Emergency loans

Had an emergency and need money fast? Secure an emergency loan in 3 simple steps!

We get it. Emergencies happen. Whether it’s a medical emergency, a sudden problem with your car or damage to your house, emergencies are, unfortunately, a part of life.

Often emergency situations will require a fair bit of money – money that you probably haven’t budgeted because it is an unforeseen situation. If this is the case for you, don’t worry, City Finance can get you some money quickly and easily so that you can take care of your emergency without the added stress of cash flow. We offer loans across Australia – including BrisbaneSydneyMelbournePerth and Adelaide.

We can process emergency loans for you at lightning speed, often you can have the funds in your bank account by the end of the day.

Usually, the thought of applying for a cash loan drums up images of timely paperwork, rigorous background checks and a slow approval process. This isn’t the case at City Finance. We understand the urgency of your situation and that an emergency expense will be involved so will prioritise your application so that it can be approved as soon as possible. Applying for an emergency loan is a breeze. 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 emergency loans?

Emergency loans are similar to payday loans in the sense that it’s a personal loan that is prioritised and granted as soon as possible. This type of loan is best for when an applicant needs cash ASAP to take care of a situation.

The application and approval process for all of the loans at City Finance is very quick. This is because our friendly and skilled staff focus solely on loans. This means our staff’s time isn’t stretched thin over a lot of different tasks and then can focus solely on approving your emergency loan.

When it comes to emergency loans, they’re prioritised and approved even quicker than our regular loans. This means that by taking out an emergency loan you’ll be sure to have the money very quickly, in some cases the very same day.

We can offer emergency loans for differing amounts of time. Regardless of whether you’re after some quick cash flow to get your bills paid, or if you’d prefer to gradually pay off your loan, we can help. We offer repayments terms between one week and 52 weeks. You can borrow as little as $500 or as much as $5000. It’s also important to know that we don’t charge extra early repayment fees like some lenders.

In an emergency situation, we know that the last thing you need to worry about is sorting out finances. That’s why we’re committed to helping make a tough situation, like an emergency, easier and less stressful for you. You can apply for an emergency loan on our website in a matter of minutes, and have the money in your bank account by the end of the day so that you’re not left in the lurch.


Am I eligible for an emergency loan?

Most people are eligible for emergency loans. As long as you’re 18 or older and have proof of work (or Centrelink benefits), then you’re eligible for an emergency loan. If you have questions surrounding your eligibility please feel free to reach out to our customer service here.


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

At City Finance the process of applying for an emergency loan is simple. We don’t need a bunch of different documents, all we require is the following:

  1. A copy of your ID
  2. A short application form with details such as your address and phone number
  3. 90-day history of bank transactions
  4. Proof of your income (either wages or Centrelink benefits)


How City Finance can help customers with instant emergency cash loans

We consider everyone

Bad credit, a low income or the fact that you’re self-employed can all be factors affecting your eligibility to be approved for a loan at normal banks. We understand the frustration of spending hours, days or weeks on a loan application, only to be left disappointed when you are denied.

Luckily, we’re not like normal banks! We pride ourselves on granting personal loans to people that may be discriminated against at other financial institutions. As long as you can supply us with 100 points of identity and are over the age of 18, we can discuss a loan scheme to suit you best. Unlike other lenders, we also consider loans for people on centrelink, and loans for pensioners.

Applying is a quick process

At City Finance we believe a loan process should be quick and efficient. So, we’ve made it that way for our applicants! To apply for a small loan with us all you need to do is fill in a short online form, and provide a couple of documents.

From there we will quickly analyse your application. If we believe that you are a suitable candidate for a loan with us, we’ll approve your application in next to no time! Our friendly team focuses solely on loans, so they have the experience to approve them quickly and get money to you fast. Been approved for a loan with us in the past? You may be eligible to apply for a no credit check loan.

Things don’t need to be set in stone

Strict, inflexible terms are often set when a loan is taken out. These rules can involve fees for any late payments, as well as fees for early payouts or extra repayments. At City Finance we couldn’t be further from this style.

We offer very flexible terms and can work with our customers to make sure the repayment schedule works for them. Even if it’s part way through a loan term. We are also very clear about our fees and charges – we don’t charge any fees if you choose to make early payouts or extra repayments.

Reputable company

City Finance is established in the financial industry as a lending leader. We’ve been helping Australians – including those who have been rejected elsewhere – get loans for over 20 years. We’ve helped thousands of Australians and are ready to help you, too.

We aren’t just a faceless online organisation, our friendly employees will contact you directly so that you can ask any questions you may have, and they can listen to your needs to figure out the best loan option for you.

We’re always here for you

Of course, at the start of a loan repayment terms are set out and payments are expected to be met on the due date. However, if something unexpected pops up that you haven’t budgeted for, and you’re unable to make repayments, we’ll work with you to figure out a contingency plan that is suitable for you.

Repayments are simple

Life gets busy and sometimes it can be easy to missed a loan repayment and get slapped with a late fee. We help you avoid late payments by setting up a direct debit system where your loan payments can come directly out of your nominated bank account of each date they are due.


What can I use an emergency loan for?

An emergency loan can be used for basically anything, but here are some examples of why you may need one.

Car Repairs

Even if you’re regularly maintaining your car, problems can happen. The cost of car parts and mechanics normally runs quite high. If you don’t have a pool of money available to cover the costs and get yourself back on the road in the case of a breakdown, contact us for a loan. Read more about our car repair loans.

Medical expenses

Even with the great healthcare system that Australia has, there can still be a lot of out-of-pocket expenses that may arise. Think: a deductible for a chiropractor, medications or an ambulance. If you need medical attention and don’t have enough money available, then we can help. Read more about our loans for medical expenses.

Rental bond

A bond is a huge cost – it’s usually in the thousands of dollars – and can be a frustrating expense on top of all the other expenses moving house costs. Rather than paying it in a lump sum, you could contact us for a small cash loan to cover the rental bond and pay a small amount out of your weekly pay packet at a rate you are more comfortable with. Read more about our rental bond loans.

Furniture or white goods

If you’ve ever looked up rental white goods and furniture you’ll know that they are both extremely expensive. If you can’t afford these things upfront, rather than renting the goods and essentially throwing the money away, you can take a loan with us and own the furniture and white goods. Read more about our furniture loans.

Unexpected emergency

Unexpected emergencies can arise at any time and you may not have the cash to cover them. At City Finance we understand the urgency of unexpected costs. So, we specialise in getting cash to our customers as quickly as possible so that they can take care of any emergency costs they require. Out of work? You might still be able to apply under one of our unemployed loans.

Vet bills

For most people, their pet is a member of their family. So when he or she gets sick, it’s imperative that they’re taken to the vet to sort out the problem. Vet bills can be very costly and need to be paid before your pet’s condition deteriorates. If you don’t have the money on hand we can sort out a quick, small cash loan for you and your pet. Read more about our loans for vet bills.

Home renovations

Home renovations can add significant value to your house, but how can you add the value if you don’t have the money for home renos in the first place? Easy! Contact us for a loan and get your tools ready to go. Read more about our home renovation loans.

Travel loans

Thanks to a certain pandemic, our travel options are limited at the moment. However, we’re still allowed to travel locally (sometimes!). If you need a break and are dying for a holiday but don’t have enough savings then we can help. Read more about our travel & holiday loans.

Dental costs

Smashed your front tooth? Painful root canal? Wisdom teeth coming through? An appointment at the dentist certainly costs a pretty penny, a situation that you may not have enough money on hand. Contact us for a loan and we’ll get you smiling again.


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
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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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