Cash Loans Adelaide
Looking for a cash loan in Adelaide? Borrow up to $5,000 in 3 simple steps!
- Easy online application process
- Flexible loan repayment options
- If approved – get same-day funding!
Why get an Adelaide cash loan?
Living in Adelaide has its charm—beautiful parklands, a thriving arts scene, and a laid-back lifestyle that’s uniquely South Australian.
But with the rising cost of living, from groceries to rent and utility bills, even the most budget-savvy can feel the pinch.
That’s where our Cash Loans come in. Designed with Adelaide residents in mind, our Adelaide Cash Loans offer a quick, easy, and flexible way to bridge financial gaps and keep life on track.
Whether it’s covering unexpected expenses or making ends meet, we’re here to help you enjoy the best of Adelaide.
How it works
Life doesn’t wait, and neither should you. That’s why our Adelaide Cash Loans are designed to be fast, simple, and tailored to your needs.
Whether you’re covering an unexpected expense or need a little extra to bridge the gap, our loans range from $500 to $5000 and come with flexible repayments to suit your budget.
With our fast application process and loan approvals, we’ve made borrowing as hassle-free as possible.
Once approved, the money is transferred to your bank account instantly. Some banks may have a longer processing time, but most banks will release the money into your account that same day.
1. Apply online
Getting started is easy. Fill out our simple online application form by selecting your loan amount, repayment period, and providing basic personal details along with proof of identity.
2. Quick confirmation
After we receive your application, our team will review it and confirm your details. If approved, you'll get an email with the good news and we'll collect your bank account details to transfer your funds.
3. Fast funding
Once approved, your money is on its way—usually by the end of the day, and often even faster! Use your funds however you like, with flexible repayment options to suit your schedule
Why choose City Finance?
Inclusive lending for all
We've helped thousands of Australians when other lenders won't. Whether you have a bad credit history or receive government benefits, we’re here to give you a chance
Fast approvals, same day cash
Looking for quick loans in Adelaide? Our streamlined process means you can apply in just a few minutes, get fast approval, and receive your cash the same day.
No hidden surprises
Worried about hidden fees? With City Finance, our rates are transparent and clearly outlined in your loan contract. No unexpected charges—just honest, responsible lending
Tailored to you
Say goodbye to cookie-cutter loans—your situation is unique, and your loan should be too. We personalise loan amounts, terms & repayment schedules to suit your needs.
Trusted for over 20 years
With decades of experience & thousands of happy customers, we're a responsible lender you can trust. Our glowing reviews prove we put your best interests first.
Simple repayments
Simplify your finances with automatic direct debit repayments. Never worry about missing a payment or late fees—just one less thing to think about.
What can I use my personal loan for?
Bridging the gap
Need a little extra before payday? Our cash advance loans could help you cover the difference.
Car repairs
From mechanics to replacement parts, cover car repair costs and get back on the road faster.
Medical expenses
Our fast cash loans can help you pay for an expensive medical procedure and put your health first.
Vet bills
Give your best friend the urgent care they need and cover unexpected vet bills with a cash advance.
Moving house
Ease the financial strain of moving with extra funds for expenses like removalist trucks, furniture, and cleaning.
Cash loans FAQs
What are Adelaide cash loans?
Adelaide Cash loans are essentially cash loans for people located locally. Cash loans are similar to personal loans but tend to be for a smaller amount of money and approved quicker, making them ideal for people who need money fast.
Are cash loans unsecured?
Yes, our Adelaide Cash Loans are unsecured loans, which means that no security of collateral needs to be put forward for the loan. Secured loans differ in the sense that they do require security, and the item that’s used as security can be seized by the financial institution if the borrower misses a repayment.
Am I eligible for a cash loan?
Are you based in South Australia and aged 21 or older? If so, then the answer is probably yes, you are eligible to apply for a loan. We also require our applicants to have some form of regular income – this can be in the form of Centrelink payments or a salary paying job.
Learn more about Who We Lend To.
What supporting documents do we need to process your cash loan?
At City Finance, the process of applying for a Cash Loan in Adelaide is simple. We don’t need a bunch of different documents; all we require is the following:
- A copy of your ID
- 90-day history of bank transactions
Are Cash Loans Adelaide for regional South Australians?
Absolutely. Cash Loans Adelaide are actually designed to assist anyone who is living in the state of South Australia. While you do need to be an Australian resident, you don’t need to officially reside in the state of SA. People who have relocated to South Australia from interstate are able to apply and receive a loan online, too.
What's the difference between cash loans and personal loans?
Cash loans and personal loans are both unsecured loans, meaning that neither requires collateral or security in order to be approved.
However, cash loans and personal loans offer different loan amounts and have varying repayment times. For example, cash loans are for smaller amounts (we offer between $500 and $5000) and have a slightly shorter repayment time (usually up to a year, though loans over $2001 can be repaid over 2 years). Personal loans, on the other hand, are for a higher amount, have longer repayment terms and can take longer to approve.
Is there an establishment fee?
Yes, we offer two types of loans – a SAAC loan and a MACC loan – and both have establishment fees. These fees do not need to be paid upfront, but are built into your scheduled repayments. Below is some more information about each type of loan, as well as the establishment fee.
- A SACC: With a Small Amount Credit Contract you can borrow between $500 and $2,000. The cost is a 20% upfront establishment fee (split across payments) and monthly fees of 4% for maintenance.
- A MACC: A Medium Amount Credit Contract lets you borrow between $2,001 and $5,000. You will be charged a $400 establishment fee (split across payments) and a 48% annual percentage rate. With this option, there are no monthly fees for maintenance.
How long does it take for the money to be received in my bank account?
Most of our customers receive the money in their bank account on the same day that they apply for the loan. Once approved, the transaction will be made instantly, so you may need to factor in how quickly your bank will release the funds. Of course, determining whether you will receive cash on the same day that you apply will depend on your particular circumstances, but our application, approval and funding process moves very quickly.
Can I get a quick cash loan if I have a bad credit history?
If you’re looking for a loan, but don’t have a perfect credit rating, you may find it very hard to get approval from traditional lenders. At City Finance, we understand the frustration of being repeatedly rejected by big banks and other lending institutions and do our best to give eligible applicants a second chance at borrowing.
Explore our Bad Credit Loans.
