By amount

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.

Loan types

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.

Small cash loans

Apply for a small cash loan in 3 simple steps!

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

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

Calculate your loan repayments

Your loan amount
  • Credit Amount
  • +
  • Credit Costs
  • =
  • Total Payable
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%.

Your car won’t start. Your phone screen breaks. Your dog’s running a temperature and looks unwell. The fix to all of these situations is likely to cost you a fair bit of money.

Unexpected bills pop up where you need money urgently. Quite often people won’t have enough money on hand for an emergency expense. However, some situations can’t wait until the next payday. This is where small cash loans come in.

If you’re in need of some quick cash flow, we can help. Our application is quick and simple. It takes just five minutes to fill in our online application form. The approval process is also very quick and once your application is approved, you can have the money in your bank by the end of the day.

What are you waiting for? If you’re in need of some quick cash, our application form is just a click away. In fact, it’s as easy as 1, 2, 3, as you can see below.

City Finance dollar time watch icon

Online application

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.

City Finance click fingers icon


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.

City Finance cash bag icon


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 small cash loans?

A small cash loan is a small amount of money that’s loaned – usually over a small amount of time. Small cash loans are designed as a quick way for an applicant to receive a small amount of money. These types of loans aren’t secured against something as collateral like secured loans are.

Typically, small cash loans are used for an important expense that’s popped up and needs to be taken care of quickly. Because small cash loans are usually applied when there’s an urgent need for cash, we make sure these types of cash loans are assessed and approved as quickly as possible.

Our application process is very quick – in fact, it generally takes less than five minutes to apply. After this out approval process is fast too. Once approved, you can normally receive the funds in your bank that same day.


Am I eligible for a small loan?

Yes, as long as you are aged 18 or over, and can supply the supporting documents we require (like bank statements and your ID), then you’re eligible for a small cash loan.


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

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


How City Finance can help customers with a small cash loan application

Generally people applying for small cash loans will need a small amount of cash quickly. At City Finance we understand this and can grant loans quickly. Our application and approval process are both straight forward, simple and quick.

Our friendly team members are extensively trained in making sure things happening quickly and correctly. To receive a small cash loan all you’ll need to do is spend a couple of minutes filling in a brief form and providing a small amount of supporting documents.

From here, our team will quickly assess your application, then they’ll be in touch with you for a quick chat. If your loan is approved, you can get a same day cash deposit.

We’re also very flexible with loan repayment options. Everyone’s circumstances are different, so we work to tailor fit a loan amount, repayment schedule and repayment terms that will suit your specific situation.

We don’t just have blanket schedules and terms that every applicant must abide by. We take your personal circumstances into account when deciding the best schedule and amount for you.

Even if your lending history (or lack thereof) means you’re not a 100% perfect candidate for a loan – according to other lending institutions – we can still help. At City Finance we pride ourselves on helping as many applicants as we can.

This means if you have a bad credit rating, are on Centrelink, are self employed or have low income, we’ll still work with you to help approve your loan. We’ve helped thousands of Aussies that have been rejected by other lending institutions, to receive small loans.

City Finance is a highly respected lending company in Australia. We have an excellent track record with lending to thousands of people. Our stellar reputation is only exceeded by our friendly and helpful team.

Rather than dealing with a faceless computer system that will determine your eligibility, you’ll still talk with one of our friendly, experienced and trustworthy employees that can talk you through the process and consider your personal circumstances when assessing your application.

We also take the hassle out of repayments. Rather than having to set reminders for repayments and risking a late repayment fee, we’ve streamlined the process by setting up a direct debit system. Our system will debit your payments from your account when they’re due – making your life easier!

Of course, we know that life can throw curve balls and your situation may change. For this reason we take pride in our flexibility with our customers. If your personal situation changes and you are unable to make a repayment for any reason, just get in touch with our friendly team who can help to work out a contingency plan that will suit your needs and keep your life stress-free.


What can I use a small loan for?

A small cash advance loan can be used for basically anything, but here are some examples of why you may need one.

Car Repairs

Even if you’re regularly maintaining your car, problems can happen. The cost of car parts and mechanics normally runs quite high. If you don’t have a pool of money available to cover the costs and get yourself back on the road in the case of a breakdown, contact us for a loan.

Medical expenses

Even with the great healthcare system that Australia has, there can still be a lot of out-of-pocket expenses that may arise. Think: a deductible for a chiropractor, medications or an ambulance. If you need medical attention and don’t have enough money available, then we can help.

Rental bond

A bond is a huge cost – it’s usually in the thousands of dollars – and can be a frustrating expense on top of all the other expenses moving house costs. Rather than paying it in a lump sum, you could contact us for a small cash loan to cover the rental bond and pay a small amount out of your weekly pay packet at a rate you are more comfortable with.

Furniture or white goods

If you’ve ever looked up rental white goods and furniture you’ll know that they are both extremely expensive. If you can’t afford these things upfront, rather than renting the goods and essentially throwing the money away, you can take a loan with us and own the furniture and white goods.

Unexpected emergency

Unexpected emergencies can arise at any time and you may not have the cash to cover them. At City Finance we understand the urgency of unexpected costs. So, we specialise in getting cash to our customers as quickly as possible so that they can take care of any emergency costs they require.

Vet bills

For most people, their pet is a member of their family. So when he or she gets sick, it’s imperative that they’re taken to the vet to sort out the problem. Vet bills can be very costly and need to be paid before your pet’s condition deteriorates. If you don’t have the money on hand we can sort out a quick, small cash loan for you and your pet.

Debt consolidation

A debt consolidation loan will let you move all of your existing debts over into one singular loan. We can issue this loan and help you move over all of your debts to us. This way you’ll pay fewer fees and your life will be a lot easier.

Home renovations

Whether you need to renovate, remodel or repair a home, a small cash loan from City Finance can help. It will give homeowners access to the funds they need to fix up their homes.

Travel loans

Travel loans can cover a range of things; from airfares to hotels and visas. Apply for a small cash loan with us and you can be one step closer to your next adventure.

Dental costs

While a smile is priceless, the price behind fixing a smile can be pricey! If you’re in need of some dental work but can’t afford the bill, then we’re able to help. A loan with us can be quickly approved and can help you get smiling again in next to no time.

Small Cash FAQs

How much money can I borrow?

At City Finance we can offer small personal loans from as little as $500 and up to as much as $5000.

How long will take for me to receive the money in my bank account?

In order to receive the cash in your bank account, you’ll need to fill in an application form which is then assessed by our team. Once the application is approved and we receive a signed loan contract back from you, we can go ahead and transfer the money straight away.

The whole process is very quick for most applicants. Applicants can receive the money in their bank account the same day that they apply for the loan.

Do I need a co-signer?

No. A co-signer is a second party who signs a loan contract and agrees to pay off the loan if the applicant isn’t able to. This is often required when applicants with bad credit apply for a loan. However, we don’t require this. Even if you have a bad credit score, you don’t need a co-signer to be approved. We access each application personally and take into account the applicant’s situation.

How long do I have to pay the money back?

The amount of time you take to pay back the loan can be tailored to fit your needs. The maximum time you’ll have to pay your cash loan is 52 weeks. If you choose this option, then your total amount will be split between that time. However, we can do any time frame between 1 and 52 weeks, if you’d like to pay off your cash loan sooner.

For example, If you took out a cash loan of $2500 over 30 weeks you’d pay $111 a week or $223 a fortnight.

Can I get a payday loan if I’m on Centrelink?
How is a small cash loan different from a cash advance loan?

There is no difference. Both of these are a type of payday loan that is lent quickly.

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

1300 34 62 62

(1300 Finance)