Who is eligible to apply for a City Finance loan?

Our customers live all over Australia and have a range of financial circumstances. We focus on understanding the financial situation of every applicant rather than just their credit score. 

To qualify for a City Finance loan you must: 


  • Be an Australian citizen or permanent resident
  • Be a minimum of 21 years old
  • Have regular income from employment or Centrelink (or both)
  • Have a minimum monthly income of at least $1,000
  • Have no outstanding default to an Australian lender in the past 5 years
  • Not be insolvent (bankrupt or Part 9), have been discharged from insolvency within the last 12 months, or have an intention to file for insolvency
  • Have no reversed loan payments within the last 90 days (that were not cured)
  • Be able to provide identity document details (such as a passport or drivers licence)
  • Be able to log into an Australian bank account