Cash Loans Adelaide

Looking for a cash loan in Adelaide? Secure a loan in 3 simple steps!

No matter where you’re located in the world – or country – money problems can happen. It goes without saying that money problems can be stressful.

Thankfully, we offer fast cash loans in Adelaide that can help you overcome your money problems. These loans can help you get on top of your finances or cover unexpected costs, and let you pay off the balance gradually with a payment plan.

Not only are Cash Loans in Adelaide issued fast, but applying for a loan is also very 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).

What are Adelaide Cash Loans?

Adelaide Cash Loans are loans we’ve designed to help people located in South Australia who need cash quickly. Put simply, they’re cash loans that are available to people situated locally.

Despite the name, Adelaide Cash Loans aren’t available just to people who reside in Adelaide, they can be issued to anyone who’s located in South Australia. While applicants should be Australian residents, they don’t need to be permanently located in South Australia, they’re also available to inter-state residents who have moved to SA.

Cash loans are unsecured loans. This means that no security is required in order to apply for the loan. Secured loans, on the other hand, need a valuable item as collateral when applying for a loan. This item can be seized if the borrower misses a repayment. At City Finance we don’t offer secured loans.

Cash loans focus on being loans that are processed quickly for a relatively small amount of money. We offer cash loans between the value of $500 and $5000 with repayment terms between 12 weeks and 52 weeks. The frequency of repayments can be chosen by the borrower.

Our cash loans are superior to many other cash loans on the market, in the sense that they are very fast. Most applicants will receive approval, and the loan money in their bank account, on the same day that they apply for the loan. In rare cases, the loan assessor may determine that they need some more information from the applicant. If this is the case, one of our friendly team members will get in touch for a quick chat. Even in this scenario, you can still expect a quick result.

Am I eligible?

At City Finance we do our best to include everyone. We understand the frustration of being repeatedly rejected by different lending institutions. At City Finance we’ve lent money to thousands of Aussies who’ve been rejected elsewhere.

Our eligibility criteria are very relaxed. All that we ask is that you are located in South Australia, are aged 18 or older and have a regular income (this can be in the form of Centrelink payments or a salary from a job).

If you can fulfil these criteria, then you’re probably eligible to apply for a loan with us. Applicants will need to provide us with some supporting bank documents and ID when filling out the application form. To find out more information about the supporting documents required, read on.

What supporting documents and information do we need to process your cash loan?

At City Finance the process of applying for a personal loan when you’re unemployed is simple. We don’t need a bunch of different documents, all we require is the following:

  • A copy of your ID
  • A short application form with details such as your address and phone number
  • Proof of your income (either wages or government benefits like Centrelink payments)
  • 90-day history of bank statements

Why choose City Finance?

We work quickly

Some loans involve mountains of supporting documents and make applicants wait weeks before making a decision about whether they’re approved. Not us. We’ve worked hard to ensure that our application process is as fast as possible. It takes just a few minutes to fill in our online application form, and you will receive a call from one of our friendly team members shortly after. From here our team works quickly to approve loans, and applicants often receive same-day deposits.

Inclusive Lending

At City Finance we’ve helped thousands of Australian’s who have been rejected by other lenders for not fitting their stringent requirements. If an applicant has bad credit or is on Centrelink, a lot of big banks and financial institutions will automatically reject their application. We don’t work like this. Instead, a real human assesses each application individually to determine the best loan terms for you.

No hidden fees and charges

It can be very disheartening to be slapped with charges and fees that you haven’t accounted for. We outline all our fees and charges clearly in our loan contract, as well as on our website. We also don’t have any hidden fees for early payouts or extra repayments.

Trusted Lender

City Finance is a well-known lender and is very established in the financial services sector. We’ve been around for over 20 years and have helped thousands of Australian’s with loans. Our glowing reviews speak for themselves – you can feel safe and comfortable borrowing money from us.

Simple repayments

We take the hassle out of loan repayments with a direct debit system. We will directly debit your loan repayment amount on the due date, to save you from worrying about when you need to transfer. This method also helps our customers avoid pesky late payment fees.

A friendly team

At City Finance, you’ll deal with real people, rather than robotic technology. Our friendly employees can help you whenever you have a query or question. They can also help if you find yourself in a situation where you’re unable to make a loan repayment. All that we ask is that you get in touch with us to let us know about your circumstances, and our staff will work with you to sort out a contingency plan that you can meet.


What can I use my personal loan for?

Medical Bills

In Australia, we’re lucky to have a great health care system that subsidises a lot of medical costs. However, there are some things that don’t fall under free health care in Australia, that includes specialist appointments, travel vaccines and the complete costs of medicines. If you need some medical treatment that isn’t covered by Medicare but doesn’t have enough money to pay for it, you can take out Adelaide Cash Loans with us.

Replacing broken gadgets

Most people have experienced the frustration of their smartphone or laptop breaking at one point at another. Repairs can be expensive, and replacements can be even more costly. Many people need phones and/or laptops for their livelihood and can’t go without them. If you’ve damaged an electrical gadget that needs replacing quickly, you can take our Adelaide Cash Loans with us, and pay the balance back gradually.

Emergency home repair

If a home repair is affecting your living conditions, you’ll probably need to get it fixed quickly. Examples of emergency home repairs include a gas leak and a caved roof. It’s hard to budget for home repairs, as it’s impossible to know when they may happen. If you’re in a position where you need to fix a problem with your home quickly, but don’t have the financial means, take out Adelaide Cash Loans.

Unexpected bills

Like death and taxes, bills are an unfortunate reality of life. While paying bills is never fun, they can be even more of a drag when the amount of the bill is a lot higher than expected. If you’ve received an unexpected sky-high bill that you’re unable to pay, you can take out an Adelaide Cash Loans to ensure that your service isn’t deactivated.

Extra costs during the holiday season

It’s easy to get swept away by the excitement of Christmas and the silly season and spend more money than you intend. Between entertaining, Christmas presents and New Year’s Eve, costs can add up pretty quickly. If you’ve blown your budget over the holidays, you can quickly receive a cash loan from us that will help you get through.

Vet Bills

Most pet owners will say that their animal takes priority over their finances. If your pet is sick, you will do anything you can to help him or her get better, even though vet bills can be very expensive. But what happens if you don’t have enough money? Don’t worry. We can issue a same-day cash loan to help cover your pets vet bill. You can then pay the amount back gradually, as you can afford.


What’s the difference between cash loans and personal loans?

Cash loans and personal loans are both unsecured loans, which means that no object or item needs to be put up against the loan in order for it to be approved. However, cash loans are generally for a lower amount than personal loans. Because of their lower value, they are usually granted faster than personal loans.

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 (small amount credit contract)
With this type of loan, 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 (medium amount credit contract).
If you need a loan for more than $2,000, you can opt for a MACC. With a MACC you can loan between $2,001 and $5,000. You will be charged a flat upfront $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?

Many of our applicants receive the money in their bank account on the same day that they apply for the loan. Once a loan is 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.


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
Google Reviews


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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