$2,000 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.

A $2,000 cash loan can be an easy solution to an unexpected, stressful financial problem. If you’ve found yourself in a position where you need a relatively small amount of money, quickly, then our personal loans fit the brief perfectly.

These loans are unsecured loans for amounts of up to $2,000. Because they’re unsecured – and the amount isn’t a very large sum – they can be approved quickly, and the cash can be deposited fast. In fact, many of our applicants receive money in their bank on the same day that they apply for a personal loan.

At City Finance we pride ourselves on exclusivity – so even if you have bad credit or are receiving government benefits, there’s still a good chance that we’ll be able to help. Getting approved for a $2000 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 $2000 loan?

We aim to help as many people as we can, as we quickly as we can. At City Finance, we don’t believe in stringent criteria and long loan applications. So, we only need our potential customers to meet a few requirements in order to be eligible for a personal loan.

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.

In order to apply for a personal loan with us, we don’t need a large stack of supporting documents, all we require is the following:

  1. A copy of your ID
  2. A short 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?

The term ‘bad credit’ holds a lot of weight in the loan world, but what exactly does it mean? If you’re familiar with credit scores, you can skip this part – but if you’d like to learn more, read on.

Basically, whenever a person applies for a loan, they will have their credit history checked, when this check in conducted, a score will be issued. In Australia, credit scores sit between zero (being the lowest possible score) and 1000 (being the highest). The below credit rating key gives an indication of how credit scores are judged:

0 – 549: Very Poor

550 – 624: Poor

625 – 699: Fair

700 – 799: Good

800 – 1000: Excellent

Credit scores rise when a borrower is considered ‘low risk’ due to their responsible lending history that shows they’ve met the repayments on the due dates that they’ve agreed to. Credit scores are dragged down when a borrower doesn’t meet their payments, or goes into default. Default is when the lender closes the borrowers account due to late payments or non payments. Defaults stay on a persons credit history for six years and can be a huge red flag to future lenders.

If you’ve had a rocky history with borrowing – or simply one bad experience that’s dragged your score down – then you may find it very hard to get approved for a small loan. Fortunately, we’re not like other lenders and have lent money to thousands of Aussies with bad credit scores.

While we do conduct a credit check, if you credit score is less than perfect, we’ll take into consideration your circumstances. In many cases, we’ll still be able to grant an applicant a personal loan, even if they have bad credit.

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

Is a credit check required for a $2000 loan?

As we touched on above, credit checks are a check that a lender runs whenever they issue a loan. This check shows whether the potential borrower has a high risk (bad credit score and bad lending history) or low risk (good credit score and good lending history) of meeting their repayments.

Almost all lenders will run this check to determine the eligibility of a potential borrower. At City Finance, we do run credit checks for new customers. However, if you’re an existing customer then we may be able to approve a loan without a credit check. You can find out more about our no credit check loans here.

If you’re a new customer and concerned about a credit check producing a bad result and deeming you ineligible for 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 bad credit score. We can also offer loans to customers with no credit history.

What can I use a $2000 loan for?

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


Sometimes life throws you a curve ball in the form of an unexpected expense. Whether you’ve suddenly been made redundant, or there’s a an emergency repair that needs to be done in your house, these costs can pop up – and often at the most financially inconvenient times. If you’ve found yourself in a situation where you need money quickly, we can help with a quick cash loan. Out of work? You might still be able to apply under one of our unemployed loans.

Car repairs

For many people, having a car is part of their livelihood, and for some, it’s impossible to go about their daily job without one. So, when a car breaks down it can be a huge stress. Furthermore, car repairs are usually not cheap. The hourly fee for a mechanic itself runs high, as do many car parts. Our personal loans can help cover the costs of car repairs and get you back on the road in no time. Read more about our car repair loans.

Medical bills

Our fast cash loans will help you look after yourself, rather than worrying about your finances. If you’re behind on medical bills – or have recently had a health issue that you’re struggling to keep up with financially, then you should consider taking out a payday loan with us. This amount can cover your costs and allow you to pay the amount back gradually over time. Read more about our loans for medical expenses.

Vet bills

If your pet has any health issues or concerning symptoms, it’s important to take them straight to the vet to get them checked out. However, vets can be expensive, and the cost of a visit may take a huge chunk out of your weekly budget – or completely blow it. Don’t worry, you can keep your furry family safe with a vet bill loan. Read more about our loans for vet bills.


Dreaming of jetting off to a deserted island for a week of R&R but don’t have the funds? Well, that holiday is still possible with a travel loan. You needn’t wait months and months to save up the funds for your holiday. Instead, you can take out a travel loan with us and head off to your dream destination. Better yet, you can gradually pay the holiday costs off once your back, basking in your post-holiday glow. Read more about our travel & holiday loans.


Considering that the average bottom mount fridge costs around $1,500, it shouldn’t come as much of a surprise that the cost of furniture can add up quickly. Many people turn to the option of financing furniture through the store they’re purchasing it from. However, this method often has very high fees and charges, and will end up costing a lot more in the long run. Keep your costs down with a quick personal loan from City Finance. Read more about our furniture loans.

Home renovations

Whether you’re upgrading your house for better quality of life – or aiming to add some value to it come selling time, home renovations are an investment. However, they usually don’t come cheap. If you’re struggling to cover the out-of-pocket costs of home renovations, we can quickly deposit you money with a payday loan. Read more about our home renovation loans.

Rental bonds

Moving into a new rental is expensive – and a rental bond is often one of the most expensive component. This lump sum acts as ‘insurance’ for the landlord, and they will hold onto the money until you move out, in case any damages happen during your tenure. 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 need a little cash to cover your rental bond, we can help. Read more about our loans for rental bonds.


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

The length of time that a loan takes form start to finish can vary between applications, depending on the applicants personal circumstances. However, we’ve streamlined our process to ensure that applications are approved very quickly, and many of our customers receive the money in their bank account on the same day that they apply.

How frequent are the personal loan repayments?

Each of our loans are tailor to suit the borrowers personal situation. This means that we can change the loan amount, loan length and frequency of repayments in order to suit you best. While this specific loan is for $2,000, our other loans are available for amounts between $500 and $5000. The loan length can be between 12 weeks and 52 weeks, and repayments can be made weekly, fortnightly or monthly.

Once you submit your loan application, one of our friendly team will be in touch to chat about your circumstances, and what loan amount and term suit you best.

What is the difference between personal loans and payday loans?

Personal loans and payday loans are very similar in the sense that they are both unsecured loan. An unsecured loan means that no collateral needs to be put forward, and the money is deposit into your bank like cash. The sight difference between personal loans and payday loans is that the latter is usually for a lower amount and paid off more quickly. The $2,000 loan is an unsecured loan and could fall under either category.

Am I eligible for a $2000 loan if I’m on government benefits?

Yes, one of our requirements that must be met in order to be approved for a $2,000 loan is proof of income. However, this proof of income can be in the form of a weekly, fortnight or monthly salary. Or, it can be in the form of government benefits (like Centrelink). We’ve granted thousands of loans to applicants who are on Centrelink without out means of income.

Do you charge early repayment fees?

No, unlike some other personal loan lenders, we won’t penalise you if you pay off your loan early. We set out all our fees and charges clearly in our loan contract, and our friendly team can answer and questions you may have regarding this.


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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