Rating based on 33 reviews

Fair City Finance


  • Low-interest starting from 14.95%
  • Personal loans up to $20,000
  • Repayment up to 4 years

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Fair City Finance homepage

Author Fair City Finance. Screenshot of Fair City Finance website. [Accessed May 23, 2018]

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 personalized service at Fair City Finance.

'Five points' promise

Flexible repayment terms, same-day loan approval and fast, hassle-free application processes, affordable rates, and quick payouts, are the ‘Five Point’ promise made by us to our valuable clients. The convenient personal loan calculator can assist you to determine the loan amount you qualify for.

What Fair City Finance can offer you

Fair City Finance offers 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 lending 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.

Fair City Finance Product Details

  • Loan Type Personal loans
  • Interest Rate 14.95 – 19.19% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 4 years
  • Decision 90 minutes

Our personal loans has they lowest interest rates

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 quick 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.

We can assist you with your loan

We are here for you when you apply for one of our online loans. We will help you with your questionnaire online. Perhaps you have a question about your online application then we will assist you.  You can contact us and we will be there for you. If you need to contact us regarding your online application all you have to do is phone the numbers on the page below or email us.

Whatever loan you need we will find it for you

We know that sometimes we need a break a holiday and that is why we offer you all the loan types that you will need or what. Perhaps you are looking at getting a new car then we have the loan for you or perhaps you have medical expenses that you would like to pay. Yes, we offer you the loans to do that. You can even look at our loan calculator and find out which loan would suit your needs.

Our interest rates and admin fees

Our admin fees are different for the loan that you would like to take out as well as our rates they will depend on the loan that you would be taking out or whether or not you would be a high-risk client.

Customer Reviews & Testimonials

October 2020

I needed a loan quickly, and with Fair City Finance, I was helped quickly. I am impressed with the quality of the service

Neil J
— Chirstchurch —

November 2020

I'm happy with the low interest rates of my personal loan. I applied online, it was so convenient and within a few minutes i received the outcome of my loan application

Kevin O
— Auckland —

June 2021

I applied with Fair City Finance, I got a quick loan service. The loan is affordable and fits into my budget

Martin P
— Nelson —

Fair City Finance Contact Details

Contact Number



Physical Address

Postal Address

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

Opening Hours

  • not available