Personal loans for casual workers

Apply for a personal loan in 3 simple steps

A casual job is a role where an employer has offered an employee work, but there’s no agreed-upon schedule, and the hours can regularly change. Because of the temperamental nature of the role, a lot of financial situations classify casual workers of high risk when it comes to a loan, and will deny them on this basis.

At City Finance we are inclusive lenders, and we have small loans that are specifically designed to help casual workers. When a causal worker loan is applied for, our team will assess the application and reach out to the applicant to chat about their specific circumstances. During this discussion, they will work with the applicant to determine a loan amount and schedule that the borrower can comfortably meet. We offer loans across Australia – including BrisbaneSydneyMelbournePerth and Adelaide.

These loans are assessed and issued very quickly. Once the application is received, our team will work on it straight away. In many cases, our customers have received the loan amount in their bank on the same day that they’ve applied. Plus, the personal loan application process itself is simple and should take just a few minutes to submit. In fact, the whole process is 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 is a casual work loan?

A casual work loan is an unsecured personal loan that’s granted to casual workers. Unsecured personal loans don’t require any security or collateral, and the agreed-upon amount will be deposited directly into your nominated bank account so that you can spend it directly on your requirements.

We offer loan amounts between $500 and $5000 for our casual worker loans, and the repayment length options are between 12 weeks and 52 weeks. If you’re are able to pay your personal loan off early, unlike some other financial institutions, you won’t be charged any early exit fees or early repayment fees.

Most banks and lending institutions will calculate the risk that’s involved with borrowing to a potential customer, and if this risk is deemed high, the loan application will often be rejected. Things that cause lenders to deem a borrowers risk high include things like bad credit history, if the borrower hasn’t been in their job for long or the job isn’t steady (like causal work) or they earn a low income.

At City Finance, we are an inclusive lender, so even if a lender falls into the above listed category, we can probably still help. Once you finished your online application, a member of our team will reach out to you to talk about your current circumstances. They will work with you to figure out how much you can comfortably borrow, and discuss how you can meet these repayments.

Am I eligible for a personal loan for casual workers?

If you’re a casual worker, aged 18 or older and are able to provide us with proof of income and some supporting documents, then you’re probably eligible for a causal loan with us.

If you’re unsure of your eligibility please feel free to reach out to our customer service here.

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

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

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

Why choose City Finance?

Quick deposits, quick decisions

At City finance, we move quickly. We have an online application process, which should only take a few minutes to complete. From here, our team will work quickly to assess your application and will be in touch to discuss your circumstances. In many cases, our customers receive the money in their nominated bank account on the same day that they apply for a loan.

Inclusive lending

Unlike many other large financial institutions, we have very flexible eligibility criteria for our loans. Even if you have no credit history, a bad credit rating and/or are newly self employed, we may still be able to grant you a loan. We’ve approved loans to thousands of Aussies who have been turned away elsewhere.

Flexible repayments

We can tailor-design a loan to suit your situation best. One of our friendly team members will be in touch to discuss the best loan amount, repayment frequency and loan length for you.

Trusted lender

We’ve been lending to Aussies for over 20 years, and are a trusted, experienced and established lender. Our glowing reviews speak for themselves.

Hassle free borrowing

We’ve streamlined our entire loan process, to make it as simple as possible for our lenders. As well as having a quick application process, we also have an automatic direct debit system set up for repayments, helping you never to miss a payment again!

Flexible terms

We understand that life happens, and sometimes our customers will find themselves in a situation where they aren’t able to meet their agreed payment. If this happens, simply get in touch with a friendly member of our customer service team, and they will work with you to sort out a contingency plan that you can comfortably meet.

What can I use my casual worker loan for?

Car repairs

Car repairs are not only frustrating, but they’re expensive too. For many Aussies, it’s imperative that they have a vehicle in order to get to and from work. So, a car problem will usually have to be fixed immediately, and it won’t be possible to wait until next pay day. Our car repair loans get help your cover the costs of a car repair.

Dental bills

Anyone who’s had a bad toothache knows just how painful they can be. Often, a toothache can only be fixed with a visit to the dentist, which can be pricey. Plus, a regular check up at the dentist can help you avoid spending a lot more money down the track when problems escalate. If you’re in need of a dental visit but are low on cash, our unsecured dental loans can pay for the appointment, and allow you to pay the balance back gradually.

Medical bills

Taking care of your health is very important, but the costs of specialists, medication and consultations can get expensive quickly. If you’re in need of some medical assistance but are low on funds, you should never neglect your health. Instead, take out a medical loan and get the help you need.

Unexpected expenses

From time to time, unexpected expenses will pop up. This could be anything from a vet bill to a broken water faucet, and often these expenses will need to be covered immediately. Because they’re unexpected, it can be hard to know exactly how much money to put aside in a rainy day fund. If your savings don’t cover the cost of the unexpected expense, our emergency personal loans can help.

Gap bridging

Picture this: you’ve spent time slowly saving up money for a big ticket item that you’ve been excited to get – like a laptop or new iPhone – only to find out that you’re just short of the total. Rather than having to wait until the next pay day, you can secure your item now and bridge the extra amount by taking out an unsecured loan.

Travel costs

Are you overdue for a holiday but don’t have the funds to cover your dream getaway? That doesn’t mean that you shouldn’t be able to go and enjoy yourself. Why not take out a causal worker loan for travel with us and pay off the remaining amount while basking in your post-holiday glow?


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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