Fair Go Finance helping you go forward.
Loans up to $10,000 with rates that reward your credit score.
- Personalised. Custom rates. Lower costs.
- Flexible. Up to $10,000 over 3-36 months
- Fast. Complete your application in minutes.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
How can we help you?
Below you’ll find answers to the most frequently asked personal loans questions
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 1) 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.
- Go forward with simple, easy and fast online loans – to help you.
- Go forward with competitive personal loans, both large and small – as low as 15.2% (comparison rate is 19.93%)*.
- Go forward with real people helping other real people. You talk, we listen.
- Go forward with fast cash loans that look after you. Your needs, your loan, your choice.
- Go forward with passionate people wanting to help support any financial journey from poor credit to good.
- Go forward with a transparent, honest and fair partner you can trust.
- Go forward with our promise that your information is secure and treated with total confidentiality.
- Do you want to consolidate your debt? We can help! Go forward with a Fair Go debt consolidation loan.
- Do you have a couple of blemishes on your credit file but find it hard to get a loan? No worries, our range of personal loans are designed for people with bad credit through to good credit.
- Are you thinking of travelling? Need a quick cash loan top-up to cover your expenses? With our easy online application and fast approvals, our holidays loans have you covered.
- For all things car related – whether you want to buy a car or need to cover car expenses like registration and insurance – we have unsecured and secured car loans.
- Are the wedding bells ringing and you need a little extra cash to ensure your day has a little extra magic? Our simple and fast online cash loans are perfect for you.
- Our medical loans and loans for dental costs can assist with elective surgery and cosmetic fees, helping you go forward to a brighter future. If it’s your fur baby or family pet who needs some help, we can help you go forward with a Fair Go vet loan.
- With an office based in Perth, our passionate team is dedicated to helping you go forward to a healthier financial future. Whatever your need, we can help with them all, and more!
- Fair Go Finance is Australia’s leading online lender. Our philosophy revolves around giving Australians a fair go, so we’ve made sure our online loan process is fast and simple. Making it easy to get a personal loan from as little as $500 to $10,000. Whether you need a quick, same day cash loan or a larger renovation loan, getting fast financing online has never been easier. Whatever type of personal loan you need, go forward with us today.
- See how Fair Go Finance compares with other small loan lenders!
- Did you know that as well as funding small personal loans online up to $5,000 we can also help with larger personal loans up to $10,000? We offer super competitive rates, lowest repayments and the longest terms to help maximise your borrowing power, because we recognise and reward your credit history and loyalty.
- Here are some useful tips to help you avoid a bad credit rating and make sure you are in the best financial shape to secure a large personal loan:
- Maintain good conduct on all your loans because missed repayments or frequent dishonours can work against you.
- Pay your bills on time because missed or late payments on bills can show unreliability.
- Look after your credit file. For example, making too many credit enquiries in a short space of time can negatively affect your credit score.
- Maintain good bank account conduct. Don’t allow your bank account to be overdrawn or have penalties charged. Look at your bank statements, how do they look to you?
- Be honest on your application. Your credit report and bank statements show what loans and debts you have, so it’s always best to be upfront and honest right from the start.
*Comparison rate based on an unsecured loan of $10,000 for a term of 3 years. Fees and charges are
Need a personal loan fast? Too easy.
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.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*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%.
Personal loans with personalised rates.
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!
Are you eligible to apply?
- I’m 18 years or older
- I’m employed (not self-employed)
- I’m paid $500 or more a week into my bank account
- My income is not solely from Centrelink
- I’ve not entered into bankruptcy or part 9 agreement within the last 12 months
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.