$1,000 Loan

Apply for a small cash loan in 3 simple steps!

We are always upfront and transparent about our costs – no hidden fees or charges.

Are you in need of a quick cash loan but you’re not sure where to start? Look no further! Our $1000 cash loans can have money in your hand quickly. In many cases, these loans are approved and deposited on the same day that they’re applied for.

At City Finance, we’re not the kind of lender that requires stacks of paperwork and long waiting times. We understand that our customers often need money quickly, so we’ve streamlined our process to allow for quick application time and fast approvals.

Whether you need money to cover an emergency cost, or need some extra cash to bridge a gap, we can help. Our small cash loans are personal loans; this means that minimal supporting document is needed, and you aren’t required to offer up collateral as security. Getting approved for a $1000 loan with us is simple. In fact, it’s as easy as 1, 2, 3, as you can see below.


To apply for a loan with City Finance, you’ll need to fill in an online application form, which you can find here. The application is simple and you’ll just be required to select the amount you’d like to borrow and the repayment time, as well as fill in some personal information and send proof of identity.


Once we receive the information from you, someone from our team will call you to confirm your application details. If your application is approved, we’ll send you an email confirming the approval. We’ll also get your bank details so we can send over the money.


Once you’ve been approved, you should receive the money by the end of the day. However, most customers receive the money even sooner. From here you’ll be able to spend the money on what you please – and you will just need to meet the contracted repayments (weekly, fortnightly or monthly).

Am I eligible to apply for a $1000 loan?

At City Finance, we pride ourselves on our inclusivity. As long as you’re aged 18 and above, are receiving consistent income and can provide the supporting documentation, then you’re probably eligible to apply for a $1000 cash loan.

For many people, the term ‘supporting documents’ sounds complex and overwhelming – however, this couldn’t be further from the truth at City Finance. In order to apply for a loan with us, we don’t need a bunch of different documents, all we require is the following:

  1. A copy of your ID
  2. A short online application form with details such as your address and phone number
  3. Proof that you are receiving some sort of income (this can be a salary or Centrelink payments)
  4. 90-day history of bank transactions

If you’re unsure of your eligibility please feel free to reach out to our customer service here.

Will you consider applications from people with bad credit?

We understand that life happens, and just because you may have had an experience in the past that pulled your credit score down, shouldn’t mean that you should have to struggle to be approved for a loan years after the fact.

For this reason, we are more than happy to consider applications from people with bad credit. In fact, we’ve approved thousands of applications for Aussies who have a bad credit history. Rather than judging you just on your lending past, we take into account your personal circumstances determining a decision on a loan application.

If you have a less than perfect credit score and are looking for a lender that’s willing to issue you a loan, then look no further. You can find out more about our bad credit loans here.

Is a credit check required for a $1000 loan?

Credit checks are reports that lenders run to learn more about potential customers borrowing history. If you’ve defaulted on a payment, been bankrupt, or consistently made late loan repayments, this will usually be shown in your credit score. A low credit score means that a potential borrower is at a higher risk for meeting their repayments, whereas a high credit score means that the potential borrower is at a lower risk. High credit scores are achieved by borrowing money (this can be from a bank, financial institution, a phone plan etc) and consistently meeting their repayments on time.

If you’re a new customer and concerned about a credit check producing bad credit and inhibiting your ability to receive a loan, you shouldn’t be. While we do need to run a credit check for new customers, we can still offer loans for borrowers with a poor credit scores. We can also offer loans to customers with no credit history.

What can I use a $1000 loan for?

A $1000 loan can be used for basically anything, but here are some examples of why you may need one.


Emergency expenses are an unfortunate fact of life. It’s inevitable that at some point or another unexpected costs will pop up that need to be attended to immediately. Even if you have an emergency fund for this type of situation, you may need some extra money to cover all of the costs. If this gap is minimal – or if the total cost of your emergency expense is relatively small, then a quick $1000 loan can cover it. After all, emergency situations are usually already stressful, so the last thing you need is the extra stress of worrying about where the funds will come from. Out of work? You might still be able to apply under one of our unemployed loans.

Car repairs

The convenience of owning your own car and having the freedom to go wherever you please is great – until a costly problem arises that leaves you both stranded and out of pocket. Most of the time, fixing a car isn’t cheap. The average labour cost of a mechanic sits at around $80 an hour, and often you’ll need to factor in the expensive price of parts on top of this.

For many people, they’re not able to go about their daily life without a car – so it needs to be fixed quickly and can’t wait until you save up enough funds. We offer car repair loans to help your get back on the road quickly, and you can pay the lump sum off gradually as you can afford it. Read more about our car repair loans.

Medical bills

Medical bills can stack up quickly, and a lot of the time these bills are unavoidable. You should never neglect your health because of financial stress or a lack of funds. This is especially true if your condition is an injury or emergency that requires immediate attention. Instead, take out a quick cash loan with us to cover your costs, and ensure that your medical issues are quickly and properly attended to. Read more about our loans for medical expenses.

Vet bills

As they say, a pet is a member of the family. If they are hurt or experience a health issue, it’s important to bring your loved animal to a veterinarian as soon as possible. Unfortunately, even an initial consultation with a vet usually isn’t cheap, especially if your pet requires further treatment, surgery or medication. However, you needn’t make financial sacrifices in other areas of your life to meet the bills. You can simply take out a small cash loan with us to cover the vet costs. Read more about our loans for vet bills.


Holidays can take on many different forms. But, whether you’re craving an exciting backpacking adventure, or wanting to switch off on a tropical beach, a trip is a sure fire way to refresh. If you’re craving a holiday, but don’t quite have enough funds to cover your trip, you don’t have to wait! Contact us for a small personal loan that will cover some or all of your next trip. Then, you can gradually pay off the sum while basking in your post-holiday glow. Read more about our travel & holiday loans.


It goes without saying that it’s essential to have furniture in a house. If you’ve recently moved house and found yourself living in a relatively bare house, then you’re probably going to have to part with a fair bit of money to make your space livable. And, the furniture usually doesn’t come cheap! But, don’t stress, we can help chip in some money towards new furniture with a small personal loan.

Even if your house is furnished, there may be some things that are missing or need replacing, a loan with us can save cover costs. While many furniture and appliance resellers offer finance, the interest rate and fees associated with these plans are usually sky-high. Keep more money in your pocket by securing a loan with us. Read more about our furniture loans.

Home renovations

There are a number of reasons why homeowners complete home renovations, these can include value adding for resale, increase comfort or emergency fixes. Regardless of the reason for the home renovation, you don’t need to wait. You can get started on your renos ASAP with a loan today from City Finance. Read more about our home renovation loans.

Rental bonds

There are a number of costs involved with moving house, like moving costs, upfront rent, deep cleaning fees and more. While these costs are usually significantly, if you’re moving into a new rental, then bonds are almost always a large cost. The lump sum of a rental bond can vary between places, but they are usually around the amount of a months worth of rent. If you’ve found yourself in a situation where you’re struggling to cover your rental bond, we can help with a small loan that you can back on a payment plan gradually. Read more about our loans for rental bonds.


Are there any hidden fees or charges involved with obtaining a quick cash loan from City Finance?

We pride ourselves on being responsible lenders and setting out our terms, fees and charges clearly. You can read more information about them here and the details are outlined in our loan document that you will receive once your initial application is approved. You’ll review and approve the terms and conditions (that detail any fees) in the loan document before you receive the funds. Unlike many other lenders, we don’t charge early repayment fees if you want to make an early payout or an additional payment.

Am I eligible for a small loan if I’m on government benefits?

Yes, we have approved thousands of loans to applicants who receive Centrelink benefits. To be eligible for a loan from City Finance, you must receive some form of consistent income, but this can be government benefits. However, it’s important that you check the terms surrounding your government benefits and whether these terms will be affected by receiving a personal loan.

How long will it take for me to receive the money in my bank account?

The other to this will depend on your specific circumstances. However, we strive to approve all of our loan applications as quickly as possible, and in many cases, our customers receive the money in their account on the same day that they apply for a loan. Our application process takes most people around 5-10 minutes, and our assessors will start to review your application as soon as it’s submitted.

What are the repayment terms for small loans?

We understand that everyone’s financial circumstances are different, which is why we offer customisable repayment terms. We offer small loans between $500 and $5000 and loan lengths between 12 weeks and 52 weeks. The repayment schedule can be weekly, fortnightly or monthly. After you submit your loan application, one of our friendly staff members will be in touch to work out the best repayment terms for you.


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
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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
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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
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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
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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
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