we look much much deeper. All of us calls for your web banking details so as to gain access to read-only copies of one’s bank statements. We access your bank statements making sure that we could simply take a better glance at your earnings, investing habits and deposits that are regular. This provides us a much better idea as to whether or perhaps not you will have the ability to repay the mortgage. All things considered, this is basically the many essential component. There’s no necessity to however worry, Nifty utilizes the most recent in safe banking technology to make sure your data is definitely encrypted. Which means we are going to never ever be able to visit your details that are personal passwords.

Do Nifty Conduct Employment Checks?

Yes, at Nifty we do conduct work checks. Our dedication to accountable financing ensures that we every applicant’s employment status is confirmed through the loan evaluation procedure. There’s no necessity to worry, this is certainly only component of this procedure. All of us is extremely experienced and trained in conduct work checks. Therefore, this means we shall never ever reveal all of your information that is personal or the reason you may be trying to get that loan to your manager. You can get in touch if you have any questions regarding employment check!


Will you be thinking if I am receiving Centrelink?’ That’s a good question and one we get a lot‘could I still get a debt consolidation loans for bad credit online decision. Regrettably, there’s absolutely no straight yes or no solution. In certain full instances, Centrelink may be taken as a kind of earnings. Nonetheless, various other situations, we’re unable to accept Centrelink advantages. If you’re uncertain, all of us encourages you to definitely sign up – it’s totally free! You could even have an answer within 60 minutes if you choose to apply during AEST business hours. We do our better to offer all Aussies a reasonable go at a consolidation loan for bad credit no matter what the circumstances.

No Concealed Charges

At Nifty, we have confidence in 100% transparency. This means we shall be entirely truthful from the beginning. All of us will never keep some of our costs and costs a key. When your application for the loan is successful, we encourage you to definitely read your contract very carefully and work out yourself conscious of any costs or costs you can incur for late or failed re payment. All of us is here now to help you. Therefore, if you should be not sure, merely deliver us a note and we’ll do our better to clear your confusion at the earliest opportunity.

Prepared To Apply?

Do you want to use? The program it self could just simply simply take you a few minutes to accomplish. Therefore, right here’s exactly just how you are doing it…

Step One

Scroll up and employ our loan calculator to pick a amount and payment duration you like. Ensure that whenever are considering the instance repayments, you choose something you think you are able to pay for. Whenever you’re delighted simply click ‘apply now’.

Step Two

Then you will be directed straight to our 100% online application form if you’ve chosen to proceed with an application. This may just just simply take that you couple of minutes to finish. As soon as you’ve completed we will begin the evaluation to get returning to you at the earliest opportunity.

Step Three

In the event the application is prosperous a known user of y our group are going to be in touch. We shall deliver over that loan contract for you really to review and signal. We recommend you read your contract very carefully while making yourself alert to any charges and costs you can incur for late or failed re re payment.

Step Four

If we get your finalized contract all of us will straight transfer the funds for your requirements. It is vital to understand that sometimes transfer that is inter-bank make a difference the rate from which the money hits your account. Nonetheless, we do our better to enable you to get the bucks at the earliest opportunity (frequently on a single time).

We Help Local Aussies

At Nifty, we have been focused on assisting aussies that are local they want it. Have a look at the loans we’ve currently approved…

Disclaimer: the aforementioned examples are for demonstrative purposes just. They don’t, by any means, mirror the regards to your loan that is possible the total amount you are authorized for.

Andrew Bell

Since founding Nifty in 2016, Bell has proceeded to produce waves in the regional sector that is financial their continued ambition and willingness to look at appearing technologies.