By amount

Simple and fast borrowing
We offer quick cash loans of $500 to $5,000 with flexible, customised repayments tailored to suit you. Our simple, fast and stress-free loan process can be done completely online or over the phone.

$3500 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.

  • Small Cash loans up to $5,000
  • Fast Online Application & approval
  • Flexible repayment options
  • If approved – receive funds the same day!

Calculate your loan repayments

Your loan amount
  • Credit Amount
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  • Credit Costs
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  • Total Payable
Repayments are indicative only and based on our assessment of your application. Minimum repayment term is 12 weeks and maximum is 52 weeks. Max APR is 48%.

Are you in need of extra cash to cover unexpected expenses or make a large purchase? If so, then a $3500 loan may be the right solution for you. A loan can help alleviate your financial situation and provide much-needed breathing room in your budget. But before you apply, it’s important to understand how these loans work and if you qualify.

Below, we’ll answer some of the most common questions about loans so you can make an informed decision.

Am I Eligible to Apply for a $3500 Loan?

At City Finance, we believe personal loans should be available to everyone and offer personal loans with no credit check required. You can apply for a personal loan if you have good credit or bad credit. As long as you are over 18 and have a regular source of income, you could be eligible to apply.

You could be eligible to apply if you can provide us with all the necessary documents. In order to apply for a personal loan, you will need to give us the necessary documents the following:

  • A photocopy of your ID
  • A brief online application form in which you provide information such as your address and phone number.
  • Evidence that you have a source of income (this can be a salary or Centrelink payments)
  • Bank transaction history for the previous 90 days

Will You Consider Applications From People With Bad Credit?

Do you have a bad credit score and are looking for a loan? You might be wondering if the bank or credit union will consider applications from those with bad credit. Everyone deserves a second chance, and getting a loan is possible even with bad credit.

At City finance, we understand that past financial missteps can have a lasting impact on your credit score, which may make it difficult to get a loan from traditional lenders. That’s why we are open to considering applications from those with bad credit.

It is important to remember that a bad credit rating won’t necessarily stop you from getting the loan you need. We are here to provide you with options and assess your application based on the information you provide. At City Finance, we guarantee to give you a bad credit loan.

We care for you and want you to get the best financial solutions that fit your needs.

Find out more about our bad credit loans here.

Is a Credit Check Required for a $3500 Loan?

The lender will always require a credit check when taking out a loan. It is because they need assurance that you can repay the loan in full and on time.

When applying for a $3500 loan, we will consider your overall credit file and credit score. Your copy of your credit report and credit file includes all the information related to your financial history. These include any loans or credit cards you have taken out. Your credit score reflects how well you cope with debt and is an indication of your creditworthiness.

If your credit file and score are in good standing, then it’s more likely that we will approve your loan application. Yet, we will still consider your application if you have a bad credit score or a poor credit history. In addition, we may require additional information, such as proof of income, to help assess your ability for loan repayments. Also, we offer loans that have no credit check called payday loans.

If you’re new and concerned about your credit score, don’t worry. We understand; even though we need to run a credit check for the new customer, we can still offer loans to those with bad credit scores.

What Can I Use a $3500 Loan For?

A small loan can be used for many different purposes.

Here are a few sample of things you can use a $3500 loan for:


Emergencies come in all shapes and sizes, so having an emergency fund is essential to see yourself through it. It’s important to save additional money outside of your usual budget, so you’re covered in case of unexpected costs that arise out of nowhere. Prepping for these moments can help make them a little less stressful – then, you don’t have to worry about how you will cover them. Just ask about our unemployed loans.

Car Repairs

Dealing with unexpected car repairs can put a huge financial strain on anyone – often too much for our monthly budgets to handle. But now, you don’t have to wait until the next payday or try to find other options. Our small cash loan can help you cover the cost of quick car repairs and get you back on the road in no time. Check out our car repair loans today, and let us help you get your life back on track.

Medical Bills

Medical bills can be scary when they pile up, but getting stuck in a financial crisis isn’t the solution. Our health should always be a priority, and we provide interest-free loans to make sure of that. Take out one of our personal medical expense loans, and you’ll have more payment flexibility without worrying about the interest rate. It’s never worth sacrificing your physical or mental health, no matter the cost. This way, you can get in touch with us today and learn more about how our loans for medical expenses could help you keep your well-being first.

Vet Bills

Taking care of your pet is essential, and if they face health problems, a visit to the vet can be costly. Sadly, it’s not always easy to find the money in your budget for vet bills. That’s where we come in! We provide fast and convenient small cash loans designed to cover these costs. So you don’t have to worry about sacrificing other aspects of your life just to take care of your beloved pet. Get started today and find out more about our loans for vet bills.


If you’re planning a special trip – whether for business or pleasure – you may need some help to ensure everything runs smoothly. That’s where our secured personal loans can come in handy, and if you’re an international traveller, we understand the different needs. We also provide special loans for your international trips. So don’t let money stand in the way of your dreams – Read more about our travel & holiday loans.


It goes without saying that furnishing your home can be a costly endeavour. But with our furniture loans, you don’t have to worry about breaking the bank just to get the perfect pieces for your living space. In addition, our furniture loans come with a competitive interest rate. This way, you can easily budget for them without sacrificing other important aspects of your life. Read more about our furniture loans.

Home Renovations

There are a number of ways to spruce up your home, but not all of them come cheap. So whether you want to do a complete overhaul or just need minor upgrades, our home renovation loans are here to help with competitive interest rates and convenient repayment periods. These unsecured personal loans can help you get the money needed for those much-needed revamps. Read more about our home renovation loans.

Rental Bonds

Moving into a new home can be exciting, but dealing with the cost of rental bonds can put a damper on things. That’s why we offer special loans to cover those financial obligations, so you don’t have to worry about finding the money elsewhere. Our rental bond loans allow you to move in without stressing over upfront payments or interest rates. Read more about our loans for rental bonds.

Great service! Highly recommend!!

Donna and Justine went above and beyond to make it an easy process and I couldn’t recommend them more in the future they have really made this a breeze! 11/10 service!
Aellis, 18 September 2020

City Finance are truly remarkable

City Finance are truly remarkable. They are willing to listen, understand and help. They have backed me, stood by me through personal upheavals. A company that goes the extra mile. Thank you.
Ms Laura Dean, 15 November 2020

Thank you to Sue & the team

Thank you to Sue and the team at City Finance! Excellent service, fast. Very friendly and easy. Approval money within the hour. Would have no hesitation in using them again in the future and I would highly recommend them to anyone.
Mr Scott Lord, 20 November 2020

Fast and friendly service

Fast and friendly service. I have been with City Finance for a while and wouldn't think of going anywhere else. Thank you
Mr John Lye, 13 July 2020

Contact Us

07 3458 9200