At Fair City Finance, we believe knowledge is power. Therefore, we always aim to give you as much information as we can about the products and services we offer, to enable you to make the right decision for your financial needs.

Here are some commonly asked questions we deal with every day:

FAQ: How much money can I borrow?

Our loans start from $800. We can advise your maximum limit over the phone once we have assessed your individual situation.

FAQ: How quickly can my loan be approved and money transferred into my account?

We can approve your loan over the phone and provide funds in as little as 24 hours. Regular length of time is between 24 to 72 hours.

FAQ: I'm self employed and am finding it difficult to provide all the banks documentation to get a loan. Can you help?

We certainly can. Unlike the banks, we don't penalise you for being self employed and we won't slug you with a higher rate of interest. We have a range of specialist loan options that we can discuss with you.

FAQ: I have previously defaulted and am embarrassed about having a bad credit rating. What are my options now?

This is a common scenario - you are not alone. We understand sometimes life can throw tough times at us, and you may have had difficulty with making payments on time. Our consultants will look at your situation and discuss the best finance solutions available to you.

FAQ: I am in arrears with my home loan. How do I get myself and my repayments back on track?

We specialise in helping get people out of arrears. A large percentage of our clientele experience falling behind with their mortgage payments when they come to us.

FAQ: Are there any costs involved in taking out a loan?

We will cover any up front costs that may be incurred and recover them once your loan is settled.

FAQ: Do you lend to people living in rural areas?

We service the entirety of Canterbury in both urban and rural locations. We can talk to you if you are outside this area.

FAQ: I have a number of credit card debts, a mortgage and a car loan and am paying off so much interest, that the original debts don't seem to be going down. Is there a better way?

We will always try to find the best repayment plan for you. Debt consolidation would be an ideal option to reduce the interest and save you thousands. Refinancing is another great alternative.

FAQ: What is Debt Consolidation? How Can a Debt Consolidation Loan Help Me?

Debt consolidation is the process of taking two or more loans and combining them into a single loan (a 'debt consolidation loan') that can help you to save money by reducing the amount of interest you pay, reduce repayment periods and improve personal cash-flow. Debt consolidation also makes your life a little easier by giving you one easy-to-manage repayment. A debt consolidation loan can pay off your credit cards, personal loans and even your home loan, and provides you with greater financial freedom. Contact Fair City Finance right away to learn about your options for debt consolidation.

FAQ: What is credit card consolidation?

Credit card consolidation is simply taking out one loan (a debt consolidation loan) for the purpose of paying off two, or several credit card debts.

FAQ: I'm getting weird results when I first try to Apply!

This is probably because your browser has "cached" (stored) previous web pages on your local computer.
First option here is to try the F5 button, or View/Refresh.
If that still has no effect, the answer gets complicated, depending on what browser you are using.

For Internet Explorer:
Go into Tools/Internet Options/Browsing History/Delete.
Click "Preserve Favorite...." and "Temporary Internet Files" ONLY (you do not want to lose your favourite cookies)
Click "Delete"

For Firefox :
Go into Tools/Options/Advanced/Network/Offline Storage and click "Clear Now"

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