Where can I get a guaranteed payday loan?

There is no such thing as a guaranteed payday loan. Like all types of loans, payday loans are based on a number of factors. If you think you’ve found someone who will lend you a guaranteed payday loan, you should beware - this could be considered irresponsible.  When you’re looking for a payday loan, it’s important to go with a reputable company. At Nimble, we’ve been lending to Australians just like you since 2004 - and we’re very proud of all we’ve achieved so far. 

Here at Nimble, we understand that the need for fast funds when you’ve encountered a difficult situation is a reality for many people. That could be something like an emergency home repair or car repair - things that we just can’t see coming. 

We have various factors that we consider when looking at approving your loan. Just because you have bad credit, doesn’t necessarily mean you won’t be a suitable applicant. Like all responsible lenders, we consider your credit history, however we also consider your recent financial activity. We do this by looking at your recent bank statements to best understand how we are placed to help you. 

Getting a Nimble loan is relatively straightforward and we’ve spent lots of time making it this way. You can apply from any device - laptop, tablet or mobile. Once you decide what type of loan you would like, it’s time to decide how much you’d like to borrow and for how long. Following that, we’ll ask you some pretty basic questions about your identity, and we’ll ask you about your income and expenses. And the last step is easy - once we’ve verified your details, most people will get an answer within minutes.  Your loan is paid directly into your bank account via bank transfer. Once confirmed, you’ll have the money in under an hour (if confirmed before 4.30pm AEST during banking days).*

The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Terms, conditions, fees and charges apply, and are subject to change. Applications are subject to Nimble’s credit approval criteria. Redraw not available.

Nimble members who have previously borrowed and repaid one or more loans in full may be eligible to apply for up to $10,000 in their Member Area.

For our Small Loans of $2,000 or less, an APR (Annual Percentage Rate) doesn't apply. These loans are fee-based only, and so they don't have an APR. The establishment fee is 20% of the amount borrowed and the monthly fee is 4% of the amount borrowed.

For our Personal Loans between $2,050 and $5,000, the Annual Percentage Rate (APR) is 47.6158% (Comparison rate 65.6597% p.a.) and there is a $400 Establishment Fee. For our Personal Loans between $5,050 and $10,000, the Annual Percentage Rate (APR) is 47.6158% (Comparison rate 47.6158%) and there is no Establishment Fee.

*Funds will generally be transferred within 60 minutes of the loan contract being signed between 9:00 am and 4:30 pm AEST on business days. Clearance times are subject to your bank.

Warning about borrowing