$4,000 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.

The thought alone of applying for a loan can be stressful – let alone the process of actually completing an application and supplying all of the paperwork supplied. Plus, what happens when you needs the funds quickly for an emergency payment?

Fortunately, at City Finance our application process for unsecured loans is quick and easy, and our loans are issued fast. So, if you’re looking for a stress free loan in order to sort out a pressing financial matter ASAP, then we can help.

We’ve streamlined our loans process, so the application itself should only take a couple of minutes, and you’ll only need minimal supporting documentation. In many cases, our customers can receive a $4000 loan in the bank the very same day that the apply for one.

Getting approved for a $4000 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 $4000 loan?

We aim to help as many people as we can with our $4000 loans, to do so, we accept and approve applications from people from all walks of life – not just those with a perfect financial record.

As long as you’re able to meet our criteria – which aren’t complex by any means – then you should be eligible for a loan with us. In order to submit an application, all that we require is that you are 18 years old or older, receive consistent income from wages or benefits and can provide a few pieces of supporting documentation. Below is more detailed information on what exactly is required to apply for a $4000 loan with us.

  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?

As we’ve already touched on, as a company our aim is to help as many Aussies as possible to get the financial help they require. For this reason, we approve applications from potential borrowers that many other financial institutions wouldn’t – including those with bad credit.

The line between what exactly is average credit, and what is good credit, can vary from lender to lender. However, the generally rule of thumb is that any borrower with a credit score of 624 or less is considered to have a bad credit rating.

A credit score is a number that’s determined by a person’s lending history – or lack thereof. This figure tells a borrower whether the potential lender is a high risk (low credit score) or low risk (high credit score) to pay the money back.

Many financial institutions will only lend to those who have a high credit score, because their proven borrowing history shows that they are likely to meet their repayments.

However, at City Finance, we don’t judge our borrowers solely on their credit scores. We understand that borrowers can face financial troubles, and that they shouldn’t be judged just on their past. So, as well as running a credit check, we also take a potential borrowers personal circumstances into consideration too.

When applying for a loan at City Finance, a friendly member of our staff will reach out to discuss your potential loan. If your credit score is less than perfect, they’ll speak to you about why this happened, and how you believe you can meet your repayments in the future.

We have granted loans to thousands of applicants with a less than perfect credit score. So, if you’re looking for a loan but are wary about applying for one because of a bad credit score, then there’s a good chance City Finance will be able to help. You can find out more about our bad credit personal loans here.

Is a credit check required for a $4000 loan?

A credit check produces a score for a potential borrower that tells the lender whether that applicant is high or low risk to meet their repayments and to pay back the sum.

If a borrower has a low score, this means they’ve made late payments, missed payments or accrued a default on a previous financial matter (this can be in the form of a loan, phone payments, utility bills etc). Some financial institutions will deny a loan on a low credit score alone.

At City Finance, we do run credit checks so that we can gain insight into an applicants borrowing history. However, if the score is low, this doesn’t necessarily mean that they won’t be approved. Instead, one of our staff members will talk directly with them to determine how we can approve a loan to meet their current situation.

While we do run credit checks for our loans for new customers, if you are an existing customer with City Finance, we may be able to approve a loan without a credit check. In this case, the loan is approved much faster – as a large step of the approval process is removed. You can find out more about our no credit check loans here.

What can I use a $4000 personal loan for?

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


Emergencies can be expensive, and it can be extremely stressful if you experience one, but don’t have the funds to cover them. At City Finance, the process of applying and receiving a loan is extremely quick. Apply for a $4,000 loan and get the costs of your emergency covered, without the stress.

Out of work? You might still be able to apply under one of our unemployed loans.

Car repairs

For many people, a car plays a vital part if their daily life. And, for some, their job depends on whether or not they have a vehicle to drive. So, when a car breaks down it’s often important to have it fixed as soon as possible. However, both labour and car parts can cost a lot. If you’ve found yourself in a position where your car needs to be fix quickly, we can help you with a fast cash loan to cover costs. You can then pay the balance back gradually as you can afford it.

Read more about our car repair loans.

Medical bills

Although Australia has a great health care system, there are many medical expenses that can pop up that aren’t covered by it and will leave you out of pocket. Even if you already have an emergency fund for important expenses like this, sometimes the costs will exceed it. In this case, it’s very important not to neglect your health and ensure that you get the treatment needed. To help you cover these costs we can offer a payday loan that you can pay off gradually.

Read more about our loans for medical expenses.

Vet bills

Pets are family members, and when they are unwell or are hurt, it’s important that they get the help they need. However, vets can be very expensive – even more so if medicine, surgery or multiple consultations are required. Are you struggling to find enough money to cover the vet bills for your pet? Reach out to us for a quick $4,000 loan so that he or she can get looked after properly straight away.

Read more about our loans for vet bills.


If you’re long overdue for a holiday, but you can’t financially afford to give yourself a break, then we can help. Whether you’re trying to secure a great flight and/or hotel discount, or you just want to catch a great snow season, our loans can help you lock it your next getaway.

Read more about our travel & holiday loans.

Rental bonds

When moving into a new rental property, a bond is a considerable cost. A rental bond is an amount of money that’s taken as security from a landlord when a new tenant moves in. If any damages happen to the property throughout the tenants tenure, the amount will be deducted from the bond. The total amount of a rental bond can vary from place to place, but the figure is generally equivalent to around four weeks rents. When moving house you’ll often be facing many other costs, so a rental bond loan can help remove financial stress.

Read more about our loans for rental bonds.


Is a $4000 loan considered an unsecured personal loan?

Yes, all the loans we offer at City Finance are unsecured personal loans. An unsecured loan means that there doesn’t need to be an item put forward as security when a loan is taken out. It also means that the money will appear as cash in your account, and you can personally spend the money on what you need it for, rather than having the bank transfer it directly.

Are there any hidden fees or charges with your personal loans?

No, we make all of our fees and charges clear, you can find more information about them here. Unlike some other banks and financial institutions, we don’t charge fees if you can pay off the loan early or pay extra at any time. We don’t have early repayment fees or prepayment penalties.

All of our fees and charges are also set out clearly in our loan term contract, which you will receive to review and sign prior to your loan approval being finalised.

How long does it take to receive the funds?

The exact amount of time it takes for our customers to receive the funds in their account will depend on both their personal circumstances, as well as their banks processing times. However, we pride ourself on our speed at City Finance, and make of our customers receive the funds in their bank account on the same day that they apply for a loan with us.

How do I make repayments?

At City Finance, we are an online lender who only focus on loans, so we’re worked hard to make sure all our processes are as fast and easy as possible. For our loan repayments we use a direct debit method, so your regular repayments will automatically be debited from your account on their pre agreed due date.

What are the loan terms on a $4000 loan?

Every persons specific circumstances are different, so we believe that every loan should be flexible. At City Finance we can adjust the loan length as well as the frequency of repayments, to suit you best. We offer loan lengths between 12 and 52 weeks, and repayment frequencies of weekly, fortnightly or monthly repayments. Once you apply for a loan one of our friendly team members will be in contact to discuss what lending criteria works best for you, they will also clearly explain interest rates and other other fees that may be involved.


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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