Our Loan Rates

Our Loan Rates - mum on phone

Fees and Repayments

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.

  • 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
  • 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

Clear Transparent Simple Loan Fees

Simple to understand fees so that you know exactly what to expect

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Highly highly highly recommended City Finance to anyone. The staff are absolutely amazing and very helpful. My experience the two times I have used their services have been amazing. Thank you guys!

Lulu Millar
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I had a very easy and straight forward experience dealing with City Finance... Very much appreciated the quick flow of decision making displayed. Regards, Graeme

Graeme Austin
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Great customer service, they're happy to help out when you need it if something unexpected has happened and you need cash fast, definitely recommend and repayments are tailored to your needs.

Cassandra Dodd
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Wonderful people very friendly and helpful been with them for some time now and have never had an issue with them always have my payments on time

Pauline Arrowsmith
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City finance for fantastic. The application is still in fairly quickly within outcome usually within 24 to 48 hours. Customer service is lovely and the only company that would help me out with the loan when no other one would. Highly recommend.

Chanelle Ryan
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