Cash Loans Canberra | Fast Cash Loans up to $10,000

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Just nifty loans.

Get your cash within 60 seconds of approval*

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Fast Personal Loan

up to $5,000

or

Car Loan

for cars over $10,000

Personal Loan

Car Loan

I want to borrow $1,000

For loans over $5,000 we recommend utilising your car as security.

Paid back over 9Months

Estimated repayments:

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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 Canberra

Nifty Loans offers cash loans Canberra up to $10,000 for eligible Canberra residents.

If you have been searching for Canberra loans, Nifty Loans offers personal loans for Canberra residents from $300 to $10,000. We are one of Australia’s fastest lenders; you could receive your cash within 60-seconds* of approval. 

Cash loans Canberra: To cover the unexpected

Quick loans Canberra were designed to be used by Canberra residents to cover unexpected costs that cannot be easily managed. Nifty Loans offers fast personal loans from $300 to $10,000 to cover a variety of expenses; from a dental procedure to unexpected vet bills, cash loans Canberra are a short term financial solution to help you cover the costs.

Nifty Loans is a 100% online lender. This means that we can deliver fast outcomes efficiently and effectively completely online. We are one of Australia’s fastest lenders, often delivering loan payouts within just 60-seconds**. We endeavour to get back to you within 60-minutes of your loan application*; when you are searching for quick cash loans, Nifty Loans may be the lender for you.

What are cash loans Canberra?

Loans Canberra, otherwise known as cash loans ACT, are a form of personal loan designed specifically to be used by Canberra residents. While Canberra is not a largely expensive city to live in, being 17.81% less expensive to live in than New York (without rent), it is still sometimes inevitable for bills to pile up and a strain to be put on your budget. Nifty Loans offers three types of personal loans: small loans, medium loans and large loans.

Small loans are personal loans between $300 to $2,000. Small loans are unsecured as the amount being borrowed does not create a high risk for the lender. Nifty Loans offers repayment terms of 6 to 9 months for this loan type.

Medium loans are for amounts from $2,100 to $4,600. Repayment terms vary from 9 months to 24 months.

Large loans range from $5,000 to $10,000. Repayment terms on large loans are also from 9 to 24 months.

Medium and large loans are both considered larger loans and, therefore, are secured loans. This means that an asset must be offered as collateral against the loan. This could be in the form of a car, motorbike or caravan. The reason for this is because these loans accompany a higher risk for the lender; secured loans allow us to continue to offer affordable rates.

For a more detailed breakdown of our loan options, refer to our costs page.

What can loans in Canberra be used for?

A common question we receive is ‘what can I use a loan for?’ A personal loan can be helpful in a variety of situations, as it is often difficult to source thousands of dollars with short notice. These are some of the most common reasons we receive personal loan applications:

  • Car repairs
  • Car insurance
  • Medical expenses
  • Dental costs
  • Multiple bills
  • Vet bills
  • Cosmetic surgery

How to apply

If you are ready to apply for a loan today, Nifty’s online application is simple and easy; you could complete it in just a few minutes. We endeavour to deliver our loan outcomes within just 60-minutes of submitting your application (if you apply within our business hours). Upon approval, you could have your cash within 60-seconds**. 

Step 1: Complete your online application form

Step 2: Our team assesses your application

Step 3: We will let you know the outcome of your application

Step 4: If approved, review and sign your contract

Step 5: Receive your money

Eligibility criteria

We have a few standard eligibility requirements all of our applicants must meet so that we can approve their applications. Before you apply, ensure that you meet the following criteria:

  • You are at least 18 years old
  • You have a consistent income into your bank account for at least 90 days
  • You are an Australian citizen or permanent resident
  • You have an active mobile number and email address
  • You have internet banking set up

Supporting documents

So that we can streamline your application process, please ensure that you provide your supporting documents at the time you submit your application. It may be helpful to have these documents handy when you apply:

  • 100 points of identification
  • Your basic personal information (date of birth, full name, address etc.)
  • The reason for your loan
  • Your online banking details
  • Your myGov login details (if you receive Centrelink payments)

Fast cash loans Canberra with bad credit

Nifty Loans is an online lender. This means that we can be more lenient in our credit requirements than traditional lenders like banks and credit unions. We provide bad credit loans to eligible applicants that can afford to make their repayments, even with bad credit. We conduct a thorough financial analysis on all of our applicants using their bank statements to ensure that a loan is manageable. If we determine that you can manage a loan, even with bad credit, we may be able to provide you with a same day cash loan.

All of our applications are subject to an independent assessment. We adhere to the responsible lending guidelines set by ASIC. We must still conduct a credit check on every loan application we receive; however, even with bad credit, we may be able to provide you with a loan.

FAQs

If you still have questions about our cash loans Canberra, you may find the answers below.

How much can I borrow?

You can apply to borrow any amount from $300 to $10,000. Our team will conduct a financial assessment to ensure you can manage your loan. Your repayment terms will vary depending on how much you borrow.

What are the fees and charges?

This will depend on the different loan amount and your current financial situation. Each loan type accompanies different fees and charges. Additionally, if you have a poor credit history, you will likely be offered a higher interest rate. All of the fees and charges will be clearly outlined to you in your loan agreement. 

Can I get cash loans Canberra if I receive Centrelink benefits?

We consider most forms of Centrelink as regular income. If you have been receiving your government benefits for at least 90 days and meet the rest of our eligibility criteria, we may be able to provide you with a loan.

*If you apply within our standard business hours.

**If you have an NPP-enabled bank account.

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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

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View 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

Medium Loans

Medium Loan Example

$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
Loan amounts:
$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

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
Terms:
12 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
12 Months, (52 weekly repayments
Establishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$35
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.