Western Australia is famous for its fine white beach sand and sparkling turquoise waters. Pair that with the laid-back attitude of West Aussie’s and it comes as little surprise that the state is a popular area to live.
Recent studies have found that the cost of living in Perth has risen dramatically in the past decade – increasing the price of everything from groceries and eating out, to rent and utility bills.
For this reason, we’ve created a loan designed specifically to help those out who are located in Perth or Western Australia. The loan is called Cash Loans Perth and is a cash loan that’s issued very quickly for amounts between $500 and $5000.
Not only are Cash Loans Perth issued quickly, but applying for the 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, send proof of identity and your most recent 90 day bank statement.
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 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 need – and you will just need to meet the contracted repayments (weekly, fortnightly or monthly)
What are Perth Cash Loans?
Perth Cash Loans are a loan we designed to specifically help people that are located in Western Australia and are looking for a quick loan. These loans range between $500 and $5000 and have repayment terms between 12 weeks and 52 weeks. In most cases, the applicant receives the money in their bank on the same business day that they apply for the loan.
Perth 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.
Perth 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.
Our Perth Cash Loans have a very straight forward application process. It involves filling in a quick online form and providing a very small amount of supporting documentation. Once the application is submitted and conditionally approved, a friendly team member from City Finance will be in touch to share a little more information about the loan and answer any questions you may have. After this, the loan is assessed quickly and is often approved that same day. 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.
Am I eligible?
Are you based in Western Australia and aged 18 or older? If so, then the answer is probably yes, you are eligible to apply. We also require our applicants to have some form of regular income – this can be in the form of government benefits or a salary paying job.
If you’ve ticked the above requirements, then you should be eligible to take out 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 Centrelink benefits)
- 90-day history of bank transactions
Why choose City Finance?
We move quickly
Our team is extensively trained in assessing and approving loans, quickly. The online application process is very straightforward and should only take a few minutes to complete. Once, this is done one of our employees will be in touch to discuss your loan. If your application is successful you should get quick approval and a same-day cash deposit into your nominated bank account.
If you’re looking for a loan, but don’t have a perfect credit score, you may find it very hard. This isn’t the case at City Finance. For over two decades we’ve been helping Aussies who’ve been turned away elsewhere. Even if you have bad credit, are on government benefits or are self-employed, we can probably lend you money. We pride ourselves on being very inclusive.
No hidden fees and charges
When paying back a loan, the last thing you need is to be slapped with some hidden fees and charges. For this reason, we make sure all are fees are clear and that we don’t have any hidden charges. The fees and charges involved with your loan will be clearly outlined in your loan contract. You can also read about any fees involved here.
At City Finance we don’t rely on packaged one-size-fits-all kind of loans. Instead, one of your teams will chat with you to understand your specific situation, and then they can work with you to determine what type of loan is most suitable for you. The amount of money, loan terms, and repayment frequency can also be personalised to suit you.
We’ve been in the business of lending for over two decades and have helped thousands of Aussies when others wouldn’t. Our glowing reviews speak for themselves – you can feel safe and be sure your best interests are being looked out for when taking a loan out with City Finance.
Avoid the hassle of managing bills with our direct debit system that automatically deducts the repayment amount on its due date. This handy feature ensures you don’t have to worry about missing a payment, plus it helps you avoid late repayment fees.
We understand that sometimes things happen that might affect your ability to make a loan repayment. If this is the case, we can work with you to sort out a contingency plan with payments and terms that you can comfortably meet.
What can I use my personal loan for?
Bridging a gap on expensive items
If you’ve managed to save up almost enough for an expensive item, like a brand new MacBook, but need a little bit more money to bridge the gap, then a Cash Loans Perth can help. You can determine what the difference is between the amount you have, and the costs of the item, and apply for a loan of that amount. Keep in mind that we offer Perth Cash Loans between $500 and $5000.
Moving house is usually an exciting experience, but it’s also often a costly process. Between moving trucks, new furniture and deep cleaning, the total expenses can add up quickly. If you don’t have enough funds to cover the cost, you can eliminate stress by taking out a Perth Cash Loans with us.
Car repairs are largely unpredictable, and can often be very expensive. Just the cost of engaging. the help of a mechanic sits between $80-$100 per hour. On top of that, when a car breaks down you may also have to pay for pricey car parts. These things can take a huge chunk out of your monthly budget and may put you in the red. Fortunately, you can take out a Perth Cash Loans with us and get your car fixed and back on the road ASAP.
Usually, holidays are planned ahead of time, giving the traveller enough time to save adequate funds. Unfortunately, unplanned travel can pop up, this is often the case with funerals. If you’re grieving, the last thing you need is the added stress of finding enough funds to travel in order to pay your respects. Avoid this by taking out a Perth Cash Loans with us, and paying the total off gradually, as you can afford.
What's the difference between Cash Loans, Personal Loans and Payday Loans?
Cash loans, personal loans and payday loans are all similar in the sense that they are all unsecured loans. This means that none of these loans requires collateral or security in order to be approved. When a loan requires security, the item can be seized back by the lender if the borrower misses a payment.
Cash loans, personal loans and payday loans differ in the way that they are generally for different amounts and have varying repayment times.
Cash loans are one step up, they’re for a moderately small amount (we offer between $500 and $5000) and have a slightly longer repayment time (usually up to a year).
Personal loans on the other hand, are for a higher amount and have longer repayment terms. Because of these factors, personal loans can take longer to approve than the other two.
Can I get a Cash Loans Perth if I live in regional Western Australia?
Absolutely. Cash Loans Perth are actually designed to assist anyone who is living in the state of Western Australia. While you do need to be an Australian resident, you don’t need to officially reside in the state of WA. People who have relocated to Western Australia from interstate are able to apply and receive the loan, too.
How long will the money take to show up in my bank account?
Many of our customers receive money in their bank account on the same business day that they apply for the loan. If your application is deemed by our assessors to require some extra information, they will be in touch quickly by phone. However, you can trust that our loans are very quick at City Finance. in fact, it’s something we pride ourselves on.