Emergency loans up to $5,000
Had an emergency and need money fast? Secure an emergency loan in 3 simple steps!
- Fast online application & approval
- Flexible repayment options
- If approved – receive funds the same day!
Why get an emergency loan?
We get it. Emergencies happen. Whether it’s a medical emergency or a sudden problem with your car – emergencies are, unfortunately, a part of life.
Often emergency situations will require a fair bit of money – money that you probably haven’t budgeted because it is an unforeseen situation. If this is the case for you, don’t worry, City Finance can get you some money quickly and easily so that you can take care of your emergency without the added stress of cash flow.
How do emergency loans work?
When you’re facing an urgent expense, our emergency loans can provide fast relief. With amounts from $500 to $5,000, and flexible repayment terms between 12 weeks and 104 weeks, you can choose what fits your budget best. Our streamlined process skips the hassle, letting you apply online in minutes.
Apply Online
Our loan application process is easy and can be completed online in minutes. Just select the amount you'd like to borrow and your loan term, fill out a short online form and provide your proof of identity.
Get Approved
After you submit your online application form, someone from our team will call you to confirm your details. We value your time and strive to provide eligible customers with their loan offer as quickly as possible.
Receive your money
If approved, we'll send you a confirmation email and get your bank account details. Depending on your bank, you should receive your money by the end of the day. From here, you can start spending and repay the loan amount over the agreed timeframe.
What can I use emergency loans for?
An emergency loan can be used for basically anything, but here are some examples of why you may need one.
Car repairs
Even if you’re regularly maintaining your car, problems can happen. Get back on the road sooner with extra cash to cover car repair costs.
Medical expenses
Even with Australia’s great healthcare system, medical bills can add up fast. From chiropractor visits to emergency medical bills, we can help you put your health first.
Rental bond
With our fast cash loans, you can get the advance payment you need to secure your new home and pay your rental bond upfront.
Furniture or white goods
Even with a stable income, buying a new appliance can be a blow to your bank account. Furnish your house faster with quick cash loans from City Finance.
Vet bills
Your pet’s health is a priority, and we’re here to help. Cover urgent vet bills and give your furry friend the care they deserve without delay.
Home renovations
Add value to your house and start building sooner a loan from City Finance. Pay a small amount out of your weekly pay packet at a rate you’re more comfortable with.
Travel loans
Finally take that time off and make your dream holiday a reality with quick access to funds for flights, accommodation and more.
Dental costs
Use a dental loan to cover unexpected bills from your dentist. Whether it’s an injury, a painful root canal, or wisdom teeth removal, we’ll get you smiling again.
Education costs
From course fees to textbooks, education expenses can add up quickly. With our education loans, you can invest in your future without the financial strain.
Why choose City Finance?
We offer emergency loans to customers all across Australia, including Brisbane, Sydney, Melbourne, Perth and Adelaide.
Quick loan process
Our team has extensive experience handling emergency loans, so you can feel confident you’ll receive your cash fast. Once approved, you can expect a same-day cash deposit via bank transfer.
Inclusive lending
Whether you have a bad credit history or receive Centrelink benefits, rest assured we assess every loan application on a case-by-case basis.
Flexible loan options
As responsible lenders, we believe things don’t need to be set in stone. Enjoy flexible terms and a repayment schedule that works for you.
Hassle-free repayments
To help you avoid missed payments, our direct debit system will automatically deduct your loan repayments from your nominated bank account on the due date.
Dedicated support
We aren’t just a faceless online organisation, our friendly team is here to answer any questions you may have, listen to your needs and help figure out the best loan option for you.
Emergency Loan FAQs
What are emergency loans?
Emergency loans are personal loans that are prioritised and granted as soon as possible. This type of small cash loan of up to $5,000 that is designed for applicants looking to borrow money to cover an emergency expense like medical bills or car repairs.
Am I eligible for an emergency loan?
Most people are eligible for emergency cash loans. As long as you’re 21 or older and have proof of work (or Centrelink benefits), then you’re eligible for an emergency loan. If you have questions surrounding your eligibility, please feel free to reach out to our customer service here.
What supporting documents and information do we need to process your emergency loan application?
At City Finance, our emergency loan application process is simple. We don’t need a bunch of different documents, all we require is the following:
- A copy of your ID
- A short application form with details such as your address and phone number
- 90-day history of bank transactions
- Proof of your income (either wages or Centrelink benefits)
How can I get money fast for an emergency if I have bad credit?
Bad credit, a low income, or the fact that you’re self-employed can all be factors affecting your eligibility to be approved for an emergency cash loan at a normal bank. We understand the frustration of spending hours, days or weeks on a loan application, only to be left disappointed when you are denied.
Luckily, we’re not like a traditional loan provider! We pride ourselves on granting personal loans to people that may be discriminated against at other financial institutions. As long as you can supply us with valid ID and are over the age of 21, we can discuss a loan scheme to suit you best. Unlike other lenders, we also consider loans for people on Centrelink, and loans for pensioners.
What happens if I can't meet a repayment?
When you take out an emergency cash loan, your repayment terms will be set out in your loan agreement and payments are expected to be met on the due date. However, if something unexpected pops up that you haven’t budgeted for, and you’re unable to afford your repayment, we’ll work with you to figure out a contingency plan that is suited to your current financial situation.
