We're here for you through life's ups and downs, specialising in small loans to keep things manageable.

Frequently Asked Questions



Small loan example:

A loan of $1500 for 16 weeks has fees and charges totaling $540. The minimum loan term is 12 weeks and the maximum loan term is 52 weeks. A maximum one off Establishment Fee of 20% of principle and maximum 4% of principle monthly fee will apply. We do not have an APR for small

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Medium loan example:

A loan of $3000 for 22 weeks has fees and charges totaling a maximum of $1007.13. The minimum loan term is 12 weeks and the maximum loan term is 104 weeks. A maximum one off establishment fee of $400 may apply plus a maximum APR of 48%.

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More info:

City Finance is not a ‘payday lender’. The minimum loan term for all loans is 12 weeks.The maximum loan term is 52 weeks for Small Loans and 104 weeks for Medium Loans. The maximum APR on all loans is 48%.

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How much money can I borrow?

This all depends on factors such as your income and credit history, but most people are able to secure a loan of up to $2000, in some cases more.

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How quickly will I receive my funds?

Most people have the money available within minutes of a funds transfer.

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What are my other options?

Personal finance loans are not for everyone, and you should carefully assess whether you really need a loan today.

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Does City Finance conduct credit checks for short-term loans?

As with most loan providers, we carry out credit checks as part of our initial assessment.

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How many City Finance short-term loans can I borrow at once?

For small personal loans under $2000 that will be repaid in full in under a year, you may be able to have more than one at a time.

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Am I eligible for a City Finance short-term loan?

For cash advances or small personal loans up to $2,000, you can quickly find out your eligibility by applying online. For larger loans, you should contact your nearest branch.

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How much does a City Finance short-term loan cost?

Our free online calculator tool will help you work out the estimated cost of your loan.

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