Same day loans

Looking for a same-day loan? Secure a loan in 3 simple steps!

There are many scenarios where you need money instantly: perhaps an unexpected bill has popped up or you’ve had the misfortune of needing money suddenly for an emergency requirement. If you find yourself in a situation where you require money instantly, we can help you eliminate stress with a same-day loan.

Of course, loans were created for situations where money is needed, but many financial institutions will require an applicant to jump through many hoops – like lengthy meetings, intensive paperwork and tedious waiting times. We offer loans across Australia – including BrisbaneSydneyMelbournePerth and Adelaide.

At City Finance we understand that some expenses are urgent, and must be paid immediately. For this reason, we’ve perfected our lending methods to be able to offer money to potential borrowers on the same day that they apply for a loan. Our application process takes just a few minutes and our friendly team are experts in approving and funding loans, fast.

With our same day cash loans, you can apply for a loan and have the money in your bank account – quite literally – that same day.

In fact, the whole process is as easy as 1 (online application), 2 (confirmation), 3 (money funded).

Here’s a quick rundown on how you can get fully funded in a short amount of time with minimal hassle.


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 same day loans?

Same day loans are personal loans that are offered for people in a situation where they require money immediately. A same day loan means that the application, approval process and transfer will all be done within the same day – and the money will also be received in your bank account that same day.

The amount of time loans take to process and approve can be a huge spanner in the works for those who require money instantly. In these situations, the applicant’s usually won’t have the ability to wait days (or weeks) for the entire process to be completed, and for the money to be received.

A credit check can play a part in slowing down the process of a loan. Credit checks are when a lender looks into your borrowing history and determines your credit score. If your score isn’t excellent, the borrower may be faced with many questions from the lender and the approval process can be dramatically slowed down.

Our friendly lenders will access your personal circumstances to determine your eligibility. With a same day loan at City Finance, you can relax knowing that if you’re approved, you will have cash in your bank account within a matter of hours.


Am I eligible for a loan?

Unlike some bigger banks and large lending institutions, we are very flexible about who we deem eligible for same day loans. As long as you’re 18 or older, and have some form of consistent income (this can be income from a job or a form of government benefits), then you’re likely eligible. Aside from this, then the only other information we’ll require is for some supporting bank statements along with a copy of your ID and a short online application form. Already a customer? Apply for a no credit check loan here.


What supporting documents and information do we need to process your pensioners & disability loan application?

At City Finance the process of applying for a same day 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
  • 90-day history of bank transactions
  • Proof of income (Eg a payslip or Centrelink income statement)


How City Finance can help borrowers looking for same day loans


Trusted lending institution

City Finance has been a leader in the lending industry for over two decades. Over the past twenty or so years, we’ve helped out thousands of Aussies who’ve needed to borrow money from somewhere credible. Our positive reviews speak for themselves, we’re an institution that can be trusted when it comes to borrowing money.


Our loans are fast

In many cases, if a loan can’t be paid immediately, the entire point of the loan may be futile. We understand how important it is to get the money to our clients quickly. Our team is well versed in approving loans quickly and processing the money fast. Plus, our application process is extremely straightforward and only takes a couple of minutes.


Inclusive lending

We believe that just because you may not be a perfectly desirable applicant for a loan, it doesn’t mean that you should be discriminated against again and denied. Whether you have a bad credit history, no credit history, are unemployed, have a low income or are a pensioner, we still believe that you should be able to borrow money. Rather than judging our clients by a computer-generated checklist, our team members will access each application separately and decide how much the applicant is able to borrow based on their personal circumstances. Learn more about our bad credit loans here.


Flexible loan terms

Almost all personal loans are different – people need money for different reasons, different amounts are required and the clients may have different repayment abilities. For this reason, we can tailor-make a loan to suit your personal criteria specifically. We offer cash loans between $500 and $5000, have flexible repayment schedules, and can set repayment lengths anywhere between 12 weeks and 52 weeks. Unlike many other loan providers, we are also able to offer loans for people on Centerlink.


Loan repayments made simple

If you’ve ever had a loan before, you’re probably familiar with the dreaded term: late payment fee. This is pretty self-explanatory but is a fee that practically all financial institutions will charge if a payment is made past the due date. We help our customers avoid this by arranging a direct debit so that their repayment automatically comes out of their nominated bank account on the due date. Learn more about our payday loans here.

Plus, we don’t charge any fees if you repay your loan early.


Flexible arrangements

We understand that sometimes unexpected situations arise and our clients aren’t able to meet their repayments. That’s why we have a system in place to help them, should this happen. If you’re unable to meet a repayment, simply get in touch with a member of our team and they’ll help put together a contingency plan.


What can I use a same day loan for? 


Car Repairs

For many people, they can’t go about their daily life without a car. If you have an issue with your car and you don’t have enough cash to cover the price of fixing it, we can help with a same day cash loan so that you can get back on the road ASAP. Read more about our loans for car repairs here.


Medical expenses

Medical expenses are usually unexpected, and payment for the treatment or medicine will often be required immediately. In situations like this, we can help by offering a same day loan so that you can get the help you need, quickly. Read more about our medical loans here.


Rental bond

Rental bonds are usually agreed upon ahead of time. However, we all know that moving can get expensive and incur unexpected costs. If you end up dipping into your rental bond to cover moving costs, don’t worry. Our cash loans can help you instantly get money to cover the rental bond, and you can pay off your loan gradually. Read more about our loans for rental bonds here.


Unexpected emergency

Unexpected emergencies can come in many forms and are the prime example of why same-day loans are so important. Emergencies will often require immediate payment, and they usually won’t be budgeted for. Our same-day loans can quickly cover the cost of the emergency. Read more about our emergency loans here.


Vet bills

Vet bills can be costly, and if your pet is in a dire situation, they’ll need help ASAP. Affording the cost is additional stress that you don’t need on your shoulders. Instead, get in contact with us to instantly cover the costs of the treatment so that you can focus on helping your pet get better while we focus on managing bills. Read more about our loans for vet bills.


Home renovations

Home renovations are usually thought out – but home damages, like a burst faucet, broken electrical circuit or caved roof, aren’t. If you have a problem with your house that you need to fix fast, a same-day loan can be the perfect answer. Read more about our home renovation loans.


Travel loans

Sometimes life gets overwhelming, and the only answer is to preserve your own sanity by heading off on an impromptu getaway. If you find yourself in the situation, but don’t have the funds to cover the trip, we can help instantly with a same day loan. Read more about our travel loans here.


Dental costs

It’s no secret dentist visits are a drag, plus you’re often slapped with a bunch of unexpected costs for treatments that you didn’t realise you needed. If you’ve got your dental bill and it’s much more than you can budget for, we can help with a same day loan.


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
Google Reviews


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
Google Reviews


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
Google Reviews


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
Google Reviews


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
Google Reviews