Online Loans

Looking for a online loan? Secure a loan in 3 simple steps!

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:


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 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.


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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