Fast, Easy
Personal Loans

Borrow anywhere from $500 to $5,000 and get funded in minutes*

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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

How It Works

1. Apply Online

Click here to send us your details and apply for a loan

2. Get Approved

Our friendly team will let you know of the outcome within 3-4 business hours

3. Receive Funds

Sign your loan contract online and receive funds within minutes

A fast, simple 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 new experiences that travel offers.

Medical Expenses

Prioritise your health and well-being by using our loans to cover medical expenses, providing the financial support needed for necessary treatments and care.

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.

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 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.

City Finance Loan 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 $2,001 to $5,000 include a flat upfront $400 Establishment Fee with a 48% APR.

Loan Amount of $2,500 over 30 weeks (repayable over 30 weekly repayments). $2,500 (principal amount) + $400 (establishment fee) + $431.80 (reducing interest) = $3,331.80 total repayable over weekly instalments of $111.06.