City Pac is your source for everything related to financial services which include home loans, car loans, salary sacrifice and short term pay day advances. Our broad range of services will ensure that you get the best deal on a financial product regardless of your needs. That’s the City Pac guarantee.
Before applying for finance it’s important to take a few considerations into mind and the team at City Pac has a 3 step approach to identifying how much you’re able to borrow and what the repayments should be.
Step 1 – We take a look at your credit history and determine whether you fall into low, medium or high risk categories. It’s important to understand that this has no bearing on your success when applying for a loan, it’s simple a way of figuring out what financial products we offer and suggest to you.
Step 2 – We talk with you about your current income and figure out a payment plan that will allow you to service the debt but not break the bank as well. For example, if you were in the market for a new car, we would use a few of our car loan calculators to figure out what type of repayment would suit you and over what length of time.
Sometimes it’s easy to pay a little bit more over 3 years where as other people opt to pay less and service the loan over a 5 year period. Our finance calculator take all of these factors plus many more into consideration.
Step 3 – We put you in contact with the best providers of new cars, new homes and salary sacrifice products in Australia. Our connections ensure your dollar goes that extra mile.