Fair City Finance

About Fair City Finance

Fair City Finance has since 1988, provided clients with convenient loan services in the Canterbury region.

All services are available online but we do have a dedicated consultant team should you wish to speak to someone directly.

Customers can expect fast, reliable, dedicated and personalised service at Fair City Finance.

'Five Point' Promise

Flexible repayment terms, same-day loan approval and fast, hassle-free application processes, affordable rates and quick pay-outs, is the ‘Five Point’ promise made by us to our valuable clients. 

The convenient loan calculator can assist you determine the loan amount you qualify for.

What Fair City Finance can offer you

Fair City Finance offer loans from $500 to $20 000 for whatever you choose to spend it on with flexible repayment terms.

If you are wanting home improvements, debt consolidation or a family holiday, there is a loan option for you. 

Receive your loan today!

What you would like to spend the money on is not part of the lender criteria to qualify for a loan, the choice of what you would like to spend the money on is yours. 

This is the perfect option for clients who would like some extra cash for recreational purposes, business loans and more. 

In a Nutshell

  •  Loan minimum $500
  •  Loan maximum $20 000
  •  Interest rate 14.95% to 19.19%
  •  Loan term minimum 6 months
  •  Loan term maximum 4 years
  •  Average processing time 90 minutes
  •  Online application
  •  Secured loan option

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. 

Receive your loan the same day

The application process is fast, simple and  cash loans can be paid within 90 minutes once a loan manager has contacted you. 

Easy online application form

The online application will only take you a few minutes to complete. It is designed to make the loan application as simple and straightforward as possible.

This helps you to obtain a personal loan in no time.

Applicants are required to be over the age of 18 unless they have a guarantor that is over the age of 18.

Eligibility & Requirements

  •  18 years or older
  •  Earning a stable income
  •  Active email address
  •  Can you provide security

Other Products & Services

  • Personal loans
  • Vehicle purchases
  • That little luxury like your jet ski, caravan, sound system or homeware
  • Home renovations, repairs and extensions
  • Paying for the unexpected: medical bills, dental bills, vet bills…
  • Back to School expenses
  • Urgent car repairs
  • A wedding or other family occasion
  • Refinancing an existing debt or loan
  • Debt consolidation – pay off those high interest rate credit cards

Contact Details

 Visit Website Apply Directly


 Physical Address

  • 3/11 Goulding Ave, Christchurch, Hornby, 8642, New Zealand

 Postal Address

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