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

Frequently Asked Questions



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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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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Does City Finance need to call my payroll to approve my short-term loan?

Our system usually verifies your details automatically, but there are occasions when we feel additional checks are necessary.

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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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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 do I repay my short-term loan?

We set up an automatic, direct debit to collect the loan repayment money from your nominated bank account (this must be the account your salary or other income goes into).

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When do I repay my short-term loan?

On the dates nominated in the repayment schedule we will work with you to create.

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I missed my scheduled repayment date, will I incur any fees?

There are fees for missed payments and these will be outlined in your contract.

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What if I need extra time to repay my City Finance short-term loan?

If you think you’re unable to stick to your repayment schedule, you should contact us as soon as possible.

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What is a short-term loan?

Small loans that can be taken out for amounts between $100 and $2000 and are repayable within 52 weeks (one year).

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