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  • Home
  • Our Loans
  • How It Works
    • How It Works
    • Our Loan Rates
    • FAQ’s
  • Who We Lend To
  • Loans For
    • Centrelink Loans
    • Bad Credit Loans
    • Loans For Newly Employed
    • Loans for Pensioners
    • Payday Loans
    • View Our Loans
  • About
    • About Us
    • Our Reviews
    • FAQ’s
    • Blog
  • Existing Customers
    • My Account
    • Apply For Another Loan
    • Manage Repayments
  • Contact Us
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What You Need to Apply for a Same Day Loan in Australia

Applying for a same day loan is usually quick, but having the right documents ready before you start is what actually determines whether you get a fast yes. Miss a…

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Can You Really Get a Loan Approved Within Hours in Australia?

Short answer: yes, but not quite the way the ads make it sound. A same day loan can be approved within hours in Australia, it's not a myth, but "approved…

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Same Day Loans vs Next Day Loans: What’s the Difference?

If you're comparing a same day loan against a next day loan, here's the short answer: in most cases, they're the same type of credit product. The real difference usually…

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Same Day Loan Options in Australia: How They Work

When a bill lands out of nowhere, a car repair, a vet visit, a rental bond you weren't expecting, waiting three to five business days for a bank to process…

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Renovation Finance Options: Personal Loan vs Home Equity vs Credit Card

Planning a kitchen upgrade, bathroom refresh, or a smaller round of home improvements? A renovation loan isn't a single product, it's really a choice between three different ways to fund…

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Low Doc Car Loans: Financing a Car When You’re Self-Employed or a Casual Worker

Payslips don't always tell the full story. If you're self-employed, working casual shifts, or driving for a rideshare platform, your income might be steady in practice but hard to prove…

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How to Finance a Used Car From a Private Seller

Found a good used car on Facebook Marketplace or Gumtree, but the seller doesn't offer finance? That's where a private sale car loan comes in. It lets you borrow the…

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Unsecured Car Loans Explained: Finance a Used Car Without Using It as Security

Buying a used car without a mortgage or another asset to fall back on doesn't have to mean missing out. An unsecured car loan lets you borrow the money you…

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How To Switch From Cash Converters To City Finance

Cash Converters stopped offering small loans under $2,000 in October 2025, leaving thousands of Australians scrambling for alternatives. If you're wondering how to switch from Cash Converters to City Finance,…

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Best Alternatives To Cash Converters’ Small Loans

If you've been turned down by Cash Converters or you're looking for better options, you're not alone. Cash Converters stopped offering Small Amount Credit Contracts (loans under $2,000) in September…

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Warning

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 electricity, 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: Phone: 13 17 94.

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you. This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

View our full Terms & Conditions.

(*)Disclaimer: loan outcomes may vary. Most outcomes will be within the same business day of application being submitted, as advertised.

City Finance offers SACC (Small Amount Credit Contracts from $500 to $2,000) and MACC (Medium Amount Credit Contracts between $2,100 to $5,000) loans over a loan term between 12 to 52 weeks. For City Finance loans of $2,000 or less, an APR does not apply. The maximum you will be charged is a flat 20% establishment fee and a 4% monthly maintenance fee. Other fees may apply according to your loan contract. Representative example: 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) = $1480 total repayable in 30 weekly instalments of $49.33. For medium City Finance loans between $2,100 and $5,000, the annual percentage rate (APR) is 48% per annum. Representative example: Loan amount of $2,500 over 104 weeks (repayable over 104 weekly repayments). $2500 (principal amount) + $400 (establishment fee) + $1,602.16 (reducing interest) = $4,502.16 total repayable over fornightly 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.

For any enquiries, concerns or complaints please contact us via 07 3458 9200 or email [email protected]