[$500 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.

If you’re struggling to come up with cash to pay an unexpected bill, or to cover some other type of costs, then you’re not alone. We offer small personal loans for this exact reason.

Our $3,000 loan is just that – a loan of up to $3,000 that can be approved and transferred quickly and easily. We understand that some situations require money quickly, and our approval and deposit speed is something we pride ourselves on.

The process of applying for an unsecured $3000 cash loan with City Finance is extremely straight forward. In fact, the online application form only takes about three minutes. Along with this, you’ll just need a few supporting documents and your loan application will be submitted!

Approval time does depend on the applicants personal circumstances, however, in many cases our customers receive money in their bank account on the same day that they apply for a loan. Getting approved for a $3000 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 $3000 loan?

Our goal is to make it easy for anyone to apply – and receive – a personal loan from us. We don’t make our applicants jump through dozens of hoops (like some other lenders!) and we aim to approve as many applications as we can.

As long as you can provide us with some necessary requirements, like ID, proof of income and supporting documents, then you’re probably eligible for a payday loan with us. In order to apply for a personal loan with us, we don’t require tones of paperwork, all we ask for 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?

When it comes to whether a loan is approved or declined, a credit score is often the deciding factor. When a person applies for a loan, a lender will run a credit check which produced a credit score. This figure tells the lender how much risk is involved with lending the potential customer money, and what their likelihood of meeting their repayments is.

An applicant who has missed repayments or paid them late in the past, will have a credit score dragged down. Whereas a borrower who has a good history of meeting all of their repayments on time, will have a higher credit score, showing them to be low risk to lend to.

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

Of course, financial institutions are much more inclined to lend money to an applicant with a high credit score, as their track record shows that it’s likely that they will meet all they repayments on time. Many lenders will actually automatically decline an application if their credit score is below 699.

However, we are not like other lenders! at City Finance, we believe in inclusivity, and think that just because you may have had an issue with a repayment in the past, doesn’t mean that you should be blacklisted for years. We are willing to lend to applicants who have bad credit, and will conduct a personal call to determine your specific circumstances, and to sort out how we can lend you money with terms that you can comfortably meet.

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 $3000 loan?

As we touched on already, lenders run a credit check to determine how high or low the risk is of lending money to a potential borrowers. The credit checks produce a score that represents the applicants lending history. A low score shows that that other lenders have had a problem with the borrower meeting their repayments, or paying them late. On the other hand, a high score shows that previous lenders haven’t had any problems with the borrower, determining them a low risk of missing payments.

At City Finance, we do run credit checks on each new customer who applies for a loan. However, if you are an existing customer with us already, we may be able to grant a loan without a credit check. Removing the credit check part of the application process can make the loan approval much quicker, and you could have the money in a matter of hours. You can find out more about our no credit check loans here.

If you’re a new customer and concerned about your bad credit history which may make 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.

What can I use a $3000 loan for?

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


Have you experienced an emergency and need some quick funds to come the costs? Often, these situations are unavoidable and, because it’s an unexpected event, it can be very hard to budget for. But, our payday loans can help. Even if you have a ‘rainy day fund’ with money set aside in case of emergencies, if the total amount is more than the total, we can lend some cash to bridge the gap. Out of work? You might still be able to apply under one of our unemployed loans.

Car repairs

For many people, when a car becomes undriveable due to a necessary repair, it can result in a loss of income. In cases like these, it’s not possible to wait until next payday to fix the car. Our small cash loans can help deliver money quickly, so that you can get your car fixed as soon as possible.

Read more about our car repair loans.

Medical bills

Monthly medical bills, emergency treatment and medicine are all health expenses that can add up significantly. Even with Australia’s progressive health care system, they are still many out of pocket expenses. You should never neglect your health because of a dire financial circumstance. Instead, take out a small personal loan with us and prioritize your health.

Read more about our loans for medical expenses.

Dental Bills

If you’ve ever been hit with a sudden tooth ache, then you’ll know just how unbearable it is. Often, this pain won’t stop until a dentist checks it out, either. Dental emergencies aside, even regular dentist visits can cost in the thousands of dollars. If you’re facing a huge dental bill that you don’t have the funds to cover, our short cash loans can help.

Read more about our dental bills.


It’s hard to beat the level of relaxation that’s usually felt on a long awaited holiday. If you’re overdue for getaway but don’t have the funds to head off, then you needn’t wait. Instead, you can take out a travel loan with us and pay the total off gradually once you’re back.

Read more about our travel & holiday loans.

Weekend loans

When was the last time you did something fun? Like a staycation at a hotel in the city, a long champagne brunch with girlfriends, or a round of golf at your favourite course? If you’re struggling to remember, then you’re probably due for a day of fun! If the reason you haven’t treated yourself in a while is due to lack of funds, then we have the solution. Take out a personal loan with us and gradually pay it back as you can afford.

Home renovations

Are you selling your house and hoping to make some small upgrades in an effort to add value to the final sale price? It’s a tried and tested method that’s proven to work. However, it can be tricky to do the funds if you can’t find the cash prior to the sale. Not to worry! We can lend you the money and you can either pay it back gradually, or as a lump sum when you sell your house.

Read more about our home renovation loans.

Rental bonds

Rental Bonds are a security deposit that’s paid to your landlord before you move in. This money is help by the land lord in case you damage the house during your tenure. While the amount can vary, it’s usually equivalent to about four weeks rent. If your rent is already on the higher time, a rental bond can be a significant amount of money, and hard to budget for. To cover the costs, you can take out a small loan with us, and gradually pay back the amount as you can afford.

Read more about our loans for rental bonds.


How do I make loan repayments?

We know that life can get busy and it’s easy to forget repayment dates – and that getting slapped with a late repayment fee can be tough. Which is why we’ve set up an automatic direct debit feature. Your weekly, fortnightly or monthly repayment will be direct debited from your account on the agreed date that’s outlined in your loan contract.

Is the $3000 loan an unsecured loan or secured personal loan?

All of the loans that we offer at City Finance are unsecured personal loans. This means that there isn’t any security that needs to be put forward in order for the loan to be approved. Instead, the loan amount will be deposited into your bank like cash, and you’ll just be expected to meet your affordable repayments at the frequency that they’re due.

What happens if I can’t make a repayment?

If you find yourself struggling to meet a repayment, please just reach out to one of our friendly staff. We understand that unexpected things happen that can affect your ability to meet your repayments. So, during a chat with our staff you can explain your situation, and they can work with you to sort our a contingency plan that you can meet. If you’re unable to meet a repayment, but don’t get in touch with us, then we will have no choice but to charge a late fee.


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