$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 a bind and need cash fast? Whether it’s to cover an unexpected bill that popped up or to purchase something you didn’t budget for, sometimes taking out a loan may seem like the most fitting solution. However, many loans come with hefty monthly fee and interest rates that add up quickly – making them not such great options if you can avoid them. But don’t worry! If you find yourself needing a small amount of money without breaking the bank on fees or interest rates, there might be an option for you – $500 Loans. Read on as we explore what these are and how they compare to other forms of borrowing money loan amount.

Am I Eligible to Apply for a $500 Loan?

At City Finance Loans, we understand that life can throw unexpected curveballs when you least expect them. That’s why our small cash loan is designed to help you get through those tough times without breaking the bank. As long as you’re 18 or older, have a steady source of income, and can show supporting documentation, you should be able to qualify for a $500 payday loans.

The requirements for our small cash loans are relatively straightforward. We don’t ask for a lot of documentation to apply for a loan with us. All we need is the following:

  • A copy of your ID
  • 90-day history of bank transactions
  • Proof of income (Eg a payslip or Centrelink income statement)
  • A short application form with details such as your address and phone number

Will You Accept Applications From People With Bad Credit Rating?

Everyone deserves a second chance, and poor credit history does not have to stop you from being approved for a loan. That’s why we are prepared to accept applications from Australians even if their poor credit score might suggest otherwise.

We’ve been consistently granting thousands of loans each year to those with poor credit rather than only assessing them based on past lending criteria. If your bad credit has been holding you back from accessing the funds you need in your bank account, don’t hesitate to take advantage of our bad credit loan options.

Find out more about how we can provide special loan assistance to those who don’t meet traditional lender standards by reading more. If bad credit loans are what you’re looking for, you can apply now with confidence knowing that we are here to help.

Is a Credit Check Required for a $500 Loan?

Are you worried a personal loan application might hurt your credit score? Well, let us tell you – you shouldn’t be. Most lenders need to run credit checks to accurately assess the risk associated with providing you with a loan and determine whether or not they should approve your application. This helps them decide if you’re financially responsible enough to make regular loan repayments.

Generally speaking, a high credit score likely indicates that you consistently pay off your loans in full and on time, while a low credit score implies that you’re more likely to default on repayment. Nevertheless, most $500 personal loans do not require extensive credit checks, so rest assured – your personal loan application is unlikely to hurt your existing credit score significantly or prevent you from obtaining the much-needed financial assistance!

What Can I Do With a $500 Loan?

Small loans can be incredibly helpful for getting through times of financial hardship, but it’s important to know what you can do with a $500 loan. This may seem like a small amount, but it can go a long way to helping you reach your goals and other financial obligations.

Here are some of the most common uses for small loans like this, so you can make an informed decision:


Whether it’s an unexpected medical bill or a surprise car repair, a $500 loan can help you cover the cost of emergencies. With online loans, you can often get approved quickly and have your funds deposited into your account in as little as 24 hours. You may still be eligible for one of our unemployment loans.

Car Repairs

Sometimes repairs on your car can be expensive, and a $500 loan may be enough to cover the cost of parts and labour. Whether it’s an oil change or something more serious, having access to additional funds can relieve some of the stress and get you back on the road faster. Read more about our car repair loans.

Medical Bills

Medical bills can be overwhelming, especially if you don’t have insurance. A $500 loan can help cover the cost of a doctor’s visit or necessary medication, so you won’t have to worry about how you’re going to pay for it. Read more about our loans for medical expenses.

Vet Bills

Pet owners know that vet bills can be expensive, and sometimes a $500 loan can provide enough funds to cover the cost of a visit or treatment. This is especially helpful if you’re dealing with an emergency situation or have an ill pet that needs immediate attention. Read more about our loans for vet bills.


If you’re planning a trip but don’t have the funds to cover all of your expenses, a $500 loan can help you cover the cost. Whether it’s for booking flights or reserving a hotel room, having access to additional funds can make it easier to plan and enjoy your time away. Read more about our travel & holiday loans.


Whether you’re furnishing a new home or replacing an old sofa, a $500 loan can help you get the furniture you need. With online loans, you can often be approved and have your funds deposited into your account in as little as 24 hours. Read more about our furniture loans.

Home Renovations

If you need to make some minor improvements around the house, a $500 loan can help you cover the cost. Whether it’s replacing windows or updating your kitchen appliances, having access to additional funds can make the process easier and more affordable. Read more about our home renovation loans.

Rental Bonds

When you move into a new rental property, you often need to pay the landlord a bond. A $500 loan can help cover the cost, so you don’t have to worry about coming up with the funds before you move in. Read more about our loans for rental bonds.


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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