Can I apply for a loan if I have bad credit?

We are able to approve applications even when the applicant considers themself to have ‘bad credit’. That’s because we consider a broad range of factors and just go beyond an applicant’s credit score. We will however not approve loans where the applicant has become insolvent (bankruptcy or Part 9) within the last 12 months, intends to file for insolvency, or has a registered default with an Australian lender in the last 5 years. If you are an existing City Finance customer, we will also consider your previous payment history.