Our Loans


Small Cash Loans

We’re here for you through life’s ups and downs, specialising in small loans to keep things manageable.

There are many reasons why you might need a personal loan solution. The car needs major repairs, your new rental bond is a little out of reach, the washing machine has broken down and the dog needs an operation – all at once. Because life is like that sometimes.

We have flexible loan options to suit your needs, with fast approval and same day cash deposits.

family in home

Flexible Personal Loans

We offer fast and flexible loans of $500 to $5,000 cash.

Once approved, we create a tailored repayment plan that will suit your needs. See below for our loan options and apply today.


Small Cash Loans

Need quick cash today?

We can offer small cash loans of $500 to $2,000 for when the unexpected happens.

We offer flexible loans to suit your needs with smaller repayments than payday lenders.


Medium Cash Loans

More flexibility, more borrowing power.

Our medium cash loans are designed to help you manage some of the more complex challenges life throws at you, such as unexpected medical bills or the death of a loved one.

Give yourself extra breathing room to repay the loan and help to remove unnecessary stress. We can lend you a medium cash loan between $2,001 and $5,000 and give you up to 12 months to pay it back.


Quick decisions,
quick deposits

Once you submit your online application and chat to one of our friendly team members, you’ll get fast approval and a same day cash deposit.

Our wealth of experience means we make quick and simple lending decisions.

All-inclusive lending

Unlike other lenders, we don’t discriminate against the self-employed, those with poor credit history or those receiving Centrelink benefits.

All we require is that our applicants are over 18, can provide 100 points of ID and receive regular income of some form.

Flexible repayments

We’ll work with you to agree on a repayment schedule that works for you.

Our transparency means that there are no hidden fees or charges if you choose to make early payouts or extra repayments.

Responsible lending trusted by Aussies

We have over 20 years of experience as a reputable lender in the industry.

We have helped thousands of Aussies when others would not. You still talk to a real person as part of your application so we can consider your personal circumstances when determining a loan option that is best for you.

Hassle-free borrowing

We like to keep things simple.

Once your loan has been approved, we will arrange to deduct your payments at a frequency that suits you directly from your nominated bank account.

Don’t let an emergency become a crisis

We understand that life is full of surprises.

If you find you are struggling to make a repayment, we encourage you to get in touch with us so we can design a contingency plan to suit your needs and keep your life stress free.

Fast & Easy Personal Loans

Applying for a City Finance loan is quick, simple and secure

See What They're
Saying About Us


Highly highly highly recommended City Finance to anyone. The staff are absolutely amazing and very helpful. My experience the two times I have used their services have been amazing. Thank you guys!

Lulu Millar
Google Reviews


I had a very easy and straight forward experience dealing with City Finance... Very much appreciated the quick flow of decision making displayed. Regards, Graeme

Graeme Austin
Google Reviews


Great customer service, they're happy to help out when you need it if something unexpected has happened and you need cash fast, definitely recommend and repayments are tailored to your needs.

Cassandra Dodd
Google Reviews


Wonderful people very friendly and helpful been with them for some time now and have never had an issue with them always have my payments on time

Pauline Arrowsmith
Google Reviews


City finance for fantastic. The application is still in fairly quickly within outcome usually within 24 to 48 hours. Customer service is lovely and the only company that would help me out with the loan when no other one would. Highly recommend.

Chanelle Ryan
Google Reviews