By amount

Simple and fast borrowing
We offer quick cash loans of $500 to $5,000 with flexible, customised repayments tailored to suit you. Our simple, fast and stress-free loan process can be done completely online or over the phone.

Cash loans Melbourne

Looking for a cash loan in Melbourne? Secure a loan in 3 simple steps!
  • Cash loans up to $5,000
  • Fast online application & approval
  • Flexible repayment options
  • If approved – receive funds the same day!

Calculate your loan repayments

Your loan amount
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Repayments are indicative only and based on our assessment of your application. Minimum repayment term is 12 weeks and maximum is 52 weeks. Max APR is 48%.

Melbourne is internationally known as one of the most liveable cities in the world. This is partly attributed to its stunning graffitied lanes lined with unique shops, buzzing cafe culture, world-class restaurants and eccentric nightlife.

While all of these features are certainly attractive – they all come at a price, one that can add up very quickly while enjoying all the fine things Melbourne has to offer.

The charm of the city also boosts its popularity – resulting in sky-high rental and house prices. Put shortly, it’s not cheap to live in Melbourne.

But, once you’ve experienced the magic of Melbourne, it can be very hard to live elsewhere. If you’re located in Melbourne but have found yourself in a position where you’re short on funds and need cash quickly, we can help with a loan we’ve established specifically to address this, it’s called ‘Cash Loans Melbourne’.

If you’re located in Melbourne or Victoria, applying for a cash loan is simple. In fact, it’s as easy as 1, 2, 3, as you can see below.

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Online application

To apply for a loan with City Finance, you’ll begin the online application process by filling in an 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, send proof of identity, proof of income from wages or Centrelink, and your most recent 90-day bank statement.

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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 contact you to confirm the approval and send your contract. We’ll also get your online banking details so we can send over the money.

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Once you’ve been approved, you will 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 need — and you will just need to meet the contracted repayments (weekly, fortnightly or monthly)

What are Melbourne Cash Loans?

Melbourne cash loans are loans that are specifically available to residents or inter-state visitors located in the state of Victoria. The loans were formulated as a quick cash solution for those locally located within the state.

A cash loan is an amount of money that’s quickly processed and deposited into a borrower’s bank account. At City Finance, we offer loan amounts between $500 and $5000 with repayment terms between 12 weeks and 52 weeks.

Cash loans are similar to personal loans but are generally for a lower amount – meaning a quicker approval time. Cash loans are also unsecured loans, which means that no security of collateral is required to be put forward in order to be approved. The removal of security also helps speed up the approval process of a cash loan.

Cash loans are usually a relatively small amount of money that’s required quickly. Cash loans are also generally paid off over a short period of time.

Am I eligible?

Are you looking for a cash loan Melbourne, but wondering if you’re eligible? In terms of lenders, we have very flexible eligibility criteria in place, so there’s a good chance you’ll qualify for a loan with us.

To be eligible for a cash loan Melbourne, we simply ask that our applicants are from somewhere within Victoria, are 18 or older, and have a regular income (this can be in the form of government benefits or a salary).

If you can tick the above boxes, then you’re probably eligible for a loan with us. We’ll also require you to show us some ID, upload some supporting bank statements and complete a short online form.

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 Centrelink benefits)
  • 90-days worth of bank statements

Why choose City Finance?

Decisions are made quickly

Here, at City Finance, we have a mission to make our customer’s loan application and approval process as quick and easy as possible. We have a short application form, which shouldn’t take more than a few minutes to fill in. Once this is done, your loan will have a fast decision turnaround, and if it’s approved most applicants will receive money in their nominated bank account that same day.

Inclusive lending

We promote financial inclusion and don’t discriminate against applicants if they don’t fit very strict credit requirements that other lenders may stipulate. Many of the big financial institutions will often reject an applicant if they have a bad credit score, no credit rating or are on government benefits. We’ve lent money to thousands of Aussies who fall under these three categories. After your application one of your friendly team members will be in touch to listen to your specific circumstance and to work with you to figure out a loan amount and terms that suit your situation.

No hidden fees

We like to keep everything upfront and clear cut so that our customers know what fees and charges they’ll be paying, and aren’t hit with any unexpected expenses. We don’t charge early settlement fees when a loan has been paid off early. We also don’t have any hidden fees or charges for making extra repayments.

City Finance is a trusted lender

Our company is well established in the lending industry and has been loaning money to Australians for decades. We’ve helped thousands of people, and their contentment with our services shines throughout our reviews. Our online application process is streamlined and quick, and after that’s completed you’ll still talk to a member of a team to determine the terms around your loan. Our friendly team is available during business hours to speak with you and help with any issues that may arise.

Easy repayments

Life is busy enough, no one needs an extra duty added to their already too-long to-do list. That’s why we’ve implemented a simple and straightforward repayment initiative. So you don’t have to worry about managing bills, we have a direct debit system where your repayment amount will automatically be deducted from your nominated bank account on the due date.

Crisis friendly

All loans have loan terms set out that outline how and when the amount is going to be paid back. While customers are expected to stick to this, if a situation arises where they can’t make a repayment, we understand. In a circumstance like this, one of our friendly team members can help a customer sort out a new repayment plan that they can manage.

What can I use my personal loan for?

Unexpected bills

When unexpected bills pop up, our same day cash loans may just be your saving grace. It’s next to impossible to delay utility bills – you’ll usually either get completely switched off or charged a hefty overdue payment fee. Avoid this hassle by acquiring a personal loan through City Finance.

Emergency cash

Most people have found themselves in a position where they need emergency cash, usually for an expected cost. If this has happened to you and you don’t have the funds available to cover the costs, you don’t need to worry. You can eliminate the stress of coming up with the money by taking out a cash loan from us.

Special events

Special occasions like a pregnancy announcement, engagement or job promotion may come as a surprise. If the event has happened to a close one, you may find yourself in a position where you’d like to give them a congratulatory gift. But what happens if you don’t have the cash on hand? The answer is simple – take out a cash loan with us, and get shopping!

Medical bills

In many cases, medical treatment is non-negotiable. Health should always be prioritised and no one should deprioritise their health because of the costs involved. In Australia, we’re lucky enough to have a great health care system that covers a lot of medical costs, but there are expenses that fall outside of the system. Things like medicine, the dentist and specialist treatment will leave the patient with out-of-pocket costs. If you need costly treatment, you can take out a cash loan with us and be seen to quickly.


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

When it comes to the loan terms themselves, there’s technically not too much difference between a personal loan and cash loan – both are unsecured loans. However, personal loans tend to have stricter approval terms, and are usually for a higher amount of money. These two factors can slow down the approval and issue process. On the other hand, a cash loan is usually for a moderately low amount (at City Finance we offer between $500 and $5000), this means that they can often have the capabilities to be approved much faster than a personal loan.

Can I apply for cash loans Melbourne if I'm located in regional Victoria?

Yes, our Cash Loans Melbourne is available for anyone who lives in Victoria. The terms aren’t too strict surrounding your location. You don’t need to be a resident of Melbourne, an applicant will still be eligible if they’re from interstate and are temporarily living in Victoria.

I've never had a loan before and feel nervous about taking one out, is it possible to speak to an actual person to find out more?

Absolutely! Unlike some other bigger faceless institutions, we won’t send you around in circles with a robotic automated system when you call. We pride ourselves on our customer services and our friendly team members are available during business hours to answer any question that you may have. They can also listen to your situation and help suggest what type of loan will suit you best. In fact, everyone who applies for an online loan with us will have a friendly team member reach out to them via phone to run them through what they can expect and to be of assistance if it’s required.

Great service! Highly recommend!!

Donna and Justine went above and beyond to make it an easy process and I couldn’t recommend them more in the future they have really made this a breeze! 11/10 service!
Aellis, 18 September 2020

City Finance are truly remarkable

City Finance are truly remarkable. They are willing to listen, understand and help. They have backed me, stood by me through personal upheavals. A company that goes the extra mile. Thank you.
Ms Laura Dean, 15 November 2020

Thank you to Sue & the team

Thank you to Sue and the team at City Finance! Excellent service, fast. Very friendly and easy. Approval money within the hour. Would have no hesitation in using them again in the future and I would highly recommend them to anyone.
Mr Scott Lord, 20 November 2020

Fast and friendly service

Fast and friendly service. I have been with City Finance for a while and wouldn't think of going anywhere else. Thank you
Mr John Lye, 13 July 2020

Contact Us

07 3458 9200