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
To apply for a loan with City Finance, simply fill in our online application form here. It’s quick and easy, you’ll just need to select how much you’d like to borrow, your preferred repayment term, provide some personal details, and verify your identity.
Get Approved
Most customers receive a response within a couple of business hours of applying. In some cases, our team may get in touch to request additional information to finalise your loan.
Receive your money
Once your loan is approved and the contract is signed, most customers receive their funds within minutes, so you can get on with what matters sooner. Repayments will be made weekly, fortnightly or monthly, depending on your selected plan.
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.
Fast Emergency Loans When Every Minute Counts
Emergencies don’t wait for paydays.
City Finance’s emergency loans Australia service delivers emergency cash immediately Australia‑wide to help you cover sudden costs, whether it’s an urgent medical procedure, a blown tyre at midnight, or unexpected home repairs after a storm.
Our streamlined process means you can apply online, speak with a friendly advisor, and have the money in your account the same day. No fussing with lengthy credit assessments: our emergency loan bad credit option focuses on your current income and ability to repay, not just your credit score.
Secure Emergency Cash Loans in Australia Today
When every second counts, you need reliable, fast emergency loans you can trust. Apply now for an emergency loan with City Finance and get the funds you need so you can handle life’s surprises without the stress.
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.
Are emergency loans in Australia suitable for carers?
Yes. If you’re a full‑time carer on reduced income, our loans for bad credit and emergency loans consider Centrelink Carer Payments as income. You can access funds quickly to cover medical supplies, respite care, or home modifications.
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.
Are there limits on what I can use my emergency loan for?
No. Whether you need emergency loans for medical costs, car breakdowns, home repairs, dental work, or any unforeseen expense, you have complete flexibility in how you use your funds.
Will applying for an emergency loan affect my credit score?
We perform a soft credit enquiry that doesn’t impact your score. Only a hard inquiry occurs once you accept the loan, and our focus is always on affordable, responsible lending.
Can I get emergency cash loans in Australia if I’m overseas?
Yes, if you’re currently travelling or on holiday overseas and run into unexpected expenses, you can still apply for an emergency loan. As long as you hold an Australian bank account and can verify your ID electronically, we may be able to help.
Please note: our loans are intended for Australians temporarily abroad, not for those living overseas permanently.
