Terms and Conditions

Please see our general terms of use, privacy policy, credit guide and warning about borrowing below.

City Finance Terms & Conditions

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General Terms & Conditions
View City Finance’s Terms and Conditions here.
 

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.

View City Finance’s Privacy Policy here.
 
 
  1. City Finance may use and exchange my customer data with other credit providers;
    By signing or consenting to this agreement, I understand that the information City Finance may exchange with other credit providers and alternate service providers (such as credit file repair services, budgeting services and rental services) includes my application information held by City Finance, my identification details, what type of loans I have, how much I have borrowed, whether or not I have met my loan payment obligations and if I have committed a serious credit infringement (for
    example, fraud). City Finance may exchange and sell my customer data to other credit providers and alternate service providers who may use my customer data for any of the purposes for which the Lender can use it. I can request that this authority be withdrawn at any time.
  2. City Finance may use and exchange my customer data with third parties
    Where permitted by law or for any of the purposes mention in clause 1, the Lender can exchange my Customer Data with third parties including:
    ● Service providers, for example credit providers, lenders, credit file repair services, budgeting services and rental services;
    ● The provider of the market for the sale or distribution of my customer data;
    ● Those to whom the Lender or any of the third parties outsources certain functions, for example direct marketing, statement production, debt recovery and information technology support;
    ● Government and law enforcement agencies or regulators;
    ● Credit reporting bodies and credit providers.
  3. Anti-Hawking
    I understand that as a result of clauses 1 and 2 and any agreement I give in that respect, I may be offered a financial product from another lender based on their  credit assessment of my application it may not be the exact same type or amount I applied for.