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Fair City Finance interest rates for loans range from 14.95% to 19.95% per annum. Loans are required to be repaid by equal instalments of principal and interest over terms of between six months and four years. Establishment fees vary based on the new loan amount. Full details of all fees are available here.

A $5,000 loan repayable over three years at an interest rate of 18.00%pa. An establishment fee of $220 and administration fee of $2 per week ($312). 156 weekly instalments of $45.36 each would be required to repay the loan. Total interest would be $1,544.16 making the total payable $7,076.16. The maximum APR inclusive of fees is 24.55%.