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

Frequently Asked Questions



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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What types of loans does City Finance offer?

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

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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 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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