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Cash Advantage
Gray, Palmerston (08) 8932 5588 Stuart Park, City (08) 8921 1841

Legals

The Legal Stuff

All loan products are provided by Shimtec Pty Ltd ACN 001928516 T/as Sure Cash Finance, Australian Credit Licence 390591 and the following legals relate directly to MACCS and SACCS accessed through Cash Advantage


Sure Cash Finance operates under a comprehensive privacy policy. The full policy can be found here: Privacy Policy.

Know your rights as a consumer. Please see our Credit Guide

Sure Cash Finance operates under a comprehensive hardship policy. The full policy can be found here Hardship Policy

Sure Cash Finance operates under a comprehensive dispute resolution policy. The full policy can be found here Dispute Resolution Policy

Sure Cash Finance practises responsible lending. Our aim is to provide finance in a responsible manner, we have thorough processes in place to ensure we lend within the responsible lending guidelines which are governed by the regulatory rules in Division 4 of Chapter 3 of the National Consumer Credit Protection Act. These requirements are incorporated into Sure Cash Finance’s Lending Policies.

Requirements of this law:

Make reasonable inquiries about:

  • Your requirements and objectives in relation to any credit contract suggested or recommended by us;
  • Your financial situation.

We must take reasonable steps to verify your financial situation.

We will make an assessment as to whether a credit is suitable for you.

We will not provide you with credit which is unsuitable.

Copy of Suitability Assessment: If you ask us for a copy of our assessment of your suitability for a credit contract, we will provide it to you.

In verifying a borrower’s financial situation, we may conduct a credit history check, we must obtain bank statements for the last 90 days and consider all other information we consider relevant. We are completely transparent about all our fees and charges and any interest charged.

Cash Advantage acts as an agent for Sure Cash Finance and receives commissions for SACCs and MACCs procured through Sure Cash Finance.
Please CLICK HERE for General Terms and Conditions PDF

Please CLICK HERE for MACC Target Market Determination Document

Please CLICK HERE for SACC Target Market Determination Document

2 easy locations in Darwin and Palmerston

Local people you can trust

Cash Advantage has been funding Territorians since the 80's! We back up our safe and trusted products with professional and friendly service.

Low 10 day 10% Interest for all Pledges over $100

You won't find a better deal anywhere in Darwin!

Trusted Lending Partner

Cash Advantage is an agent for Shimtec PTY LTD Trading as Sure Cash Finance Australian Credit Licence Number 390591

© 2024 Cash Advantage

Legals

Disclaimer and important things you should know

A.H Enterprises Pty Ltd (ABN 62 009 642 273) trades as Cash Advantage and operates as an Authorised Credit RepresentaƟve (ACR 545948) for Sure Cash Finance, Australian Credit Licence 390591 (Shimtec Pty Ltd ACN 001928516). We are the longest oldest Pawn-broker in the Northern Territory, assisting Territorians since 1988.
We were the first to offer payday loans in the NT way back in 2004. To apply online you will be taken to the Sure Cash Finance Website.

Fee Disclosures

We offer Small Amount Credit Contracts (SACC Loans) up to $2000. These SACC loans are charged as follows: 20% establishment fee and a 4% monthly maintenance fee. (An APR does not apply to loans $2000 or under). The term of these loans is between 3 - 12 months.

$1000 SACC loan example: A loan of $1,000 for a 6 month (26 weeks) term has a weekly payment of $55.39 with the fees and charges totalling $440 (this includes a $200 establishment fee and $240 total cost of maintenance fees for this term), making the total pay back amount of $1440* Different amounts, different loan start dates and/or first payment date and different terms will result in different payment and total payback amounts. The maximum you will be charged is a flat 20% establishment fee and a 4% monthly maintenance fee. The above example is if all payments are made on time and excludes any unascertainable fees and charges.

Our Medium Amount Credit Contracts (MACC Loans) range from $2001-$5000. These MACC loans are charged as follows: $400 establishment fee and maximum APR of 48%. The term of these loans is between 3-24 months. $2500 loan example: A loan for $2500 for a 6 month (26 weeks) term has a weekly payment of $125.46 and the interest, fees and charges totalling $773.83 (this includes a $400 establishment fee and $373.83 in reducing interest charges) making the total pay back amount of $3,277.83. Different amounts, different loan start dates and/or first payment date and terms will result in different payment and total payback amounts. The annual percentage rate (APR) on the MACC loan product is 48% per annum. The above example is if all payments are made on time and excludes any unascertainable fees and charges.

Cash Advantage (AFCA Member # 76754)and its partners pracƟce responsible lending. All loan products are provided by Shimtec Pty Ltd ACN 001928516 T/as Sure Cash Finance Australian Credit Licence 390591 and is a member of the Australian Financial Complaints Authority (AFCA) member number 43334. Please refer to Terms & Conditions for all loan products provided by Sure Cash Finance.

Warning about borrowing

Warning about borrowing

WARNING – Do you really need a loan today?* It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
Talk to your elecricity, gas, phone or water provider to see if you can work out a payment plan
If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments

Go to www.moneysmart.gov.au - MoneySmart shows you how small amount loans work and suggest other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.