Does City Finance perform a credit check during an application?

We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted. 

Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our final credit assessment, where an inquiry will be left on your credit file. 


If you do have a default or missed payment on your credit file, don’t worry. In many cases we will still be able to provide a loan, depending on the circumstances.