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We only lend to customers who are over 18, Australian citizen or permanent resident, and employed with no more than 50% Centrelink income. If you meet this criteria and Nimble’s credit approval criteria, we can lend to you. Our expert team verifies all your details to make sure you’re in a position to repay. Our goal is for you to repay comfortably and have a great experience.

With Nimble, every on-time repayment is a step in the right direction. When you repay on time, we may share that positive history with Australia’s credit bureaus under Comprehensive Credit Reporting (CCR). Over time, this can give your credit score the chance to grow stronger, helping you look good to future lenders.

It’s simple: borrow smarter, repay on time, and you could boost your credit while getting the cash you need.

Disclaimer: Credit score outcomes aren’t guaranteed and depend on your personal credit history and circumstances.

If you’ve borrowed with Nimble before, you may be eligible for Mates Rates: our loyalty program that rewards returning customers with lower interest rates or reduced fees. Eligibility is assessed at application, and any discount is offered at Nimble’s discretion.

If you qualify, your Mates Rates benefit will be applied automatically once your loan is approved. Better still, Mates Rates can apply across all loan types.

Between our Nimble Loans, ranging from $500 to $5,000, and our AnyTime line of credit, we have several options for when the unexpected happens ®.

The amount you can borrow will be based on the amount you ask for and your personal circumstances at the time you apply. Nimble will perform an identity and credit check with a credit reporting bureau, as well as assess your income and expenses to ensure that the product you choose is right for you.

We are committed to delivering fast decisions. Our smart tech allows you to upload all relevant documents to the application from your mobile or computer. This enables us to get you an answer quickly. Keep your phone handy in case we need to give you a quick call. Once you're approved, accept your loan offer and you’ll get your cash within 60 minutes of confirming your loan.

Like most lenders, we carry out a credit check as part of our assessment of your application.

But don't worry if you have a default on your file - we may still be able to help you depending on the circumstances. Nimble may approve loans for some applicants with black marks on their credit history depending on the reason and timing of the mark. Credit history is only part of our application assessment - we also consider other information as a responsible lender.

However, there are still cases when applications are declined. If you are bankrupt, in a Part IX debt agreement or Part X personal insolvency agreement, have defaulted on short-term loans, or have an extremely bad credit history, your application will be declined.