City Finance Reviews 

Well this was the worst experience I've ever had with a company.
Firstly I would like to say even though I own my own house outright, I am on disability which they claim to help, my credit score is above average and I also have a housemate I go halves in the bills with and also transfer my money into another account and to the person that pays my bills etc.
Anyway I apply for $650, receive notification that everything checks out and I will receive a call shortly to go through the last part.
I never received that call, only another message stating I didn't qualify.
If they bothered to call and had any questions I could have given them my other account number, even though it shows that I put all my savings into a different account, they wanted to see the one I was paid in.
Now my credit will be tainted. Just don't do it, even a fully paid off House Is Not Enough collateral for a 600 loan and I've heard a lot of knockbacks for those on Centrelink after speaking to others.
So thank you City Finance for looking into my credit and Bank enough to pass the First and not bothered to even call after receiving a message saying we will call you in a couple of minutes.
Hope you have a coffee in your hand while you're reading my review, it's quite the novel!
I should have realised after reading it's been over a year since City finance has reply to anybody that's had a bad experience and if you look deeper 94% of people that finance give 1 star.
That says a lot!! Try somewhere else, trust me!!

If I could give 0 stars I would. Do you have bad credit, on centerlink benefits we can help, what an absolute load of b/s. It's businesses like this who make out they can help people then slap you in the face by rejecting your application for a loan that should be shut down for being scamming money hungry s.o.b.s. apply for a $1000 dollar loan and in 52 weeks you'll be paying back $1800. Absolute thieves. Stay away

Received a email from Your City Fiance entitled "WHOOPS." In the email it stated that I please disregard their earlier email stating that my application for finance had been denied. (I never made an application) They said this was sent in error. Then finished the email with a 'joke from Chloe' about toes and feet.

Very strange and unprofessional.

Absolutely shocking company, I applied for a loan in November and was approved for $2100. On top of this i have just found out that as well as the $400 extra to be paid for fees and processing I was also charged 48% interest. Accumulating to $2900 I am expected to repay, no matter how fast you pay it of the interest stays the same. Absolute sham of a company, praying on those with low income and charging them through the roof for fees and charges. Do not use this company, it will mess with your credit history and cost you an arm and a leg in the long run. Don’t take a loan out with this company no matter how desperate you are

Just the same as any other finance provider. Deliberately misleading!
Applied and recieved an email telling me "Good news!" I had passed the important phase for approval of a small loan and to await a phone call (number provided) to ensure I answer before midday. Never came. Instead I get an email informing me that they are unable to help this time and apply again in 3 months.👎👎👎👎👎 Funny how they can break all the rules and have standards in responsible lending but apparently not for people who need help in a bind.

Applied for a loan and never heard from them again, even after numerous attempts at contact. Disgraceful service and scamming vulnerable people as well as ruining their credit scores. DO NOT BE FOOLED AND USE THEIR WEBSITE

I recently applied for a loan through “City Finance”, and I must say that my experience has been thoroughly disappointing and frustrating. I believe it's important to share my concerns to help others make an informed decision about whether to proceed with this company.
From the very beginning, I was led to believe that the loan application process would be efficient and transparent. The representative assured me that I would receive updates about my application status in a timely manner. However, the reality could not be further from the truth. It has become painfully clear that there is a significant lack of communication from the company.
To make matters worse, I was specifically told that I would receive a call within four hours of submitting my application — a promise that has yet to come to fruition. Instead of receiving proactive updates, I find myself having to call customer service repeatedly, only to encounter vague answers and a complete lack of accountability. This is far from the standard of service that one would expect from a reputable financial institution.
The frustration of having to chase down information that should be readily available is exhausting. Not only does it waste my time, but it also raises serious doubts about the company's commitment to customer service. It feels as if my application has disappeared into a void, with no one willing to take responsibility for providing updates or assistance.
If you are considering applying for a loan with “City Finance”, I urge you to rethink your decision. This experience has been a testament to how poorly they handle client communications and customer care. The assurances that were given to me during the application process have not been honored, leaving me feeling disregarded and unvalued as a prospective client.
In conclusion, I am urging “City Finance” to re-evaluate their communication strategies and processes. The way they treat their clients — or lack thereof — is incredibly frustrating and may deter others from seeking financial assistance through their services. For those in need of a loan, I recommend looking elsewhere, as this experience has demonstrated that “City Finance” may not be equipped to provide the support you require.

so update, I messaged city finance and a customer representative name Gemma connected with me via chat, she said hello at 15:22 I sent my message to her, and over an hour later there was no response or acknowledgement to my messages at all! Which just confirms that this company does not value customer service at all, well Gemma does not basic on my experience

Very high interest scam scam no good

Be careful of this Microfinance company if you apply for an amount you need and if you not getting they will tell you apply for a small and is coming on your credit report as 2 enquire scam scam scam 🛑🛑🛑🛑🛑

DO NOT USE. I was in need of a helping hand and this seemed like a dream come true. A loan for people on centrelink! It has been nothing but a hassle. They started taking fortnightly repayments weekly which left me short for rent. I have spoken to 2 different people to set up 2 different payment plans and neither of them have taken effect. I can't pay online either so they are telling me I'm owing even more now. It shouldn't be so complicated to pay back money.... it makes me think that they're scamming people!

Used this place for loans for last two years allways paid on time never missed a payment but refused to refinance even after offering loans and my financial situation never changed

Unprofessional loan company. number doesn’t even work no one returns calls or emails and if you finally receive an email it’s just an automated one so frustrating!! If anyone is thinking about applying for loan with City Finance please don’t waste your time.

Problem with my small loan reaching my account - it took a few days - due to the weekend, but once aware of the problem City Finance resolved the matter quickly and politely, communicating with me very well!

Honestly, I just don’t have the time to bother going into depth!

ABSOLUTELY APPALLING COMPANY

🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄🙄

I was shocked when applying for a small loan that City Finance asked me for my log in details for my bank account! Who in their right mind would give a finance company access to their bank account!!!!!!

Very bad slow inexperienced customer service, twice I had to submit an application because it got expired due to the long wait times, I just rang and again got told my application expired for the third time. Waste of time. Make sure you apply with other lenders and not wait for their reply which is non existence, if your lucky you will get spammed with a text message saying your loan is progressing

My contact was to have a couple of question answered. I’ve been given 2 totally different answers at different times. Online chat takes over 20mins to reply, obviously don’t read your question or answer because your given wrong information, correct them and wait for another 20mins for a reply. They don't respond to emails at all. I’ve called weeks apart and pretty sure I’ve got the same woman, who is hard to understand at times and when you can understand she sounds like she doesn’t enjoy her job as comes across short and rude.
Would not recommend dealing with this company!

BEWARE WHEN PROVIDING FINANCIAL CREDENTIALS

I put in an application and received no response that my application had been received or can be tracked. Other small loans company send a notification by email or sms and update via the same.

Did not receive any notification from them whatsoever checked spam nothing.

Instead I received a notification from my bank for possible fraud and to change my password. Tried to call no answer just automated machine. FYI other places have never triggered a warning from my bank so this means there process may not be legitimate

It has been more than 48 hours and still no answer or email/sms notifications. Tried to call to cancel my application but no response. Very worried this is a scam or data breaching company.

Be careful do not use them if you don't want your data possibly compromised.

Update: Up to today I have still not received a phone call, email or message regarding my application. Called numerous of times no answer. Please be aware of these pay day loan providers may not be legitimate.

URGENT MSG - DO NOT USE CITY FINANCE!!!!

"I started to apply for a loan with CITY FINANCE and was shocked to find out that they conducted a credit check without my consent. Despite not proceeding with the application within 24 hours and requesting its cancellation, my credit rating has been negatively impacted due to their actions. This lack of transparency and disregard for customer consent is unacceptable. I strongly advise others to be cautious when dealing with CITY FINANCE to avoid similar consequences." YOUR CREDIT RATING WILL BE NEGATIVELY IMPACTED, regardless you DO NOT proceed with the loan. City Finance shoyld be accountable and reliable, and shoyld contact the credit agency to remove the enquiry if you do not proceed With an application. SHAME SHAME SHAME. The negative impact this has on ones credit rating and life. IRRESPONSIBLE LOAN PROCESS!

Alyssa the loans officer has added the human touch to a much needed service of loaning to the disadvantaged. My drivers license was in transit and wouldn't register on the system, but Alyssa expertly and kindly negotiated a solution with professional courtesy and human compassion. I have been with City Finance for over a decade, and they have helped me enormously, with staff like Alyssa they will always be my number one choice. Stuart Lam.