Rating based on 33 reviews

City Finance

  • Quick loans up to $5,000
  • Low-interest starting from 48%
  • Repayment up to 60 months

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City Finance homepage
Author City Finance. Screenshot of City Finance website.
[Accessed May 24, 2023]

About City Finance

CityFinance has been around for some 20 years and their approach to lending has been refined and become more targeted within that period.

Presenting as an empathetic and caring fast cash loan provider, they not only live up to this online but have a growing reputation of making things real on the ground.

A simple credit provider

CityFinance manifests a different yet highly usable site where all pertinent details - most notably the helpline number along with a loan calculator - are immediately visible.

CityFinance is aiming at a hassle-free, truly listening stance that will enable any Australian seeking a short-term loan to both feel at home and get things finalised in as short a time as possible online.

A lender that cares

While CityFinance is clearly caring and focused on their clients, their FAQ’s leave a lot to be desired in terms of hard information and blunt facts.

Call for assistance

In spite of having all of the intel available onsite, new clients are best off calling the helpline in order to run through a list of questions most pertinent to them.

City Finance Services

Offering loans from $500 up to $5,000 with various repayment terms, CityFinance’s loans, although not alone in their category, have struck a chord with Australians and from small beginnings, the company is now well established.

A loan of $1500, for example, will cost a total of $2040 over 4 months. The minimum loan period on repayments is 12 weeks and the maximum is 52 weeks.

Capped interest rates

Although the APR of 48% is substantial, it’s on a par with CityFinance’s peers and, all in all, the bottom line is that the sooner a personal loan is paid off the better.

Loans for self-employed

While the application process clearly presumes employment, the helpline is the best port of call for self-employed people, as individual circumstances are evaluated and it is possible for those self-employed to garner a loan from this lender. City Finance is almost wholly geared towards employees.

Apply for cash online

City Finance offers both in-store and online application however it is their online process that has gained them quite the reputation. If you need a fast loan, simply visit their site and complete their online loan application to get the cash you need fast.

City Finance – Quick loan

  • Loan Type Quick loans
  • Interest Rate from 48%
  • Loan Amount up to $5,000
  • Repayment 12 weeks to 60 months

Benefits of City Finance

  • Quick loans up to $5,000
  • Maximum loan terms up to 17 weeks
  • Interest rates starting from 48%

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This quick loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

CityFinance is the preffered quick cash lender in Australia

To their credit, although bound as all lenders are by ASIC and other protocols, City Finance has clearly invested in public relations.

Never losing focus on the fact that they are dealing with people, not money, has stood them in good stead. Negative reviews of this company are hard to come by.

Meet agents face-to-face

This has no doubt a little something to do with the fact that they maintain a network of branches where people can talk to people, face to face, and have an online loan application assessed in minutes.

City Finance has an almost apologetic lean towards potential clients who are genuinely not eligible for a quick loan and they do go to greater lengths than almost any other lender to try and secure a loan for everyone who applies, within the legal framework as legislated.

Tools and extras

City Finance has a very helpful blog with a range of informative article and tips from insurance and everyday banking to their money saving tips – these articles are of high quality and are clearly aimed at everyday consumers.

How long does it take CityFinance to get back on my quick cash loan application?

We know that the majority of our clients usually want to make use of the money right away. It is for this reason why we only take one business day to give them a response. Should we be unable to help you due to certain reasons, we will inform you of the reasons for rejecting your quick cash loan application.

We will not stop there, we will give you tips and guidelines of what you need to do in future so that your loan application gets approved. We want to help everybody who comes to us for help but our clients also need to meet us halfway.

Can I apply for two loans at the same time?

Applying for a secondary quick cash loan will depend on how your credit profile is and whether you can actually afford to pay off your second credit plan.

Use the same method you used to apply for your first loan to see if you qualify for an additional credit plan. We will let you know whether your second advance plan has been approved as soon as you submit certain documents to us.

man holding thumbs up

City Finance is a trusted & reliable provider of quick loans

In our review, City Finance adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ City Finance is a registered credit provider in Australia: ACL 469854

Customer Reviews & Testimonials

January 2019

City Finance ensured that I get a quick cash loan I can actually afford to pay.

Sydney W
— New South Wales —

April 2019

Without the assistant of the City Finance agents, I would have probably made so many mistakes on my quick cash loan application. But thanks to them, they directed me every step of the way.

Mabel W
— Queensland —

City Finance Contact

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