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.

Loans For Newly Employed

Are you newly employed? Secure a loan in 3 simple steps!

We are always upfront and transparent about our costs – no hidden fees or charges.

  • Loans for the unemployed 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
  • Credit Amount
  • +
  • Credit Costs
  • =
  • Total Payable
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%.

As the job market recovers, more and more people are finding employment opportunities. Congratulations on taking your first step towards financial security! However, now that you’ve acquired a new source of income, it can be tricky to navigate what’s next when it comes to managing finances. That’s why understanding loans for newly employed individuals is so important – but where do you start? It is essential to understand the different types of loans available and how they can help you achieve your financial goals.

At City Finance, we offer a range of loan products tailored to the needs of newly employed individuals. Our loans are designed to provide a quick and easy way for you to access the funds you need when you need them. Whether you’re looking to purchase new furniture or make a large one-off purchase, our loan products can help.

Can I Get a Loan With a New Job?

Being newly employed with a casual job doesn’t have to stand in the way of getting an unsecured personal loan. In fact, many lenders are willing to consider applicants who may not have a long-term employment history. It’s important for lenders to see that they are lending money to people who will be able to repay them, and it only makes sense that no credit history or inconsistent income would make this a bit more complicated. However, that doesn’t mean it’s impossible! City Finance offers a range of personal loans options designed with the needs of new job applicants in mind – allowing you to borrow up to thousand dollars without having a lengthy employment history.

How to Apply for a Loan if You Are Newly Employed?

If you are just starting a new job, congratulations! You may be in the process of transitioning your finances to a new income. If you also need some additional funds to help with the transition or to purchase something important like a car or home, then you may want to consider taking out a loan. Applying for and obtaining loans may seem intimidating or overwhelming, especially if you don’t have a long credit history. However, there are steps you can take to ensure your loan application is successful such as:

City Finance dollar time watch icon

Online application

Our online personal loan application is quick and easy to use. It’s designed to make the process of applying for a loan as streamlined and stress-free as possible. All you need to do is fill in some personal information such as your name, address, income, employment status, and other details, then review the terms and conditions before submitting your application. We’ll use the information you provide to evaluate your loan request and determine whether you’re eligible for a loan. With this process, you can take comfort in knowing that your loan application is being handled securely and quickly.

City Finance click fingers icon


After you submit your loan application, one of our knowledgeable loan officers will take a look and conduct some due diligence to make sure your request stacks up. They might need a little extra information or documentation from you – don’t worry, it’s just part of the process! Generally, within a few moments, we’ll get back in touch with confirmation that everything has been approved and then off to the races; You are on track to getting an awesome new loan secured.

City Finance cash bag icon


The funding part is the final stage in a newly employed loan application. We understand how difficult and frustrating borrowing money can be. Therefore we attempt to make our loan procedure as simple and stress-free for you as possible. If you are authorized, you will typically receive the funds by the end of the same day – no need to wait days or weeks. Furthermore, your repayment schedule can be adjusted to match your demands, such as weekly, biweekly, or monthly intervals. With flexibility, you’ll be able to manage your loan and make your payments on time.

Am I Eligible for a Loan if I Am Newly Employed?

If you are newly employed and need to access a loan, then you could be in luck. Most lenders who offer loans for individuals who have recently started a new job or changed their profession are available. We are just one example of a lender who will provide loan opportunities to those who are newly employed. When applying for such a loan, it is important to show that you are able to meet the repayment terms of the loan. This is why lenders will often consider your current income and other factors such as additional savings or minimum annual income you may have. At City Finance, we understand that sometimes people with a poor credit history can find it difficult to access loans. That’s why we also consider applicants for people with bad credit who are newly employed.

What Information Do I Need To Provide to Apply for a Loan if I Am Newly Employed?

If you are newly employed, you may be wondering what information you need to provide when applying for a loan. The good news is that the application process is not much different than it would be if you were an experienced employee. Here are some of the information you’ll likely need to include in your application with City Finance:

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

Why Choose City Finance?

Are you an Australian citizen recently employed and in the probationary period of your job? If so, get the money you need with ease when you choose City Finance. We provide tailored loan options to those who fit the criteria, offering competitive terms and fast approval times. So don’t struggle through expensive short-term loans or wait around for payouts from traditional sources. Instead, secure a loan with us and know that you’re getting the best deal for a secured loan in today’s market. Plus, our flexible repayment plans make it easier than ever to manage your finances.

What Can I Use a Newly Employed Loan For?

Once you’ve been accepted for a loan as a newly employed person, it can be challenging to decide what to use the money for. After all, with this extra influx of funds, the possibilities are almost endless! To help you make the most out of your loan, here are some ideas on how you can spend your newly acquired funds:

Vet Bills

If you’ve recently adopted a pet, you may need to cover veterinary bills. With a loan from City Finance, you can pay for vaccinations and other treatments for your pet upfront, so you don’t have to break the bank. Contact us today to learn more about our vet bills loans.

Car Repairs

If you’re newly employed and rely on your car to get you to work, then making sure it’s running smoothly is essential. With a loan, you can use the money to cover any repairs or maintenance needed for your vehicle. Contact us today to learn more about our car repair loans.

Travel Loans

As a newly employed person, you may have the opportunity to travel and explore the world. Travelling can be expensive, but a travel loan can help you cover the cost of accommodation and other travel expenses upfront. This way, you can make the most out of your trips and look forward to a new adventure.

Medical Loans

Unforeseen medical expenses can throw a wrench into any budget. With a loan, you can cover the costs of necessary medical care or treatments for yourself or your family members. Our loans for medical expenses are designed to help you in times of need.

Home Renovations

Home renovation loans can help you make the improvements that you want to your home without having to wait until you’ve saved up enough money. Whether it’s a new bathroom suite or a fresh coat of paint, renovation loans can help you turn your house into the home of your dreams.

Furniture or White Goods

Buying furniture or white goods for your new home doesn’t have to mean credit card debt! A furniture loan gives you the opportunity to purchase items for your space without breaking the bank. Plus, you can spread out payments in a way that fits perfectly into your budget.

Unexpected Emergencies

Life is unpredictable, and sometimes you may need to cover emergency costs that weren’t a part of your budget. Emergency loans at City Finance can help you cover the cost of these unexpected expenses, so you can focus on getting back on your feet.


How much can I borrow?

The amount you can borrow for a loan as a newly employed individual will depend on the type of loan and your credit score. At City Finance, we offer loans from as low as $500 to as high as $5,000.

How long after changing jobs can you get a loan with City Finance?

You can apply for a loan with City Finance anytime after finding employment. Our loans are designed to help those who are recently employed and need quick access to funds.

How can I increase my chances of getting approved?

You don’t have to wait until you have been employed for an extended period of time before applying for a loan. However, the best way to increase your chances of getting approved is by ensuring that you have a good credit score and can prove your income by providing pay stubs or other evidence.

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