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 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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What is an APR and what does it mean for me as a customer?

APR stands for Annual Percentage Rate and refers to the annual rate you’ll be charged for borrowing money from us.

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What are the implications of late or non-payment?

We understand that circumstances can change quickly and people may find they’re unable to make their repayments. You should contact us immediately and we’ll try to resolve the problem with you.

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Are there any renewal fees?

As we don’t renew loans by rolling them over or refinancing the loan, we don’t charge renewal fees.

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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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What types of loans does City Finance offer?

Cash advance loans, Short-term loans, Medium-term loans, Other loans

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