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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.

Short Term Loans Australia

Looking for a short term loan? Secure a loan in 3 simple steps!
  • Same Day loans 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%.

Are you looking for a way to finance your short term goals but not sure which option is right for you? Short term loans are becoming increasingly popular in Australia due to the flexibility and benefits they offer to borrowers. Whether it’s consolidating debt, financing an upcoming vacation or taking out a loan to cover unexpected expenses, this type of loan can be a great solution for individuals who need quick access to cash. But before you take out a loan, it’s important to understand what they are and how they work. This will help you make the best decision for your financial needs.

How to Apply for a Short Term Loan With City Finance?

At City Finance, we understand that life can be unpredictable and things don’t always go as planned, which is why we offer this type of flexible loan option. Our online application process is designed to be stress-free, and our friendly team are here to support you every step of the way.

Below are steps that can take you through the entire loan process with City Finance:

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Online application

Applying for short term loans with City Finance is an easy process – all you need to do is fill out our online application form, providing a few details about your finances and yourself. We use this information to assess your eligibility for a loan as well as how much cash we can lend you. Whether it’s short term cash loans, payday loans, or even cash advances, we have all the services you need.

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Applying for instant cash loans doesn’t have to be a hassle – our representatives are here to help make the process as smooth and convenient as possible. Once you submit your online application, we’ll give you a call to review your loan terms and options. If everything looks good, our friendly team will move you through to confirmation, and you’ll soon have those funds in your account.

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You’ll be relieved to know that once you’re approved for a loan, we’ll do everything possible to get the money you need fast! We understand that borrowing money is a stressful endeavour and can take up quite a bit of time. That’s why our loan process walks you through getting cash by the end of the day – no need to wait around for days or weeks. Plus, loan repayments can be arranged according to your needs – whether it’s on a weekly, fortnightly or monthly basis – so you are never overwhelmed with paying back what you borrow.

What Are Short Term Loans?

Short term loans offer a quick way to borrow money from an online lender with minimal paperwork. These types of loans provide easy access to short-term financial relief for those looking for financing options. They are designed to be a fast solution, usually repaid in no more than a year or, sometimes, even weeks or months. This makes them popular among those dealing with any kind of emergency expense that needs to be covered immediately. Depending on the online lender you borrow from, you can access funds within the same day and get yourself out of a tight spot.

At City Finance, for example, you can get a short term loan approved in no time and receive the funds on the same day. The best thing about this type of loan is that they are fast and easy to access. You can apply online in minutes and have the money transferred into your account soon after. With this type of loan, you don’t need to make a long-term commitment and can simply borrow the money for a few weeks or months, depending on your specific needs. So knowing that you can access short term loans if you need them can give you peace of mind. You can also use these loans to bridge the gap between paydays or when you’re expecting a larger payment.

Am I Qualified for a Short Term Loans?

If you’re wondering if you can qualify for a short term loan, the answer is likely yes. With us, all that we need from you to determine eligibility is some proof of income and a valid form of identification. We also recommend submitting a few months of bank statements to grant us a more accurate assessment of your situation for us. The application process is relatively straightforward, requiring only a short online form on top of what was already mentioned before. So don’t be discouraged – chances are that if you meet these eligibility criteria, you’ll be able to get the short term loan that you need!

What Supporting Documents and Information Do We Need to Complete Your Short Term Loans Application?

At City Finance, we pride ourselves on making the process of getting a short term loan as simple and convenient as possible. Our online application form is intuitive, quick and easy to complete – but there are certain documents you’ll need when applying for a loan with us. This will help our team to process your application quickly and accurately.

Here’s what you need to provide when applying for one of our short term loans:

  • A copy of your ID
  • 90-day history of bank account transactions
  • Proof of income (Eg a payslip or Centrelink income statement)
  • A short application form with details such as your address and phone number

Having all the necessary documentation at hand will make the application process even smoother and faster, allowing us to approve your loan in no time at all. We understand that completing all this paperwork can be a chore, so it’s our mission to make sure you have access to cash fast, with minimal fuss.

What Can I Do With Short Term Loans?

Like any other loan, a short term loan can be used for many different purposes. Some of the most common uses for these loans include:

Home Improvement

Home improvement projects can be costly, so finding the right financing option is key. Fortunately, short term loans like personal loans are becoming increasingly popular for this purpose. These loans have many advantages over traditional bank loans, like lower interest rates and quicker processing times. And if you’re like most homeowners looking to make a home improvement, having access to the funds in a relatively quick and affordable way could be the best choice to get that project finished without straining your wallet.

Debt Consolidation

Paying down debt can be a daunting task, but if you’re able to secure a loan with a lower interest rate, debt consolidation can make the process much easier. Even if you don’t qualify for the lowest interest rates out there, consolidating your debt can still work to your advantage. This is because when you’re paying down several debts with high-interest rates simultaneously, every payment goes towards interest instead of being applied towards the principle.

Major Purchase

Making a major purchase doesn’t have to put your budget in jeopardy. Instead, consider taking out a short term loan; it’s essentially the same as an unsecured loan but with a shorter period of time to pay it back. That way, you can spread the cost of the purchase across a few months and make more manageable payments rather than having to pay for the entire purchase at once. This kind of loan could be ideal for a large purchase like a car, furniture, or vacation.

Emergency Fund

You’ve heard it before, but having an emergency fund can be essential to your financial success. A short term loan offers a simple way to get started if you don’t already have one – think of it as having that necessary safety net for yourself and loved ones during those unexpected moments life throws our way. Don’t wait until disaster strikes; make sure you’re ready with resources, just in case!

Business Expansion

With ambition and hard work, you can make your business vision a reality! But sometimes, it takes more than just driving to get things rolling. If you need an extra boost of funding for that amazing new location or upgraded equipment, don’t fret – with a short term loan at the ready, taking leaps in your business is easier than ever before. The thrill is real when it comes time for expansion; don’t let finances stop you from achieving even greater success!


When you’re planning your special day, the costs can add up quickly. But don’t let that stress you out – simply get a short-term loan to manage those hefty bills! Instead of having one big expense at once, make payments over time and keep things more manageable for yourself financially. Now there’s less worry about going into debt in order to have your dream wedding – it’s possible without breaking the bank account!


Planning a dream vacation can be so exciting, but it can also be a bit stressful, especially when you’re short on cash. Travelling doesn’t have to be expensive, though – a short term loan is one great way to help finance your next trip. With a loan, you can ensure your travel plans stay within your budget and spread out the cost of the vacation into manageable monthly payments. No matter where your wanderlust takes you, make sure to pick the payment option that’s best for you!

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