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up to $5,000

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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

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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 in your bank within 60 seconds of approval*

*Only available for NPP enabled bank accounts

- It's possible with Nifty.

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Cash in your bank within 60 seconds of approval*

Cash Loans Canberra Could Be The Solution You Need

Personal loans for Canberra residents

There’s nothing worse than needing fast finance but not knowing where to turn to. You’re already stressed out due to the fact that you now have to shell out a bunch of unexpected cash and you’ve completely blown your budget for the month. That’s where cash loans Canberra could get you out of a sticky situation. 

Nifty specialises in fast, convenient, 100% online loans. We’re basically your best friend when it comes to needing a bit of spare cash, fast. We all know that those pesky bills have a way of creeping up, or that sometimes life throws curve balls and we’re left with a hefty and unexpected price tag. Our loans are designed for situations just like this.

At Nifty we offer personal loans minus the tedious nature associated with applying for loans. We’re here to make your life easier, not harder. With this in mind, you can trust that Nifty has your best interests in mind. You can also check out how to save a few bucks on fuel here.

Cash Loans Canberra

What are cash loans Canberra?

Cash loans Canberra or cash loans ACT are basically small personal loans that you can apply for online when you’re in a hurry. No matter what suburb you live in, Woden, Belconnen, Tuggeranong, Gungahlin, Molonglo, Campbell, Kingston, Moncreiff, Wright, a Nifty Loan could be what you need! They’re brilliant in that they can be used for a number of different reasons and can be tailored to each client’s wants and needs. Only looking to borrow $300? No problem. Do you maybe need a larger loan of $5,000? We have you covered. Due to our easy online application process, you could have your application underway in just minutes. 

Who can apply for cash loans Canberra?

So far everything about cash loans Canberra is sounding pretty damn good right? Now you’re sitting there wondering about whether you’re eligible to apply or not. The good news is that Nifty is all about inclusivity. We like to keep our application criteria as simple as possible. If you can answer ‘yes’ to the following, then feel free to submit an online application at the top of this page!

  • You must be at least 18-years of age at the time of application;
  • You must have a regular income for at least the last 3-months being deposited into a personal bank account;
  • You must have an active Australian phone number and email address;
  • You must be an Australian citizen or permanent resident;
  • You must have internet banking set up.

See? Nice and simple, just like we said. If you tick all of the boxes above, then we’d love to hear from you.

How do I go about applying?

No one has time for overly complicated application forms these days. We live in a fast-paced, high-stress world, where everything needed to be done 5-minutes ago. With this in mind, our cash loans Canberra application process couldn’t be easier, or faster. We’re not going to insist you hunt down a bunch of documents or wait in line for 3-hours. That’s not our style. Instead, we’re going to introduce you to our 100% online application process that you can have completed in just minutes. Sound like something you might be interested in? Read on to find out more.

Step 1 – Submit your application online

To get your application started, simply scroll up and let us know how much you’re looking to borrow and the repayment period, using our handy loan calculator. When you’re happy, hit the ‘Apply Now’ button to get your application off to a flying start.

Step 2 – Complete your cash loans Canberra loan application form

Now, we’ll get you to provide us with some details such as your name, D.O.B, employment status and also your reason for your loan so that we can get to know you a little bit better. Once you’ve filled these out hit ‘Submit’. This process should only take you a few minutes.

Step 3 – We’ll assess your application

You’re all done and now it’s all up to our team of talented assessors to get to work on your application. Our team will conduct a thorough assessment of your application, and depending on when you applied, you could have your outcome in as little as 60-minutes.

If you applied outside of our business hours (AEST) don’t panic too much, we’ll get back to you first thing next business day.

Step 4 – Review your cash loans Canberra contract

If your application for a loan has been successful, we’ll send through a digital copy of your loan contract. We always encourage everyone to thoroughly review their contracts and take note of some important details. These details include things such as your repayments dates and amounts as well as any fees or charges for missed or late payments. Once you’re happy with your contract simply electronically sign it. 

Step 5 – We transfer your cash into your account

Once we receive your signed contract a member of our team will transfer your cash straight into your bank account. Depending on who you bank with, you could have your cash in your account in as little as 60-seconds (for NPP enabled bank accounts). Otherwise, you should see your cash in your account within the next few hours, or at the very latest, overnight tonight. It’s really that simple! 

Nifty takes responsible lending seriously

Responsible lending is such an important aspect of not only our business but our relationships with our customers. If you, our customer can’t trust that we have your best interests at heart, you can’t be sure that we’re doing everything we can to help you out. It’s inevitable that the mental image of a shark is going to come to mind when thinking of small finance, but we’re here to stamp that image out of existence. We’ve made it our mission to prove to you that that image simply isn’t Nifty.

We often get asked why we conduct such thorough assessments of every application we receive. One of the reasons that we perform such a thorough and fair assessment of every application we receive, is our commitment to responsible lending practices. By this, we mean that we will never offer cash loans Canberra to someone if we don’t think they can afford the repayments. We undertake a responsible assessment to determine that a loan is the right option for you personally. This is us showing you our commitment to responsible lending and to you, our valued client.

Can I still apply if I have bad credit?

Traditionally, if you didn’t have the best credit history, it was next to impossible to receive further finance, especially with more traditional lenders like banks and credit unions. Lenders would take one look at your application, see your less than perfect credit score and almost instantly reject you on the spot. That isn’t Nifty’s style. We’re not here to judge you on your past mistakes. We are here to give you the fair go you deserve. We’re here to help you out with cash loans Canberra if we can.

When our team takes a look at your application, they assess you on a multitude of different points, not just your credit history. We like to have a thorough overview of your entire application and relationship with money before we make any decisions. At Nifty, it’s never an automatic ‘no’ based on your credit history. Yes, we will conduct a credit check but no won’t assess your application purely on the basis of your credit score. Did you know that we actually offer emergency loans for people with bad credit who need a bit of a helping hand?

Sound like something you may be interested in? Why not scroll up and submit an application? You’ll realise the Nifty difference quickly! 

What about if I receive Centrelink?

We definitely accept applications from people receiving Centrelink. Nifty is always here to help, no matter if you receive Centrelink benefits, are employed or are receiving a combination of both. As long as you can show that you’ve been receiving a regular income into your personal bank account for the last 90-days, then you’re absolutely eligible to apply. If you are receiving Centrelink benefits, just remember to upload your Centrelink Income Statement with your application (we’ll let you know exactly when) and you’re good to go.

What do I need to apply?

We’ll need a few important pieces of information from you when you submit your application. We need this information so that we can undertake a thorough application and ensure that you’re getting the full Nifty service. By having this information ready before you start your application, you’ll ensure that the application process is nice and simple and we can get straight into the assessment stage and get you your outcome as fast as we can.

  • Your personal details – name, D.O.B, address, phone number;
  • Your reason for applying for cash loans Canberra;
  • Your MyGov login details (only applicable if you receive Centrelink or Government benefits);
  • Your internet banking details – so that we can secure a read-only copy of your recent bank statements;
  • Employment details and their contact information (we may need to get in touch if we need to verify your employment status).

What can I use my cash loans Canberra for?

Okay, now you know what cash loans Canberra are and how to apply, but, what exactly can you use your loan for? Well, that’s the beauty of a small personal loan. You can use your loan for so many different reasons. A personal loan is called a personal. Need some spare cash to finally finish off that car restoration you’ve been working on for years? No worries at all. Want help with moving costs so you can finally get your own place and get out of the rental rat race? Nifty has you covered. Or, perhaps you’re looking at buying that engagement ring for your partner and popping the big question? You know who to turn to.

Thinking of heading off on a little family getaway in the next long weekend? Why not sample some of the delights that Canberra has to offer? Whether you’re looking to go on an all-day wine tour or a jump in a hot air balloon at Sunrise, there are plenty of amazing things to do and see around Canberra. Australia is a beautiful country and it would be criminal if we didn’t appreciate and take advantage of what we have to offer.

If finances have been standing in the way of you living the life you want, then your prayers have been answered, cause we’re here to help. Cash doesn’t have to be an issue when you have Nifty on your side.

What are you waiting for?

We think we do things pretty great at NIfty. Don’t take it from us though, find out for yourself! We take the stress and hassle out of getting finance and we make it as easy as possible for you, our valued customer. You can always rest easy knowing that Nifty adheres to responsible lending practices and that we will always have your best interests at heart. To recap, here’s what Nifty offers:

LoansPersonal loans between $300 and $10,000
TermTerms vary between 9 and 24 months depending on loan amounts
EligibilityYou must be 18-years or older; be an Australian citizen or a permanent resident; be receiving a regular work income into a personal bank account for the last three months; have internet banking set up; have an Australian phone number and email address
DocumentationsYou must provide us with some personal details (such as your name, date of birth, address etc), and contact details (such as your email address and mobile number).

When life throws you a curveball or two you don’t have to face it alone. Get in touch with Nifty, and we’ll do our best to provide you with the cash you need to get over that financial hurdle. We specialise in fast, easy cash loans Canberra with 100% online applications. Considering that you could have an outcome in as little as 60-minutes* and cash transferred in 60-seconds* after approval, we can’t think of a single reason why you wouldn’t submit an application now. Apply today for a fast, hassle-free process.

If you have any questions about our process and what we do or want to check up on the status of an application you submitted or you just want to clarify any part of your contract or repayments, please don’t hesitate to give us a call on 1300 471 328. We’re always happy to have a chat with you and answer any questions you may have.

*If you apply during regular AEST business hours

**Subject to NPP enabled bank accounts

 

Apply Now

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 Loans

Large Loan Example

$5,000

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)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

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)
EEstablishment 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 Loans

Small Loan Example

$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
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
EEstablishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
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.