Fast, Easy
Personal Loans
Borrow anywhere from $500 to $5,000 and get funded in minutes*
Quick Start Application
Experience The City Finance Difference Simplicity Speed Reliability
Apply in Minutes
Complete your application in the same amount of time as placing your coffee order
Get Paid Faster
Funds deposited within minutes to any OSKO enabled bank account*
Encrypted Safety
A secure and encrypted process ensures your peace of mind
*Most customer’s receive their funds in 60 seconds if using an Osko enabled bank account. Check with your banking institution about processing times
Fast & Easy Personal Loans
Applying for a City Finance loan is fast, simple and secure
A fast, simple loan so you can get on with life.
What Can I Use My Loan For?
You can use your loan for all types of situations life throws at you
Rental & Moving
City Finance can fund the cost of moving home, such as rental bonds and removalist costs
Furniture & Appliances
Sometimes a new appliance, or additional furniture is just what is needed to make your home comfortable and functional.
Vehicle Costs
Looking to buy a car? Need funds for registration or repairs? City Finance can get you on the road
Home Improvements
Transform your living space, whether it's a full renovation, or those improvements around the house you have been wanting to do.
Travel & Holidays
City Finance can help you create those unforgettable memories and benefit from new experiences that travel offers.
Medical Expenses
Prioritise your health and well-being by using our loans to cover medical expenses, providing the financial support needed for necessary treatments and care.
Here when you need us.
Applying is fast, easy and you will receive funds within minutes once you are approved
When life throws an unexpected curve ball, or there’s an opportunity you can’t miss, we’re here when you need us. Borrow from $500 to $5,000. Applying is fast, easy and you will receive funds quickly into your bank account once you are approved.
City Finance is here to help you get on with life. We’re here when you need us. Get started with a quick, free, no-obligation quote today.
Loans We Offer
Bridge the gap between paychecks with our payday loans, ensuring quick access to the funds you need.
Overcome credit hurdles with City Finance’s bad credit loans, offering a chance for financial recovery.
Receive tailored support with our Centrelink loans, designed to assist those on government assistance.
Navigate unemployment confidently with our specialised loans, providing essential financial support.
Enjoy financial peace in retirement through our pensioner loans, offering flexible and supportive solutions.
Face unexpected challenges head-on with an emergency loan, ensuring fast financial assistance when it matters most.
City Finance Loan Example
We offer loans between $500 and $5,000. Our minimum loan term is 12 weeks and maximum is 52 weeks.
Our SACC (small amount credit contract) loans of $500 to $2,000 include an upfront Establishment Fee of 20% with a monthly maintenance fee of 4% charged on the anniversary of your loan’s start date.
A SACC loan amount of $1,000 over 30 weeks (repayable over 30 repayments). $1,000 (principal amount) + $200 (20% establishment fee) + $280 (fees based on 4% per month over 30 weeks) = $1,480 total repayable in 30 week instalments of $49.33.
Our MACC (medium amount credit contract) loans of $2,001 to $5,000 include a flat upfront $400 Establishment Fee with a 48% APR.
Loan Amount of $2,500 over 30 weeks (repayable over 30 weekly repayments). $2,500 (principal amount) + $400 (establishment fee) + $431.80 (reducing interest) = $3,331.80 total repayable over weekly instalments of $111.06.
The comparison rate of the MACC loan is 58.5%. Warning: The comparison rate is true only for an example loan amount of $4,500 and example term of 2 years. Different terms or other loan amounts might result in a different comparison rate.