Cash Loans Canberra | Fast Cash Loans up to $10,000
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 $2,500 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, it is still sometimes inevitable for bills to pile up and a strain to be put on your budget. Nifty Loans offers two types of personal loans: small loans, medium loans and large loans.

Medium loans are for amounts from $2,500 to $4,600. Repayment terms vary from 9 months to 24-months, and medium loans can be either secured or unsecured.

Large loans range from $5,000 to $10,000. Repayment terms on large loans are also from 9 to 24-months. Large loans must be secured; 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?

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Car repairs
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Car insurance
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Medical expenses
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Dental costs
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Unexpectedly high bills
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Vet bills
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Cosmetic surgery
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.

Frequently asked questions

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 $2,500 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.

Ready to apply?

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.