Single parent loans

Are you a single parent looking for a loan? Secure one in 3 simple steps!

While the joy of raising a kid is priceless, the monetary cost certainly is high. This is especially true when there aren’t two parents to share the cost load of raising a child or children. Kids incur countless costs: from the price of nappies and schooling to the cost of medical treatments and food, raising a child can be a significant strain on income, even when two salaries are factored in.

In fact, an Australian study found that the average cost of raising two children from when they’re born until they turn 18 is between $800,000 and $1,000,0000. Of course, when raising a child, unexpected costs are also extremely common. We offer loans across Australia – including BrisbaneSydneyMelbournePerth and Adelaide.

Because of this, many parents – especially single parents – can find themselves in a position where they aren’t able to cover the costs of something their child needs. For this reason, we’ve created a loan aimed to support single parents, aptly called ‘Single Parent Loans’.

We work to approve these personal loans quickly so that single parents are able to receive the cash they need to help their children. 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 single parent loans?

Single parents loans are pretty self-explanatory: they’re personal loans for sole parents with children designed to help cover the costs of the child’s upbringing. Between tuition, medical costs, general day-to-day expenses and inflated bills, raising a child can be expensive: especially on a single salary.

Thankfully, the Australian government has recognised the financial strain placed on single parents and implemented a program called the family home guarantee scheme. This home loan deposit scheme initiative allows single parents to be approved for home loan with a very small deposit amount.

However, any parent knows that the cost of raising children extends much further than just the costs of housing them. This is where our loans for single parents come in. If a single parent is struggling with costs – aside from a mortgage – associated with bringing up a kid or kids, then they can receive assistance through loans for single parents. With these loans, we offer a loan amount between $500 and $5000 over 12-52 weeks.

Am I eligible for a single parent loan?

If you’re a single parent then you’re probably eligible for a single parent loan with us. We do aim these loans to assist single parents only, so if you don’t recognize as one, we have plenty of other small cash loans to choose from.

As for the eligibility for single parent loans, aside from being the lone caretaker of a child or children, you’ll also need proof of income (this can be in the form or a salary of as government benefits), ID and some supporting bank statements.

Unlike many lenders, we consider applications for the following:

What supporting documents and information do we need to process your single parent loan application?

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

  1. A copy of your ID
  2. A short application form with details such as your address and phone number
  3. 90-day history of bank transactions
  4. Proof of income (Eg a payslip or Centrelink income statement)

Been approved for a loan with us before? You may qualify for a no credit check loan.

How City Finance can help borrowers looking for single parent loans

Inclusive lending

It’s commonly known that some bigger banks and financial institutions only grant loans to “perfect” applicants. Their idea of perfect often means a flawless, detailed lending history and a stable income from the same job over a long period of time. We don’t agree with this. We think everyone should be given the chance to borrow money, so we offer loans to customers in many different circumstances. Whether you’re on Centrelink, have a bad credit history or are newly self-employed, we can help. Read more about our bad credit loans.

Quick application & approval process

A common frustration that many borrowers find, is that they must spend a lot of time applying for a personal loan and supplying the supporting documents. When you’re a single parent, who has the time for this!? We get it. That’s why our application process is succinctly whittled down to a few minutes, and our team is trained in approving the loans fast. In many cases, our customers will have the money in their bank account the same day that they apply for a loan.

Flexible terms

We don’t offer a one size fits all type of loan at City Finance. We understand that each individual situation is different, and may require a different loan. We offer loan amounts between $500 and $5000 and loan repayment terms between 12 weeks and 52 weeks. So, we can tailor a loan to fit your circumstances perfectly. We also don’t charge any early repayment fees. Get more information on how a payday loan works.

We’re a trusted lender

With over two decades of experience lending to thousands of Australians, we are a reputable company. When applying for a loan with us, you’ll speak to a real person, rather than an automated phone system or using a faceless computer system. A member of our friendly team will chat with you about your circumstances and determine a loan that works best for you.

Easy repayments

As a single parent, life can get very busy, and it can be easy to forget things like what date a payment is due. At City Finance we’re committed to helping make our customers’ lives as easy as possible. This is why we’ve implemented an automatic repayment initiative. This works by automatically deducting the loan repayment amount from your account on its due date – removing the hassle for you.

We’re understanding

At City Finance we know that life happens. When you have a child, they’re your priority and an unexpected cost for them may arise that can’t be avoided. If you find yourself in this situation, don’t worry. Just get in contact with a member of our friendly team and they’ll work out a contingency plan for repayments that suits you.

What can I use a single parent loan for? 

Unexpected Medical Bills

Between their inquisitive nature and their growing bones, the reality is that accidents tend to happen with kids. Even though health care in Australia is great; many costs can arise that aren’t covered by the health care system, like medications, specialists and dental appointments. If you’re struggling to cover these costs you can receive a single parent loan from us to help. Learn more about our loans for medical emergencies.

School bills

School uniforms, camps, books and tuition are only four of the countless costs of schooling a child. A kid who attends school from kindergarten to year 12 will spend fourteen years in education. Those costs are doubled if there are two kids and so on and so forth. The point is: schooling is expensive. So, if you’re a single parent and are struggling to cover the costs of educating your child, you can obtain a single parent loan with us and pay the balance off gradually.

Child support payments

The costs of raising a child don’t only come in the literal costs of physical items, like nappies and school books, but they can also come in the form of child support payments. If you’ve had an unexpected situation arise that restricts you from meeting your child support payments, you can get a single parent loan with us to cover costs.

Day to day care of your kids

Most parents will know that barely a day goes by where a child doesn’t need something that costs money. Whether it’s new shoes, extracurricular activities or a birthday gift for a friend, day to day costs add up. If you’ve found yourself in a situation where you don’t have enough cash on hand to cover these costs, you can quickly apply for a single parent loan with us and receive money quickly, so you’re not left in the lurch.


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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