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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.

Online Loans

Looking for a online loan? Secure a loan in 3 simple steps!
  • Bad Credit 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
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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%.

Need some extra cash? You may be considering taking out a loan online. This can be a great option if you need money quickly and don’t want to go through the hassle of dealing with a bank. Whether it’s a personal loan or a cash loan, you can easily get one as long as you have a good credit history. However, there are some things you should keep in mind before you take out an online loan. Online loans, fast cash loans, or personal loans can be a great option if you’re in a pinch and need extra cash.

At City Finance, we can help you get the money you need online quickly and easily. We’re here to help you through the process and ensure you get the best loan for your needs. We also offer bad credit loans, short-term loans, and small loans so that we can help you with your needs. Below are the steps you need to go through to get an online loan with City Finance:

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Online application

If you’re interested in getting an online loan with City Finance, the first step is to fill out our online application. This will give us some basic information about you and your financial situation. We need this information to determine your eligibility for a loan and how much we can lend you. We can even help you with a cash advance loan or payday loans if you need them.

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Once we have your online application, one of our representatives will give you a call to discuss your loan options. We’ll review the loan terms and answer any questions you may have. If everything looks good, we’ll move on to the next step.

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Once you’re approved for a loan, we’ll work with you to get the money you need as quickly as possible. We understand that when you’re in a tight spot, you need cash fast. That’s why we work quickly and efficiently to get you the money you need. You can get the cash by the end of the day. You just have to make arrangements for when you plan to pay, whether it’s every week, every fortnight, or every month. Loan repayments are essential, especially for unsecured loans and quick cash loans. Therefore, you need to prioritise them once you apply for a fast cash loan, a payday loan, a small loan, an unsecured personal loan, and all other variations of an online loan.

What Are Online Loans?

Online loans are a type of unsecured loan, which means that the loan is not backed by any collateral. Online loans are also a popular choice for people with bad credit, as they may be able to get approved for a loan with less-than-perfect credit. Online loans can be used for various purposes, including consolidating debt, paying off medical bills, or making a large purchase.

Applying for an online loan is typically quick and easy. You can apply for a loan online in just a few minutes, and you may be able to get approved for a loan in as little as 24 hours. Once approved for a loan, the money can be deposited into your bank account as soon as the next business day.

Repaying an online loan is typically easy as well. Most online lenders will set up automatic payments from your bank account, so you don’t have to worry about making a payment each month. And, if you ever need to make a late payment or skip a payment, most online lenders will work with you to ensure that your loan is still affordable.

Am I Eligible for an Online Loan?

To determine if you are eligible for an online loan, most lenders will consider the following:

  • Your credit score
  • Your employment history
  • Your current income
  • Your debt-to-income ratio

You will likely be eligible for an online loan if you have a strong credit score, a steady income, and a low debt-to-income ratio. Lenders will also consider your employment history to determine if you are a responsible borrower. If you have a steady job and a good income, you should be able to qualify for an online loan.

What Supporting Documents and Information Do We Need to Process Your Online Loan Application?

To get started, we’ll need some information from you. Our online loan application will ask for the following:

  • Your name
  • Your address
  • Your phone number
  • Your email address
  • Date of birth
  • Social Security number (or individual taxpayer identification number)
  • Employment information
  • Income information
  • Assets and liabilities

Supporting documentation may be required for particular items on your online loan application. For example, you may need to provide the following:

  • Proof of income (recent pay stubs, tax returns, W-21 form)
  • Bank statements or other asset information
  • Borrower’s authorisation permitting us to pull a credit report

Once we have all the information and documentation we need, we’ll be able to process your online loan application quickly and efficiently. We’ll review everything and let you know if you’re approved for a loan. If so, we’ll also let you know the terms of the loan so that you can make an informed decision about whether or not to accept it. We do also consider loan applicants for people on Centrelink benefits.

What Can I Use an Online Loan For?

You can use an online loan for the following:

Car Repairs

Owning a car is a great way to get around, but it also comes with a lot of responsibility. Even if you’re regularly maintaining your car, problems can happen. The cost of car parts and mechanics typically runs relatively 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 car repair loan. We can work with you to find a loan that fits your needs and budget. Don’t let a lack of funds keep you from getting the necessary car repairs. Contact us today to learn more about our car repair loans.

Medical Loans

Even the best healthcare system in the world can leave you with some out-of-pocket costs when it comes to medical expenses. Things like deductibles for chiropractors, medications or ambulance services can add up quickly. If you find yourself in a situation where you need medical attention but don’t have the funds available, we can help. Our loans for medical expenses are designed to give you the financial assistance you need to get the care you need. We understand that unexpected medical costs can be a burden, and we’re here to help ease that burden. So if you’re facing unexpected medical expenses, don’t hesitate to give us a call. We’re here to help.

Furniture or White Goods

A furniture loan could be the ideal solution if you need furniture or white goods but can’t afford to pay for them upfront. With a furniture loan from us, you’ll own the goods outright, meaning you won’t have to keep paying rent on them indefinitely. This can work out much cheaper in the long run, as well as giving you the peace of mind that comes with owning your own belongings. Our loans are also much more flexible than many rental agreements, so you can choose a repayment plan that suits your budget and needs. To find out more about our furniture loans, please get in touch. We’d be happy to advise you further.

Unexpected Emergencies

At City Finance, we understand that unexpected emergencies can arise anytime, and you may not have the cash to cover them. That’s why we specialise in getting cash to our customers as quickly as possible so they can take care of any emergency costs they require. Our emergency loans are specifically designed to help you cover the costs of unexpected expenses, whether it’s a broken down car, an unplanned bill or something else entirely. So, if you find yourself in need of some extra cash to cover an emergency cost, make sure to check out our emergency loan options at City Finance. You’ll be glad you did.

Vet Bills

Pets are important family members for most people, so when they get sick it is imperative to take them to the vet to sort out the problem. Vet bills can be costly, and if you don’t have the money on hand, a quick cash loan can help. At City Finance, we understand that you need to act fast when your pet is sick. That’s why we offer loans for vet bills, so you can get the treatment your pet needs without delay. Our application process is quick and easy, and you can have the cash you need in no time. So don’t wait – if your pet needs medical treatment, contact us today.

Home Renovations

Home renovations can be a great way to add value to your property. However, they can also be expensive and time-consuming. A home renovation loan can be a great option if you don’t have the cash to pay for renovations. Home renovation loans are designed specifically for homeowners who want to finance their home improvement projects. These loans can be used for everything from minor upgrades to major renovations, and they offer several benefits, including:

  • Flexible repayment terms: Home renovation loans typically have shorter repayment terms than other types of loans, which means you can get your house back in shape more quickly.
  • Competitive interest rates: Home renovation loans usually come with competitive interest rates so that you can save money on your project.
  • No prepayment penalties: Many home renovation loans have no prepayment penalties so you can pay off your loan early without penalty.

If you’re considering undertaking a home renovation project, a home renovation loan can be a great way to finance it. Contact us today to learn more about our home renovation loans and how we can help you achieve your goals.

Travel Loans

A travel loan can be a great way to finance your next vacation, whether you’re planning a trip overseas or a local getaway. There are a few things to consider before taking out a loan for travel, such as the length of the trip, the cost of airfare and accommodation, and whether you’ll need to take out additional insurance. Once you’ve considered all these factors, you can compare travel loans from different lenders to find the best deal. Make sure to read the fine print and understand the repayment terms before signing on the dotted line. With some research and planning, a travel loan can help make your dream vacation a reality.

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