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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.

Loans for Self-employed

Are you Self-employed? Secure a loan in 3 simple steps!

We are always upfront and transparent about our costs – no hidden fees or charges.

  • Loans for the unemployed up to $5,000
  • Fast Online Application & approval
  • Flexible repayment options
  • If approved – receive funds the same day!

Calculate your loan repayments

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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%.

There will always come a time when you need a little extra money. Maybe you have an unexpected bill, or you need to make a large purchase. If you are self-employed, getting a personal loan can be tricky. Banks and lenders often require extensive documentation and proof of income.

Fortunately, many online lenders now specialize in standard personal loans for self-employed individuals to help improve their financial situation. City Finance is one of these lenders, and we offer various personal loan options for self-employed people. With a low interest rate, even self-employed people or small business owners can confidently take out different loan amounts for their needs. Our process is simple and easy, and we can often get you the money you need in as little as 24 hours. Below is a quick rundown of our self-employed personal loan offerings:

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Online application

The online application for a City Finance loan is straightforward. You’ll need 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. The entire process should only take a few minutes, and you’ll be able to get an answer on your loan decision quickly.

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After receiving your information, a team member will call you to review your application. This is just a routine step to ensure everything is in order and we have all the necessary information. After we approve your application, we’ll send a confirmation email. We’ll also get your bank details to transfer the funds to you. Once everything is confirmed, you’ll be able to receive the money you need.

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Once you’ve been approved for funding, you should receive the money by the end of the day. However, most customers receive the money even sooner. With the funds, you’ll be able to spend the money on what you please. You must meet the contracted repayments (weekly, fortnightly, or monthly). To ensure everything goes smoothly, have your documents ready and easily accessible. If you have any questions, don’t hesitate to contact customer service. Remember that meeting your obligations under the contract is essential to maintain a good relationship with your funding source.

What Are Self-employed Loans?

Self-employed loans are a type of personal loan that is specifically designed for self-employed individuals. These loans can be used for various purposes, including consolidating debt, financing a large purchase, or covering unexpected expenses. Self-employed loans typically have higher interest rates than traditional personal loans, but they can still be a good option for people who need access to additional funds. Depending on the loan amounts, financial statements will also vary. Financial commitments must always be prioritized so that monthly repayments will not be missed. Make sure that you seek professional advice to avoid debt consolidation and to discuss things like a fixed rate home period and a variable interest rate.

Am I Eligible for a Self-employed Loan?

The process of qualifying for a self-employed loan is different from that of a traditional loan. When you’re self-employed, you don’t have the same documentation to show lenders that borrowers who receive regular paychecks do. This doesn’t mean you can’t get a loan, but it does mean the process is a bit more complicated.

This is because lenders rely on things like tax returns to verify your income. If you’re self-employed, you probably don’t have any of those things. So how do lenders know if you can afford a loan? There are a few things self-employed people can do to get approved for a personal loan:

  • Build business credit: One way to make yourself more attractive to lenders is to build business credit. This is separate from your credit, and it’s a record of how well you’ve managed your business finances. To build business credit, you must use a business credit card responsibly. You should also make sure you’re paying all your bills on time.
  • Provide documentation: Another way to show lenders you’re a good candidate for a loan is to provide documentation of your income. This can be things like bank statements, invoices, or tax returns. Lenders will use this information to verify your income and get an idea of how much money you make.
  • Get a co-signer: If you’re having trouble getting approved for a loan on your own, you can always get a co-signer. This is someone who agrees to take on the responsibility of repaying the loan if you can’t do it. Remember that this is a big responsibility and should only be done with someone you trust.

These are just some of the things you can do to get approved for a self-employed loan. Remember that each lender has different requirements, so it’s essential to shop around and find the right one.

What Supporting Documents Do We Need to Process Your Self-employed Loan Application?

If you’re self-employed, you know that getting a loan can be difficult. The good news is that at City Finance, we understand your situation and can help get you the funds you need. Whether it’s for a new car, home improvements or anything else, we can provide self-employed personal loans quickly and easily. Below are the documents you’ll need to provide when applying for a self-employed loan with City Finance.

  • Your most recent tax return
  • A Profit and Loss statement from your business
  • Bank statements from the last three months
  • Personal identification (e.g. driver’s license or passport)

If you have any questions about the documents required for your self-employed loan application, our team of experts will be more than happy to assist you. Contact us today, and we’ll help get you the funds you need.

What Can I Use a Self-employed Loan For?

A self-employed loan can be used for the following:

Furniture & White Goods

Furnishing a house can be expensive, but it doesn’t have to be. Our furniture and white goods loans can help you afford your home essentials, and you can pay that amount off gradually over the loan terms. We can offer small cash loan amounts between $500 and $5000 to help you afford your home essentials, and you can choose the loan term that best suits your needs. Whether you’re looking for a new bed, couch, dining table or washing machine, we can help you get the funding you need. So don’t wait any longer, apply for a furniture and white goods loan today!

Car Repairs

Car repairs can be a significant financial burden, especially when they happen unexpectedly. For many people, a car is essential for getting to work or running errands, so being without a working vehicle can be a real inconvenience. One solution for covering the cost of unexpected repairs is to take out a car repair loan. These loans are designed to provide quick access to cash, so you can get your car fixed and back on the road as soon as possible.

In addition, car repair loans are typically unsecured, which means they don’t require collateral like a traditional auto loan. As a result, they can be an excellent option for people who don’t have savings or credit history to qualify for other types of financing. If you’re facing an unexpected car repair bill, a loan could be the solution you need to get your car up and running again.

Medical Bills

Australians are privileged to have free and comprehensive healthcare from the public health system, which could include features such as surgery, hospital stays, GP visits, and some specialist care. While our healthcare system has many great attributes, there are also several expensive aspects not covered by insurance that can leave you in debt.

Often, medical care is expensive and can be difficult to afford when the costs are not anticipated. Also, treatment sometimes cannot be delayed. When you need care, you usually need it right away and will have to pay for the associated expenses immediately. Therefore, you can benefit from a medical loan from us to cover your medical bills. As a bonus, our medical loans come with low interest rates and flexible repayment options to suit your needs. You can rest assured that you’re getting the best possible deal when you choose us for your medical loan needs.


For many couples, a wedding is the most special day of their lives. It is a joyous occasion celebrating the love and commitment between two people. However, weddings can also be very expensive, often costing thousands of dollars. If you are hoping to finance your wedding with a personal loan, we can help.

Our wedding loans range from $500 to $5000 and can be used to cover the cost of food, music, photos, flowers, and more. So whether you need a little extra money to complete your budget or you would like to finance your entire wedding, we can provide the financial assistance you need.

Home Renovations

Home renovations can be a major expense, but they can also add significant value to your home. Our home renovation loans can help you cover the costs if you’re considering taking on a renovation project. Our loans are designed to help homeowners with money to fix up their houses. Whether you’re looking to update your kitchen or bathroom, or you need to make repairs due to damage or wear and tear, we can help you get the funding you need.

In addition, our loans can be used for emergencies that require immediate attention. So if you have cracks in your foundation, a broken faucet, or electrical problems, we can help you get the money you need to make the repairs. With our home renovation loans, we can help you make your vision for your home a reality.


If you’re looking to finance a holiday, City Finance offers unsecured personal loans that can be used for anything travel-related. Whether you’re looking for plane tickets, hotel accommodations, tours, or even just some new luggage, our travel loans can help you get there. And because they’re unsecured, you won’t need any collateral or security when applying. So if you’re ready to escape the everyday and explore something new, apply for a City Finance travel loan today.


Losing a loved one is, without a doubt, one of the most challenging experiences you will have in your lifetime. The grieving process is emotionally straining. If you are responsible for organizing the funeral, the added stress can be too much to bear – especially if you do not have the financial means to give them the send-off they deserve.

At City Finance, we understand how important it is to honour your loved one in a way that feels right to you. That’s why we offer funeral loans that can be used to cover any related expenses. Whether you’re looking to pay for a large celebration of life, an intimate burial or already have a savings fund and just need a small amount to cover additional costs, we can help.

During this difficult time, let us take care of the financial burden so that you can focus on what’s most important – honouring the memory of your loved one.

Vet Bills

Pet owners are all too familiar with the unexpected cost of a vet bill. Whether it’s an annual check-up or an unforeseen surgery, the bill can quickly add up to hundreds or even thousands of dollars. And, since most vets require payment before treatment, pet owners are often left scrambling to come up with the money.

For those in a tight spot, taking out a vet bills cash loan may be the best option. At City Finance, we can work with those with bad credit history or low credit scores. And, because the loan is paid back over time, it’s easier to manage than a large lump sum.

So, if you’re facing unexpected vet bills and don’t know how you’ll come up with the money, consider taking out a small cash loan. It may be the best way to get your beloved pet the care they need.

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