Cash Loans Sydney

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

If you’ve blown your budget and found yourself in a situation where you need money quickly, we can help. We offer cash loans in Sydney for amounts of up to $5,000. We have very flexible loan terms, and will work with you to ensure that your loan repayments suit your specific circumstances.

Even if you have no credit history or a bad credit score and have been turned away from other lenders, we can probably still help. We pride ourselves on being inclusive lenders and have helped out thousands of Australians when other financial institutions wouldn’t.

Plus, it’s easy and quick to apply and receive a cash loan in Sydney with us. 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 cash loans?

Cash loans are essentially a pre-determined amount of money that’s transferred to your nominated bank account.

This type of loan is called an unsecured loan, which means that no form of security or collateral is required in order to receive the loan. An unsecured loan also means that the money will be available as ‘cash’ in your account.

Unsecured loans (or cash loans) vary from secured loans in the sense that a secured loan has an asset that’s used as security, which can be seized back by the lender if the borrower doesn’t meet their repayments.

We only offer unsecured loans, so once the loan amount is transferred into your bank account, it’s yours to spend.

Removing the complication of a secured loan means that approval and application time are reduced. Most of our cash loans are approved the same business day that our customer completes their application.

A cash loan is similar to a personal loan, but it’s usually for a smaller amount. We offer cash loans of between $500 and $5000. The amount of time you have to pay the loan back will depend on your agreed terms but will be between 12 weeks and 52 weeks.

Am I eligible?

Obtaining a loan at City Finance is quick and easy, and most people are eligible. All that we ask is that you have some sort of proof of income (this can be from a job or government benefits), are over 18 years and are currently located in Sydney or NSW. Aside from this, all we’ll need you to do is fill in a short online application form and supply a few months of bank statements. If you meet the above criteria, then you’re probably eligible for a cash loan with us!

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?

Quick decisions, quick deposits

A long waiting period and lengthy application process shouldn’t be a part of getting a cash loan. At City Finance, it’s not. The application process itself should only take you a few minutes to complete. From there, our team will work quickly to review and approve your application. Once you’re approved the amount will be processed immediately, and most people receive money in their bank account on the same day they apply for a loan with us.

Inclusive lending

We are a very flexible lending institution, who has helped out thousands of Aussies when other lenders have rejected them. We lend to all people of all walks of life – even if you’re unemployed, have bad credit, we can probably help.

Flexible Repayments

At City Finance we don’t dish out “cookie cutter” loans that are predetermined amounts and repayment terms. Instead, we tailor each loan so that it suits the borrower best. Once your online application is conditionally approved, a member of our friendly team will review your application and then call you for a chat to determine your specific circumstances and decide what loan terms are best for you.

We’re upfront about our fees

We know that there’s nothing worse than being hit with a hidden fee or charge that you didn’t budget for. For this reason, we’re very upfront about all of our charges and don’t charge any extra fees if you’d like to make early payouts or extra repayments. You can find a full list of our fees and charges here.

Trusted Lender

You can feel comfortable borrowing money from us. We have been lending to Australians for over 25 years and are a trusted lender. After you’ve completed your online form, a representative will call you for a chat. You’ll talk with a real person who will discuss your current circumstances and work with you to come up with a loan amount and loan terms that you are comfortable with.

Easy repayments

Life get’s busy, so it can be easy for a repayment date to slip your mind. To help you avoid late payment fees, we’ve set up an easy repayment plan. Each week, fortnight or month we’ll deduct your loan repayment amount from your nominated bank account by direct debit.

We’re understanding

We know that sometimes emergency costs pop up that may render you unable to meet your contracted repayment. If this happens, we can work with you to sort out a contingency plan. All that we ask is that our customers call us to explain that they can’t meet their current payment. From here, our friendly team members will discuss your circumstances and together you can sort out a Plan B.

What can I use my personal loan for?

Unexpected emergencies

Cash loans are very popular because of their quick application and approval time. For this reason, they are often picked by a customer who needs money quickly. This is often because the customer has found themselves in a situation where they’re faced with an unplanned cost, like an emergency. If you’ve found yourself in this situation, our quick cash loans can help. Most of our approved customers receive cash in their bank account on the same day they apply for a loan.

Moving costs

Once you take into account a moving truck, rental bond, advanced rent and additional furniture or white goods, the cost of moving can skyrocket. Even when a budget is carefully planned out, unaccounted costs can pop up – like broken furniture during a move that needs replacing. If you’ve blown your moving budget or had an unexpected moving cost arise, our quick cash loans can help.

Home repairs

Completing home renovations for your own enjoyment can be somewhat of a luxury, but often, problems will pop up at home that need attending to straight away. Think, a blown electrical fuse, a leaky faucet or a caved roof. Issues like these can’t wait until you can afford to fix them on your next payday, or after. Instead, a cash loan can get money to you quickly, so that you can fix the problem straight away.

Large electronic purchases

A laptop upgrade, a flat-screen TV and a new iPhone all come at a relatively large cost. Sometimes this amount is too much for a customer to spend all at once. Rather than waiting to save up for the electronic, they can take out a cash loan with us and gradually pay off their purchases, as they can afford.

Car repairs

We all know that car breakdowns happen and, for a lot of people, having access to a working car is non-negotiable. If you’ve found yourself with a broken vehicle and need to use your car for your livelihood, you won’t have the fortune of being able to wait until next payday to fix it. Don’t worry, you can take out a quick cash loan with us and have your car fixed straight away.

A general cash advance

Regardless of what the purchase may be – whether it’s vital or if it’s something you’ve been yearning to buy for a long time – a quick cash loan can help you secure the purchase and allow you to pay it off gradually. Why not enjoy your purchase while you’re paying it off?


How are personal loans and cash loans different?

Aside from cash loans generally being a lower amount than personal loans, there’s technically no difference between the two, and both are unsecured loans. However, because cash loans are usually for a smaller amount than personal loans, the approval process is normally quicker.


If I’m located in regional NSW am I eligible for cash loans in Sydney?

Yes. Anyone who is currently residing anywhere in NSW (even if they’re from another state), is eligible for cash loans in Sydney.


How long does the entire process take and how soon can I expect money in my bank account?

Some financial institutions take days, and sometimes even weeks, from the moment the loan application is started until the money is received. We don’t. Our entire process is streamlined and we offer very fast cash loans.

The application itself shouldn’t take more than 5-10 minutes. Once a customer’s application is received, our team works very quickly to assess it. Often an applicant will have the money in their bank account the same business day that they apply for the loan. If the application is more complicated, a member of our team will be in touch for further details. However, once you’ve received approval, you can expect the money shortly after.


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
Google Reviews


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
Google Reviews


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
Google Reviews


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
Google Reviews