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  • 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.

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

*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.*

*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.

Cash Loans ACT: Apply for loans up to $5,000 with Nifty!

Andy

Andrew Bell

Last updated: April 21, 2020

  • 5 min read

5 min read

Cash Loans ACT: What are they?

In need of some quick cash? Don’t want the hassle of long queues or paperwork? Well, cash loans ACT could be your answer! ‘What are they?’ You may be asking yourself. In short, Cash Loans ACT are small personal loans that can be used for a variety of expenses. You can apply for almost anything, think loans for car repairs, medical expenses or white goods. The list just goes on! So, if you’re living in the ACT and would like a small loan, Nifty could be your answer!

By the way, if you are curious, you can find details on loans from Centrelink here.

Cash Loans ACT

Who’s Nifty?

We’re Nifty! Your very own Australian based lender offering small to medium cash loans ACT completely online! What does this mean for you? Well, online applications allow you to easily apply for loans up to $5,000 from the comfort of your home. Along with this, you can expect fast processing times and faster outcomes. In fact, apply within regular business hours and we will aim to have an answer within 60-minutes. How easy is that?!  Wanna hear the best part, though? If you have an NPP enabled bank account, you could even receive your funds within seconds of signing. 

Now that you’ve heard a little about Nifty, let’s look into Australia’s Capital Territory. A brief history followed with the best things to see and do if you’re a traveller or a local looking to explore your backyard!

A little about the ACT

In the times before 1911, the Australian Capital Territory (ACT) did not exist. Instead, the land it now covers remained under the state of New South Wales. Before this time, Australia also lacked an administrative centre, the capital city where the federal government would be established. Originally, it was decided that Sydney would become the capital due to its large population and economy. Though this was challenged when Melbourne began to grow rapidly, in some part due to the Australian gold rush. 

So as to settle the matter, the establishment of a new “neutral ground” was proposed. After further debate, the state of New South Wales agreed to provide the land for the creation of the Federal Capital Territory, as the ACT was then known. By 1910, the legal framework for the creation of the new territory was introduced and on the date of the 1st of January 1911, control of the Territory was officially assumed by the Commonwealth.

The Construction of Canberra

Within this brief history, it is also important to mention the city of Canberra, as it now stands as the capital city of Australia. Within the early development of the ACT, it was decided that a new city should be established within the capital territory. A competition for the design of the city was opened. Participants from all over the world submitted their plans for what would become an Australian icon. 

The winner of this competition, Chicago architect Walter Burley Griffin, proposed a design that had an abundance of geometric patterns, incorporated concentric hexagonal and octagonal streets emanating from several centres. It had, as its centrepiece, an elaborate lake composed of smaller bodies of water, with extensive natural vegetation around it. The lakes and geometry were deliberately designed so that their orientation was related to various natural topographical landmarks. It was further intended that buildings of national significance and natural landmarks would align with these geometric axes.

Construction would commence on this project in 1913 and would continue over the next 70-years; slowly but surely, though, Canberra began to take shape. With the completion of New Parliament House in 1988, it could be said that Walter’s plan had finally come to life. Though, being a City, it will never stop growing.

Everything to see in the ACT

Well, maybe not everything – though, we have compiled a quick list of things to do and see if you’re in the ACT! If you’re in need of some cash in your travels, look to Nifty for cash loans ACT.

Questacon

Got kids? This will be the perfect stop for you! The National Science and Technology Centre, better known as Questacon, is located just south of Lake Burley Griffin in Canberra. With over 200 interactive exhibits, it houses fun for the entire family! 

Kids a bit knackered? Stop by the cafe for a bite to eat and a little relaxation before getting back into the thick of things. Before you leave, though, you have to make sure you stop by the Questacon shop to check out the cool, ‘sciencey’ gadgets on offer!

Parliament House

Of course, we had to mention this Australian icon. New Parliament House stands as the meeting place for the federal parliament in Australia. This fascinating structure offers the perfect place to gain greater insight into the inner-workings of our country.

When visiting, take some time to learn about the Australian flag, explore the gardens and view the House of Representatives from the public galleries! What better way is there to view parliament than to watch it live!

Tidbinbilla Nature Reserve

Just a hop, skip, and a jump away from the Canberra CBD, the Tidbinbilla Nature Reserve is the perfect getaway when exploring the ACT! See koalas, kangaroos, birds and reptiles. Keep an eye open for wandering wallabies and emus, and, if you’re lucky, you may even catch a glimpse of an elusive platypus!

Slap on those hiking boots and choose from one of the 22 marked trails. Depending on the trail, it might range from a 15-minute stroll to a full day hike! If that’s not your style, take the kids to the Nature Discovery Playground and have a picnic with the available BBQ facilities and fresh air. Still not satisfied? Take a learning experience with some of the park’s guided activities and learn of the surrounding flora and fauna. 

Cash Loans ACT by suburb

Are you in the ACT and looking for a cash loan? Need to know which suburbs we can help? Well, the good news is we can help them all! So, if you’re in any of the following suburbs, feel free to apply for cash loans ACT:

  • Barton;
  • Yarralumla;
  • Forrest;
  • Deakin;
  • Red Hill;
  • Hughes;
  • Garran;
  • Lyons;
  • Curtin and
  • Braddon.

Why choose Nifty for cash loans ACT

Here at Nifty Loans, we like to think we’re different from the typical money lender. We like to take a realistic approach to money lending. Have a few previous hiccups? No worries! Nifty employs an innovative assessment process that looks deeper into an applicant’s current financial position. 

As mentioned earlier, we offer personal loans from $300 – $5,000. The repayment terms for these products vary depending on the loan amount, though, they generally fall between 6 and 24 months. Depending on your situation, we can offer either secured or unsecured loans. For greater comparison, the table below outlines the specifics for each loan product. 

Loan TypeAmountTerm (Months)Loan Security
Small Cash Loan$300 – $2,0006 – 9Unsecured
Medium Cash Loan$2,100 – $4,6009 – 24 Can be Secured
Large Cash Loan$5,0009 – 24 Recommended Secured

For more general information on personal loan interest rates and fees, visit the Moneysmart website.

Want to know more?

So, if you’re after cash loans ACT… Apply today!  There are a plethora of places waiting for you to explore!. If you’re interested in our other loan products, or just have a question, feel free to hit us up from our Contact Us page.

Want more of Nifty? You can also follow us on Facebook.

*If you apply during business hours and we don’t require any additional information from you


Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Grown Tree 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
Growing Tree 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
Potted Plant

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
* 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

Potted Plant

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
Growing Tree 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
Grown Tree 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.