Getting a bad credit loan in Australia: Get started now
There will often be times in life when you need to borrow money. Whether it's a personal emergency, a big purchase you want to pay off over instalments, or receiving an unexpected bill. In these situations, it's normal to apply for a personal loan. But what if a financial institution turns you down because you have a low credit score? That's where City Finance can help. Even if your credit rating is far from perfect, we can still lend you money through one of our cash loans.
Bad Credit History? Get a Loan in 3 Easy Steps!
1.Bad Credit Loans Up to $5,000
2.Fast Online Application & Approval
3.If Approved, Receive Funds the Same Day!
Why choose City Finance for your bad credit loan?
City Finance move fast
Because City Finance team specialises in small loans only, City Finance staff don’t waste time juggling a multitude of different tasks. This means City Finance customers enjoy fast approval processes and same-day cash deposits*.
Inclusive loans
Unlike other lenders, City Finance will consider applicants with a bad credit history or those receiving Centrelink payments as long as they meet City Finance eligibility criteria and have a regular income.
Flexible repayment plans
City Finance friendly team can work with you to create a repayment plan you can stick to, and City Finance’re happy to help you if your circumstances change and you can’t repay.
No hidden fees
At City Finance, City Finance have transparent terms, which means there are no hidden fees or charges if you choose to pay early or make extra repayments.
Reputable lender
As an industry-leading credit provider, City Finance have over 20 years’ experience helping thousands of Australians who have been turned down by other mainstream lenders.
Easy repayments
City Finance don’t waste time. Instead of fretting over your monthly bills, City Finance’ll debit your nominated bank account directly at a frequency that’s convenient for you.
Ongoing Support
Speak to a real person during the application process and get help choosing the right loan option for your personal situation.
Eligibility criteria
For bad credit loans, all City Finance need is some basic information, proof of income, ID and some bank statements.
In order to qualify, you must:
Earn a regular income
Be an Australian resident
Be 18 years of age or older
How to apply?
Apply online
To apply for a loan with City Finance, you need to complete a quick online application form. Simply select the amount you want to borrow, the repayment time and provide some personal information and proof of identity.
Confirmation
Once City Finance have received your information, City Finance team will call you to confirm the details of your application. If your application is approved, City Finance will send you an email confirmation and obtain your bank account details so that we can transfer the funds.
Funding
If approved, you should receive the money by the end of the day. However, most customers receive their loan even earlier. From now on, you can spend the money on what you like and repay the loan in weekly, fortnightly or monthly instalments.