Our costs

Choose a loan amount to suit your needs and we can calculate flexible repayments that you can afford.

We are always upfront and transparent about our costs – no hidden fees or charges.

Calculate your loan repayments

Your loan amount
  • Credit Amount
    $1,000
  • +
  • Credit Costs
    $360
  • =
  • Total Payable
    $1,360
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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% with a monthly maintenance fee of 4% charged on the anniversary of your loan’s start date.

Our MACC (medium amount credit contract) loans of $2,001 to $5,000 include a flat upfront $400 Establishment Fee with a 48% APR.

Other fees that can be incurred
  • If you wish to make an early payment on your loan we don’t charge any early payment or early termination fees.
  • If you need to change a payment and it is within your loan term, let us know 2 business days before the payment is scheduled and we will change it for free.
  • If you don’t let us know and your payment dishonours, we charge you a dishonour fee.
  • Not paying us back on time can negatively affect your future lending with City Finance.
Extra repayment options
  • There are no fees or charges if you wish to make additional payments. You can call us and make a payment over the phone or make a deposit into our account at any time.
  • You can also make a payment through our customer portal whenever you want.

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
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WARNING – Do you really need a loan today? It can be expensive to borrow small amounts of money and borrowing may not solve your money problems. Check your options before you borrow. For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor. Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan. If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94. The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you. This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009. Loans above $2,000 at participating branches only. Lending conditions apply – view our full Terms & Conditions. (*)Disclaimer: loan outcomes may vary. Most outcomes will be within the same business day of application being submitted, as advertised. City Finance offers SACC (small amount credit contracts up to $2000) and MACC (medium amount credit contracts between $2001 to $5000) loans over a loan term between 12 to 52 weeks. For City Finance loans of $2000 or less, an APR does not apply. The maximum you will be charged is a flat 20% establishment fee and a 4% monthly maintenance fee. Other fees may apply according to your loan contract. Representative example: Loan amount of $1000 over 30 weeks (repayable over 30 repayments). $1000 (principal amount) + $200 (20% establishment fee) + $280 (fees based on 4% per month over 30 weeks) = $1480 total repayable in 30 weekly instalments of $49.33. For medium City Finance loans between $2001 and $5000, the annual percentage rate (APR) is 48% per annum. Representative example: Loan amount of $2500 over 30 weeks (repayable over 30 weekly repayments). $2500 (principal amount) + $400 (establishment fee) + $431.80 (reducing interest) = $3331.80 total repayable over weekly instalments of $111.06.

Contact Us

1300 34 62 62

(1300 Finance)