Fast Cash and
Personal Loans Tailored To You
Borrow anywhere from $500 to $5,000 and get funded in minutes*
Quick Start Application
Experience The City Finance Difference Simplicity Speed Reliability
Apply in Minutes
Complete your application in the same amount of time as placing your coffee order
Get Paid Faster
Funds deposited within minutes to any OSKO enabled bank account*
Encrypted Safety
A secure and encrypted process ensures your peace of mind
*Most customer’s receive their funds in 60 seconds if using an Osko enabled bank account. Check with your banking institution about processing times
Fast & Easy Personal Loans
Applying for a City Finance loan is fast, simple and secure
When unexpected expenses hit – whether it’s your car breaking down, vet bills piling up, or a surprise medical cost – you need fast cash loans that actually work for your budget.
City Finance specialises in small cash loans and quick easy loans for everyday Australians, offering amounts from $500 to $5,000 with flexible terms. Our personalised approach means we’ll tailor repayments to suit your income, so you won’t be stuck with unaffordable weekly or fortnightly instalments.
Get Paid Instantly With
Our Guaranteed Fast Money Loans
A quick, easy loan so you can get on with life.
What Can I Use My Loan For?
You can use your loan for all types of situations life throws at you
Rental & Moving
City Finance can fund the cost of moving home, such as rental bonds and removalist costs
Furniture & Appliances
Sometimes a new appliance, or additional furniture is just what is needed to make your home comfortable and functional.
Vehicle Costs
Looking to buy a car? Need funds for registration or repairs? City Finance can get you on the road
Home Improvements
Transform your living space, whether it's a full renovation, or those improvements around the house you have been wanting to do.
Travel & Holidays
City Finance can help you create those unforgettable memories and benefit from the new experiences that travel offers.
Medical Expenses
Prioritise your health and well-being by using our fast cash loans to cover medical expenses, providing the financial support needed for necessary treatments and care.
QUICK LOANS
Quick Loans Australian Customers Trust
As a national online lender, City Finance delivers quick loans Australia-wide without the red tape. Unlike big banks or impersonal payday providers, we get to know you and understand your situation.
We lend to anyone with a steady income, from employment, pension, or Centrelink benefits. Our team is committed to inclusive lending, so bad credit or government assistance won’t automatically disqualify you.
Here When You Need Us
Applying is fast, easy and you will receive funds within minutes once you are approved
When life throws an unexpected curve ball, or there’s an opportunity you can’t miss, we’re here when you need us. Borrow from $500 to $5,000. Applying is fast, easy and you will receive funds quickly into your bank account once you are approved.
City Finance is here to help you get on with life. We’re here when you need us. Get started with a quick, free, no-obligation quote today.
Fast Money Loans We Offer
Bridge the gap between paychecks with our payday loans, ensuring quick access to the funds you need.
Overcome credit hurdles with City Finance’s bad credit loans, offering a chance for financial recovery.
Receive tailored support with our Centrelink loans, designed to assist those on government assistance.
Navigate unemployment confidently with our specialised fast money loans, providing essential financial support.
Enjoy financial peace in retirement through our pensioner loans, offering flexible and supportive solutions.
Face unexpected challenges head-on with an emergency loan, ensuring fast financial assistance when it matters most.
See What Our Customers Are Saying About Us
City Finance stands apart from competitors by offering:
- Personalised service: A friendly phone call within hours, not days.
- Flexible repayments: Terms tailored to what you can afford, avoiding harsh catch-up payments.
- Speedy funding: Receive funds in minutes to any OSKO-enabled account once approved.
- Repeat lending: Returning customers enjoy a faster, simplified application process with even quicker approvals.
- Inclusive lending: Centrelink recipients, pensioners, and those with bad credit are welcome.
Our quick cash loans process is simple: apply online in minutes, sign electronically, and see the money hit your account.
No fuss, no hidden fees, just fast money loans to help you get back on track.
Read Less
City Finance Fast Money Loans Example
We offer loans between $500 and $5,000. Our minimum loan term is 12 weeks and maximum is 52 weeks.
Our SACC (small amount credit contract) loans of $500 to $2,000 include an upfront Establishment Fee of 20% with a monthly maintenance fee of 4% charged on the anniversary of your loan’s start date.
A SACC loan amount of $1,000 over 30 weeks (repayable over 30 repayments). $1,000 (principal amount) + $200 (20% establishment fee) + $280 (fees based on 4% per month over 30 weeks) = $1,480 total repayable in 30 week instalments of $49.33.
Our MACC (medium amount credit contract) loans of $2,100 to $5,000 include a flat upfront $400 Establishment Fee with a 48% APR.
Loan Amount of $2,500 over 52 fortnights (repayable over 52 fortnightly repayments). $2,500 (principal amount) + $400 (establishment fee) + $1,602.16 (reducing interest) = $4,502.16 total repayable over fortnightly instalments of $86.58.
The comparison rate of the MACC loan is 66.24%.
Warning: The comparison rate is true only for an example loan amount of $2,500 and an example term of 104 weeks. Different terms or other loan amounts might result in a different comparison rate.
Need Fast Cash Loans in Minutes?
Don’t let unexpected bills slow you down. With City Finance, you can secure small cash loans from $500 to $5,000, tailor repayments to your budget, and receive funds within minutes. It’s simple, stress-free, and designed to get you back on track fast.
Apply now for a free, no-obligation quote!
FAQs
Do you lend to pensioners?
Yes. As long as you have a steady income, such as a pension, you’re eligible.
Do you offer bad credit loans?
Absolutely. We consider applicants with imperfect credit histories.
Do you lend to the unemployed?
We assess on steady income, not just employment. If you receive Centrelink or other regular benefits, you can apply.
How fast will I get my money?
Once approved, funds arrive within minutes to any OSKO-enabled bank account.
What are the repayments?
Repayments are customised to your budget and can be weekly, fortnightly, or monthly, whichever suits you best.
What documents do I need?
You’ll need an ID and proof of regular income. Our secure process protects your privacy throughout.
Will you check my credit?
Yes, we perform a credit check, but we focus on your ability to repay rather than past mistakes.