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

What types of loans does City Finance offer?

It's only fair to share...

     1. Cash advance loans

Cash advance loans are for small amounts from $300 to $600, repayable within six weeks.

Who is a cash advance loan suitable for?

Anyone who needs small amounts of cash for short periods of time. This is for personal use.

Can I apply for a cash advance loan?

You can apply if you are over 18, have photo ID (or sufficient other forms of ID) and can demonstrate a regular income.

How much money can I borrow?

From $300 up to $600.

How long can I borrow the money for?

From 17 days up to six weeks.

What is the repayment frequency for a cash advance loan?

Weekly, fortnightly or sooner by arrangement.

How do I repay?

We will create a payment plan with you and automatically deduct repayments via direct debit from your bank account.

Are additional repayments ok?

Yes, you can pay off your loan or make advance payments ahead of your repayment schedule via an EFT.

What are the costs, fees and charges for a cash advance loan?

Click here to use our free online calculator to work out the cost of your loan. Additional charges may apply if you do not keep up with repayments as per the agreed repayment schedule, click here for details.

 

     2. Short-term loans

Short-term loans can be taken out for amounts between $300 and $2000 and are repayable within 52 weeks (one year).

Who are short-term loans suitable for?

Anyone who needs small amounts of cash for short periods of time. This is for personal use.

Can I apply for a short-term loan?

You can apply if you are over 18, have photo ID (or sufficient other forms of ID) and can demonstrate a regular income. You can also qualify if you are a business or an individual with an ABN.

How much can I borrow?

From $300 up to $2000.

How long can I borrow the money for?

From 17 days up to 52 weeks (one year).

What is the repayment frequency for a short-term loan?

Weekly, fortnightly or monthly – sooner by arrangement.

How do I repay?

We will create a payment plan with you and automatically deduct repayments via direct debit from your bank account.

Are additional repayments ok?

Yes, you can pay off your loan or make advance payments ahead of your repayment schedule via an EFT.

What are the costs, fees and charges for a short-term loan?

Click here to use our free online calculator to work out the cost of your loan. Additional charges may apply if you do not keep up with repayments as per the agreed repayment schedule, click here for details.

 

     3. Medium-term loans

Medium-term loans are for amounts between $2001 to $5000, repayable within 104 weeks (two years).

Who is a medium-term loan suitable for?

Anyone who needs slightly larger amounts of cash for a longer period of time. This is for personal use.

Can I apply for a medium-term loan?

You can apply if you are over 18, have photo ID (or have sufficient other forms of ID) and can demonstrate a regular income. You can also qualify if you are a business or an individual with an ABN.

How much money can I borrow?

From $2001 up to $5000.

How long can I borrow the money for?

From 17 days up to 104 weeks (two years).

What is the repayment frequency for a medium-term loan?

Weekly, fortnightly or monthly – sooner by arrangement.

How do I repay?

We will create a payment plan with you and automatically deduct repayments via direct debit from your bank account.

Are additional repayments ok?

Yes, you can pay off your loan or make advance payments ahead of your repayment schedule via an EFT.

What are the costs, fees and charges for a medium-term loan?

Click here to use our free online calculator to work out the cost of your loan. Additional charges may apply if you do not keep up with repayments as per the agreed repayment schedule, click here for details.

 

     4. Other Loans

Other loans cover any type of loan that is not a cash advance, short or medium-term loan. They are typically for larger amounts of money and for longer periods of time, up to five years.

Who are other loans suitable for?

Anyone who needs to borrow more than $5,001. The loans can be for business or personal use and may cover things like boat and car finance.

Can I apply for an other loan?

You may be eligible for an other loan if you are over 18, have photo ID (or have sufficient other forms of ID) and can demonstrate a regular income. You can also qualify if you are a business or an individual with an ABN.

How much money can I borrow?

From $5,001 up to $10,000.

How long can I borrow the money for?

From 17 days up to five years.

What is the repayment frequency for these loans?

Weekly, fortnightly, monthly or sooner by arrangement. The payment schedule is subject to evaluation with the lender.

How do I repay?

We will create a payment plan with you and automatically deduct repayments via direct debit from your bank account.

 Are additional repayments ok?

Yes, you can pay off your loan or make advance payments ahead of your repayment schedule via an EFT.

What are the costs, fees and charges for an other loan?

Click here to use our free online calculator to work out the cost of your loan. Additional charges may apply if you do not keep up with repayments as per the agreed repayment schedule, click here for details.