Rating based on 32 reviews

Fair City Finance

  • Personal loans up to $20,000
  • Low-interest starting from 14.95%
  • No application fee

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Author Fair City Finance. Screenshot of Fair City Finance website.
[Accessed July 3, 2019]

Fair City Finance - Loans within 90 minutes

We were established to serve Kiwis in Canterbury and surrounding areas, offering every individual throughout New Zealand who needs a personal loan with flexibility.

Fair City Finance also offers an easy online loan application process and what’s more you can have the funds in your account on the same day actually it’s possible to have your funds within 90 minutes.

Secured loans

Our personal loans are all secured by assets, so if you have a suitable property to guarantee as security, apply for your Fair City Finance personal loan today.

The funds can be used for any purpose which includes vehicle finance, renovations or vehicle finance and more -you are permitted to make repayment over a period of 48 months.

A variety of personal loans for you to choose from

With Fair City Finance's secured personal loans you are able to borrow between $500 and $20 000 using the funds as you wish and make repayments within 48 months.

However, we will assess your affordability and then set a maximum loan limit as well as the interest rate.

You are able to apply for any one of our fast cash loan services online but you’re welcome to contact one of our dedicated staff members should you have any questions and would prefer to speak to someone directly.

Fair City Finance Services

With our vehicle finance, you are able to borrow an amount of up to $20 000.

Fair City Finance will accept the vehicle you want to purchase as a contribution to the guarantee required in order to obtain your secured loan.

The aspects of a Fair City Finance personal loan

  • Faster applications – As soon as your application has been completed, received and approved the funds could be in your account within 90 minutes, bearing in mind that more complex personal loans where you have offered security could take a bit longer.
  • Fixed interest rates – We will assess your credit history and set an interest rate according to your ability to make repayments. Interest rates on this option are fixed throughout the duration of the loan term enabling you to manage your finances because you have a fixed monthly repayment.
  • Flexible loan amounts – You are able to borrow as much as you want, we typically offer between $500 and $20 000 provided you meet the lending Standards.
  • Loans for any purpose – Our long and short-term loans can be used for any reason, which could include funding for a vacation abroad or assistance in furthering your studies.
  • Details of assets - If you’re a homeowner, you should include the following information; like the value of your home, your mortgage balance should be included and if you own a vehicle the details of your vehicle are to be included.
  • Bank statements – In order to speed up the process you can upload copies of your bank statements electronically once you have completed the application form.
  • Credit history - Should you have a bad credit history, Fair City Finance will consider your bad credit loan application and approval will only be done if you meet your borrowing commitments.

Fair City Finance – Personal loan

  • Loan Type Personal loans
  • Interest Rate 14.9519.95% p/a
  • Loan Amount up to $20,000

Benefits of Fair City Finance

  • Quick approval 
  • Fast funding
  • Easy loan application

Personal loan calculator

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

Fair City Finance - Easy loan applications

Expect to receive fast, reliable, dedicated and personalised service at Fair City Finance.

'Five Point' promise – you can expect to receive same-day loan approval, flexible repayment terms, affordable rates, quick cash pay-outs and hassle-free application processes; this is our five-point promise to our valued customers. Make use of our convenient calculator, it’ll assist you to determine the loan amount you qualify for and what sort of repayment you could expect.

In a nutshell

Note that what you prefer to spend your loan on is not part of the lending criteria in order to qualify for a loan with Fair City Finance.

How to apply for a loan with Fair City Finance?

  • Simply complete the online application form and a loan manager will contact you as soon as the application has been received.
  • This is a perfect opportunity for customers who need extra cash for recreational purposes or even a business loan bearing in mind that we do have a lot more to offer. Apply for your loan today.
  • The minimum amount you are permitted to borrow is $500
  • Our online loan application is designed and has been streamlined to make the application as easy as possible, it only takes only a few minutes to complete.

How to apply for a personal loan from Fair City Finance

Eligibility requirements - You need be 18 years if age older (unless you have a guarantor), you also need to be a New Zealand resident, proof of identification (NZ passport or NZ drivers licence), Full details of your employment and income, earning a stable income, active email address and if you are able to provide a guarantee to secure your personal loan.

Customer Reviews & Testimonials

I just want to say thank you to the consultant who stayed on the phone with me after business hours to help me with my application. Thank you for being so patient and willing to help me so late i...

Judy T
— Upper Hutt —

I applied for a personal loan and got approved on the very same day! They really do offer a super-fast service.

Calum G
— Christchurch —

Their personal loans are fast but still affordable.

Leo D
— Invercargill —

Fair City Finance Contact

Contact Number



Physical Address

Postal Address

  • PO Box 16209, Hornby, Christchurch, 8441, New Zealand

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed