$3,500 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.

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.


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).


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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