We're proud to announce Fair Go Finance have been awarded
"Best for Accessible Credit - Personal Loans" at the 2023 WeMoney awards.
With no early payout fees, our flexible range of online loans are perfect for the changing needs of hardworking Aussies. And because our rates are personalised, they’re highly competitve, whatever your credit rating.
All it takes is 6 minutes with our smart online application form.
If approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Real-Time Funding will make sure your funds are transferred as cleared funds so you can start using it sooner!
If you need a little help with anything, simply talk to our support team.
If you have bad credit history, but you’re in need of a personal loan, you have come to the right place.
We can get you on a path to better credit.
Our October’s winner Ricky from NSW boosted his credit score by a whopping 193 points within 6 months.
Thank you so much, feels great to win something!
Before you apply for a loan, we understand you would like to know if you are eligible for a loan and how much you can apply for.
Checking your eligibility DOES NOT AFFECT your credit score.
Check Your Eligibility65 %
of our customers enjoy a 42 point increase to their credit score.
We understand that Coronavirus (COVID-19) is having an impact on our community and that it could affect your financial wellbeing. During this time of uncertainly, Fair Go Finance is committed to working with customers to find quality solutions. To find out how we can assist you, visit https://www.fairgofinance.com.au/covid-19-support-for-our-customers/.
If you have already been affected by COVID-19 and are worried about managing your next loan payments, please call us on 1300 324 746 (option 7) or send us an email to customercare@fairgofinance.com.au. We appreciate your patience and understanding as our servicing team is experiencing higher than normal call volumes.
Yes, each credit product that you’ve had in the last two years will show up in your credit report. For example, if you took out a personal loan, your credit report would show the personal loan, the loan provider, the loan amount and the opening and closing dates.
It’s simple, the only documents you need to share are your bank statements for the last 90 days. You will also be asked to provide either your driver’s license number or your Medicare card number just for ID purposes.
We personalise our rates and terms to maximise your borrowing power and minimise your borrowing costs. And when you return, as so many of our customers do, we’ll reward you with even better rates on your next personal loan.
Apply Now!Fair Go Finance was born out of a simple vision – to be there for those who couldn’t get a fair go from other loan providers. Our passion is to help everyday Australians, like you, find the right personal loan at a fair deal and support you through the entire loan experience and beyond.
We provide quick and easy loans for pretty much everything – we’re here to help you get the cash you need to get on with life, without putting yourself or your household budget under unnecessary pressure. It’s all part of our responsible lending commitment.
It’s this commitment to looking after your best interests and providing a quick and easy online experience that’s enabled us to become one of Australia’s largest non-bank personal loan lenders.
Loan Amounts
$500 – $2,000
Average Term
3 – 12 Months
Typical Establishment Fee
$50 – $400
Monthly Fee
$10 – $80
Interest Rate Per Annum
0%
Comparison Rate
N/A
Average Term
3 – 6 months
Repayment Per Week*
$24 – $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Loan Amounts
$2,250 – $5,000
Average Term
6 – 18 Months
Typical Establishment Fee
$394 – $771
Monthly Fee
$9
Interest Rate Per Annum
17.2% – 29.9%
Comparison Rate
39.61% – 64.41%
Average Term
3 – 18 months
Repayment Per Week*
$51 – $118
Establishment Fee
$394 – $535
Monthly Fee
$9
Interest Rate Per Annum
17.2% – 27.5%
Comparison Rate
39.61% – 56.65%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500-$2000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Apply, approved and funded in as little as 6 minutes
Save up to $115 on a small loan
Save up to $357 on a medium loan
Returning customer gets up to $453 more on the second loan
65% of our customers enjoy a 42 point increase to their credit score.