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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.

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 $10,000 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.

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 $2,500 – $10,000. The repayment terms for these products vary depending on the loan amount, though, they generally fall between 9 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 Type Amount Term (Months) Loan Security
Medium Cash Loan $2,500 – $4,600 9 – 24 Unsecured or Secured
Large Cash Loan $5,000 – $10,000 9 – 24 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

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.