Loan types

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.

No credit check loans

Poor credit score? Secure a no credit check loan in 3 simple steps!

We can run no credit check loans for current customers only – but any new customer will need to undergo a credit check.

  • No Credit Check 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
  • Credit Amount
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  • 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%.

Even if you’re only vaguely familiar with personal loans, you’ll probably know that credit checks and personal loans come hand in hand. Pretty much all lenders for personal loans will run a credit check on you to decide if you’re “safe” to lend the money to before they approve your application.

So what happens if you’re pretty sure your bad credit rating will cause you to be denied a loan? You could try a bad credit loan, or, you could try an even easier alternative – a no credit check loan.

Just like the name sounds, no credit check loans mean that there will be absolutely no credit check ran on your credit history when the lender is making a decision on your application. Essentially, your credit score is irrelevant.

Because no credit check loans knock out the time require to complete a credit check, they are much easier and quicker than normal personal loans. Especially in comparison to a bank that requires a lot of paperwork and supporting documentation when lodging a loan application.

At City Finance our credit check loan applications are especially fast because our team concentrates on loans and loans only. At big lending institutions – like banks – the employees have multiple roles to complete and sometimes approving a loan can be pushed to the back and other things prioritised – lead to a longer wait time for your application. This is far from ideal if you need the cash in an emergency situation.

At City Finance, we’re in the business of approving personal loans quickly! Often, when a customer applies for a no credit check loan with us, they will receive the money that same day. However, some cases will need to be looked into, so these may take slightly longer than one day.

Regardless, the process is quick and you’ll usually receive the funds the same day that you are approved for the loan.

Not only is the approval process quick, but the application process is too. 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 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.

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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 send you an email confirming the approval. We’ll also get your bank details so we can send over the money.

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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 no credit check loans?

Generally, when anyone applies for a loan they will have a credit check ran to see their borrowing history. Credit checks tell the bank whether the customer is eligible to receive a loan from them or not.

Credit checks are a credit score that usually sits between 0 and 1000. This score takes into account your past lending, any defaults on your borrowing history, and any owing payments you have.

Without an established and spotless credit history, banks can be hesitant to grant personal loans to customers. In most cases, Australian banks will require a credit score of 700 or higher in order to approve a credit card or loan. If your rating is lower than 700 a bank may consider you “high risk”.

When taking out a loan it’s pretty much a sure thing that a credit check will be run to check your credit history. That is, unless you apply for a no credit check loan. This type of loan is very rare and not many companies offer them. No credit check loans are loans that do not require a check of your credit rating whatsoever.

We understand that a bad credit situation can happen. So, here at City Finance, we’re willing to offer loans to our customers without even running a credit check. This means that no matter what is on your credit record – whether it’s bankruptcy or a default – you’ll still be able to apply for our no credit check loan.

We believe in all-inclusive lending, that is why we are happy to lend to those who don’t want to run a credit check when applying for a loan.

Because each person’s circumstances are different we will individually evaluate your application, rather than running it through a checklist computer system that automatically rejects applications that don’t fulfill all of the pre-set requirements. Our friendly team members will take the time to chat with you and understand your personal situation.

Rather than running a credit check on an applicant, we will take into consideration their current situation and how they plan to pay the loan back and make the decision from there. We’ll typically be able to make this decision by looking at your bank statements, and current employment – or Centrelink benefits.

No credit check loans will be granted regardless of the customer’s credit score. Because of the risk involved with lending money to people without checking their track record of paying back the money, the interest rate tends to be slightly higher on no credit credit loans. However, the process is a lot more straightforward – and quicker – than going through a bank.

With these types of loans, you’re likely to receive the money in your bank a lot quicker than you would if you received a loan from a bank. Not to mention, a bank would not ever grant a loan without a credit check.

The speed of a no credit check loan is a huge perk of this type of financing. We understand that sometimes you need money straight away. With this type of loan, we can help you get the money in your hands very quickly so that you can take care of pressing matters.

It’s important to keep in mind that even if your credit score is mediocre – and there’s a chance a bank will approve you – it will probably take a bit of time for them to make a decision. This situation is not ideal if you need the money quickly for something urgent.

If you decide to go with a no credit check loan with City Finance we can break the payments up into instalments over a flexible amount of time (that is 52 weeks or less). These instalments will be automatically debited from your nominated bank account automatically so you don’t need to bother with the hassle of paying bills each week or fortnight.


Am I eligible for a no credit check loan?

Almost everyone is eligible for a no credit check loan. As long as you are 18 or over and can provide the documentation that we require, then you are eligible to apply for the loan.

Because the step of checking credit is removed, these loans are extremely fast to lodge and fast to approve. This means the money will be funded into your account very quickly.

We also grant bad credit loans to those with no credit history or those receiving Centrelink benefits. All we require is that our applicants be of age, be able to provide 100 points of identity and have some form of regular income.


What supporting documents and information do we need to process your Centrelink 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 a no credit check loan rating

We move quickly – once you submit your online application and chat with one of our friendly team members, you’ll get fast approval and a same-day cash deposit.

At City Finance we 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 loan. Because of this, things happen fast! You will chat with one of our friendly staff members shortly after submitting your online application and you’ll receive a fast approval as well as a same-day cash deposit.

Inclusive lending – traditional financial institutions, like the big banks, make the self-employed jump through a lot of hoops when applying for a loan. This can be frustrating and time-consuming. At City Finance we can streamline this process and allow for self-employed people to receive no credit check loans much easier and quicker.

We also grant no credit check credit loans to those with a poor credit history or those receiving Centrelink benefits. All we require is that our applicants be over the age of 18, be able to provide 100 points of identity, and have some form of regular income.

Loan specialists – as our team focuses on small loans only, we’re able to have flexibility with our customers. Our friendly employees can work with you to detail a repayment schedule that you can stick to.

When applying for a loan of any sort, it’s important to check the early repayment terms. A lot of financial institutions will still charge you interest for the entire term, even if you pay the loan off early, or they will charge a fee. At City Finance we have transparent terms which mean there will be no hidden fees or charges if you choose to make early payouts or extra repayments.

A trusted company – when you take out a loan with City Finance you can be comfortable in the legitimacy of our company. We have over 20 years of experience as an industry-leading lender and have helped thousands of Australians who were turned away from other lending institutions.

Unlike online loan applications with big banks, you are able to talk to a real person as part of your application. We will take into consideration your personal circumstance when deciding on the best loan option for you.

Easy borrowing – at City Finance, we’re not in the business of wasting time! Rather than fussing around with monthly transfers and bills, we can direct debit the payments from your nominated bank accounts at a frequency that suits you.

Flexible arrangements – our friendly staff are on your team and are happy to help your situations change and you are unable to meet your payments. If you find yourself in this situation, please just contact our customer care and they will work with you to nut out a contingency plan that will suit your needs and keep your life stress-free.


What can I use a no credit check loan for?

A no credit check 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.

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.

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.

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.

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.

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.

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.

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.

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.

No Credit Check Loan FAQs

Can anyone apply for a no credit check loan?

The short answer is yes, a log as you’re 18 or over then you can apply for this type of loan. No credit check loans are one of the most inclusive loans. You won’t need to jump through a heap of hoops just to be eligible to submit your application.

Will I definitely be approved for a no credit check loan?

As mentioned above, our loans are extremely inclusive. Of course, each application needs to be evaluated. However, the majority of our no credit check loans are approved.

How much can I borrow?

At City Finance we can offer no credit check loans from as little as $500 and up to as much as $5000.

How quickly can I get money if my account after I apply for my no credit check loan?

Often, when a customer applies for a no credit check loan with us, they will receive the money that same day. However, some cases require our staff to look into it a bit further, so this may take a little longer. Regardless, you’ll usually receive the funds the same day that you are approved for the loan.

What is a default on my credit account?

A default is a negative note on your credit report and drags your credit score low. Defaults happen when the amount owed is over $150 and the debt is more than 60 days overdue.

Can I apply for a no credit check loan if I have a default on my file?

Yes, most banks would automatically reject a loan application when an applicant has a default on their account. However, with our no credit check loans, what is on your credit history is irrelevant as a check won’t be undertaken.

Are no credit check loans the same as personal loans?

Yes, the type of loan associated with a no credit check loan is a personal loan. It’s a small amount of money that doesn’t require security and isn’t a business loan. A personal loan is a loan that’s borrowed from a lender, paid back in installments and can be spent on whatever you like.

No credit check loans are also known as payday loans. Payday loans are short-term unsecured loans. Because payday loans are quite low in value, they are normally granted quickly.

Can I apply for a no credit check loan if I have claimed bankruptcy?

Yes, bankruptcy is considered much more of a red flag than a default. Almost all banks will automatically reject a loan application when an applicant has a bankruptcy in their history. However, with our no credit check loans, your credit history isn’t looked into.

Can I check my credit score before applying for a no credit check loan?

Absolutely! In fact, we recommend doing this as it can help you better understand the types of financing that may be available to you. You can go ahead and check your own credit score online. However, it’s important to only use an established credit checker, some credit checks can affect your credit score negatively. You can find a tool to check your credit score here, this one will not impact your score.

How long will I have to pay my no credit check loan

The time frame of paying back your payday loan is flexible and can be tailored to fit your needs. The maximum time you’ll have to pay your loan is 52 weeks. If you choose this option, then your total amount will be every divided over the year. However, we’re able to do any time frame between 1 and 52 weeks, if you’d borrow the money for a shorter time.

How often do I have to make payments on my no credit check loan?

You can make either weekly or fortnightly repayments.

What happens if I’m not able to make a payment?

At City Finance we’re committed to working with your customers to make sure we can find a solution that suits you and make you happy. For this reason, we can be flexible if you are not able to make a payment for a specific reason. Simply, give our friendly team a call, and if you need to change a payment that’s within the term of your loan we can work with you to sort something out.

However, if you don’t let us know that you are unable to make a payment, we will have to charge you a dishonour fee.

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

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