Hart spent last season on loan with Italian side Torino after being told he no longer figured in the plans of City boss Pep Guardiola, and his future at the Etihad Stadium looked bleak again after returning from Serie A.
The England international opted for a loan move to West Ham, but says he would have cut all ties with City completely once it became clear he did not have a future.
"The permanent move was going to be difficult," Hart said to Sky Sports. "I don't think there were too many options for me to go on a permanent, if any. That was my ideal situation.
"When you've asked me questions I've always answered honestly, and ideally I wanted to be signing a permanent deal somewhere so I could set my life up and have a direction.
"When you become a professional footballer there is no written contract that says you have to play first-team football. It's a job at the end of the day but there are a lot of us, myself included, who just love playing football and I'm just lucky that it's my job.
"It's a short career. The money side of it is great and it is important, but at the end of the day I'm a young guy, I want to play football, that's all I want to do. If going on loan is what needs to happen then for me that's fine."