By amount

Simple and fast borrowing
We offer quick cash loans of $500 to $5,000 with flexible, customised repayments tailored to suit you. Our simple, fast and stress-free loan process can be done completely online or over the phone.

Our costs

Our loans are simple and transparent

No hidden charges or early repayment fees

Calculate your loan repayments

Your loan amount
  • Credit Amount
  • +
  • Credit Costs
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  • Total Payable
Repayments are indicative only and based on our assessment of your application. Minimum repayment term is 12 weeks and maximum is 52 weeks. Max APR is 48%.

Fees and repayments

Interest and fees charges

Our SACC (small amount credit contract) loans of $500 to $2,000 include an upfront establishment fee of 20% of the amount borrowed, with a monthly maintenance fee of 4% of the amount borrowed. If you miss a payment, a dishonour fee will apply.  For example, a loan amount of $1000 over 26 weeks has fees and charges totalling $440, consisting of a $200  establishment fee ($1000 x 20%) and maintenance fees of $240 (6 months x 4% x $1000). $1440 total repayable in 13 fortnightly instalments of $110.77.

Our MACC (medium amount credit contract) loans of $2,001 to $5,000 incur a $400 establishment fee and interest at 48% per annum. If you miss a payment, a dishonour fee will apply. For example, a loan amount of $2500 over 30 weeks has fees and interest totalling $831.80 consisting of a $400 establishment fee and interest of $431.80. $3,331.80 total repayable in 15 fortnightly instalments of $223.

No early repayment fees
  • If you wish to make an early payment on your loan we will not charge any early payment or early termination fees
  • Repaying your loan early will result in you paying a lower total amount
  • If you need to change a payment date, let us know 2 business days before the payment is scheduled and we will change it for you
Extra repayment options
  • You can also make a payment through our customer portal whenever you want
  • You can call us and make a payment over the phone or make a deposit into our account at any time
  • There are no fees or charges if you wish to make additional payments

Great service! Highly recommend!!

Donna and Justine went above and beyond to make it an easy process and I couldn’t recommend them more in the future they have really made this a breeze! 11/10 service!
Aellis, 18 September 2020

City Finance are truly remarkable

City Finance are truly remarkable. They are willing to listen, understand and help. They have backed me, stood by me through personal upheavals. A company that goes the extra mile. Thank you.
Ms Laura Dean, 15 November 2020

Thank you to Sue & the team

Thank you to Sue and the team at City Finance! Excellent service, fast. Very friendly and easy. Approval money within the hour. Would have no hesitation in using them again in the future and I would highly recommend them to anyone.
Mr Scott Lord, 20 November 2020

Fast and friendly service

Fast and friendly service. I have been with City Finance for a while and wouldn't think of going anywhere else. Thank you
Mr John Lye, 13 July 2020

Contact Us

07 3458 9200