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.

Travel loans

Are you looking for a travel loan? Secure one in 3 simple steps!
  • Travel 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
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  • Credit Costs
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  • 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%.

Have you been picturing yourself lounging on a beach chair in the sun, cocktail in one hand, book in the other? If so, you don’t necessarily need to wait until you save enough cash for your getaway, instead apply for a travel loan with us and head straight off on your holiday.

Our travel loans are designed to finance holidays. Whether you’re looking for snow, island or mountain adventure – our travel loans can, quite literally, help get you there. Our travel loans can be used for anything travel-related, like airline tickets, hotels, travel accessories, tours and luggage.

At City Finance, our travel loans are unsecured personal loans, so you won’t need collateral or security when applying. These loans will be a cash deposit in your bank, and you can spend the money on your travel choices accordingly.

If you’ve been dreaming of a holiday and want to head off stat, we can help. Our personal loan application is quick, and our travel loans are approved quickly, too. So, you won’t need to wait around for days or weeks while your application is processed.

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.

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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 loan amount you’d like to borrow and the repayment time, as well as fill in some personal information and send proof of identity.

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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.

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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 travel loans?

Travel loans are unsecured loans that cover the costs of anything related to your next holiday. Our travel loans can range from as little as $500 up to $5000 and the balance can be paid off within 52 weeks. Why wait to head off on your next getaway? Secure a travel loan with us and get booking.

Am I eligible for a travel loan?

Are you 18 or over and have freedom on your mind but don’t have enough money for your dream holiday? If so then you’re probably eligible for a personal loan with us. Aside from being of age and yearning for a trip, we’ll also need applicants to have some form of income (this can be salary from work or government benefits like Centrelink), ID and some supporting bank statements.

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

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:

  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)

How City Finance can help borrowers looking for personal loans used for travelling

We’re a trusted lender

We’ve been in the business of lending money to thousands of Aussies for over twenty years. We are a leading lender in Australia and have impeccable reviews as proof. At City Finance you can also be sure you won’t be hit with any unexpected fees and charges. We set out our interest rates, fees, charges and comparison rate before you sign the unsecured personal loan contract so that everything is explained clearly. Plus, we don’t charge early repayment fees if you find yourself in a situation where you can pay your personal loan off early.

We work quickly

We know that many loans can be time-consuming and frustrating. Ours aren’t. We pride ourselves on our quick application and approval process. Our application process takes just a few minutes, and as soon as the application is submitted, our team works quickly to access and approve it. In fact, many customers receive the money in their bank on the same day that they apply for the loan.

We offer hassle free fortnightly or monthly repayments

As soon as your loan is approved, you can head off on your travels! While enjoying your time away, the last thing you’re going to want to worry about is remembering your loan repayment date and transferring the money over for your loan repayments. That’s why we’ve implemented a hassle free repayment scheme. On your agreed loan repayment date (whether it’s fortnightly or monthly repayments), we’ll arrange for the amount to be deducted from your bank account – so that the hassle is removed.

We’re inclusive about who we lend to

Many personal loans have a bunch of stringent lending criteria and terms that a borrower must meet in order to be approved. We are very flexible about who we lend to. Even if you have bad credit, no credit score, have poor financial circumstances, are unemployed or are newly self-employed, we can probably still lend to you. Our experienced team will assess your specific circumstances and personal objectives to decide what loan is best for you.

We have flexible loan terms

We have the ability to adjust each of our loans so that they can suit our applicant’s situation perfectly. We offer loan amounts between $500 and $5000, and loan lengths of as little as 12 weeks to 52 weeks. We can also arrange for the loan repayments to be debited weekly, fortnightly or monthly.

We are understanding

We understand that life happens, and situations arise where a customer may not be able to meet the repayment of their personal loan on the due date. If this happens, the customer can get in contact with our friendly team who will work together with them to sort out a contingency plan that they can comfortably meet.

What can I use a travel loan for? 

Airline tickets

Always dreamt of flying business class or first class but have never had enough funds to do so? Our travel loan can help you realise your dream. Regardless of the class, you’re travelling to, airline tickets normally take up a healthy chunk of your travel budget. Secure a personal loan with us and make your next holiday a reality but locking in some airline tickets.


From simple spinner suitcases to hardcovered bags and tech-enabled suitcases with charging capabilities, there is a range of travel options for your next holiday. Plus, if you’re heading to the snow or to surf, you may need a bag for your snowboard or surfboard. If you’re looking for some extra funds to cover the cost of luggage, our unsecured loans can help.


Are you the kind of person that likes to lie by the pool all holiday, or do you prefer to head off on an exciting adventure and really experience your destination? If it’s the latter, then our personal loans can help cover the cost of a tour. After all, what’s really the point of heading off to an exciting new country and if don’t have enough money to really enjoy yourself?


Nightly rates at a hotel can add up substantially, especially if you’re planning on spending it living the lap of luxury in a five-star hotel. Don’t scrimp on accommodation, enjoy your holiday to its full potential by using our personal loan to afford the cost of staying somewhere nice.

Travel accessories

A go pro, blue tooth headphones and power banks are all little travel luxuries that will make your holiday more enjoyable. Plus, if you’re headed on a surf trip you may need a new surfboard or wetsuit and similarly so for a ski trip; new skis and snow gear. However, all of these items can cost a pretty penny and may blow your travel budget. If so, secure a travel loan with us and get packing (or shopping)!

Travel insurance

The saying goes, ‘if you can’t afford travel insurance, you can’t afford to travel’. While we agree that travel insurance is extremely important on a holiday, this sentiment isn’t technically true. If you can’t afford travel insurance, you can instead take out a personal loan with us and lock in your travel insurance that way.

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

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