2020 Financial Services Winner of Australian Small Business Champion Awards

We're proud to announce Fair Go Finance have been awarded
"Best for Accessible Credit - Personal Loans" at the 2023 WeMoney awards.

Fast. Personalised. Finance.

Looking for fast, personalised finance?

If you're confident you have a good credit score, apply now.
Apply Now
OR

Want to know if you're eligible for a loan?

Our eligibility tool will not affect your credit score.
Check Your Eligibility

How Fair Go Finance works

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.

How Fair Go Finance works

Apply Now

All it takes is 6 minutes with our smart online application form.

How Fair Go Finance works

Accept Offer

If approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.

How Fair Go Finance works

Receive Finance

Real-Time Funding will make sure your funds are transferred as cleared funds so you can start using it sooner!

How Fair Go Finance works

Personalised Support

If you need a little help with anything, simply talk to our support team.

Apply Now

We Can Help You

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.

Go Forward

Credit Score Boost Winner November-2023

Our November’s winner Jane from NSW boosted his credit score by a whopping 174 points within 6 months.

Yay for being a winner!

View our past winners and their stories

Do You Know Your Loan Eligibility?

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 Eligibility

65 %

of our customers enjoy a 42 point increase to their credit score.

How can we help you?

Apply Now

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!
Fair Go Finance Phone Application

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

3 – 12 Months

 

Typical Establishment Fee

$50 – $400

 

Monthly Fee

$10 – $80

 

Interest Rate Per Annum

0%

 

Comparison Rate

N/A

$500 repayment example

 

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

Medium Amount Loans

 

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%

$2250 repayment example

 

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%.

 
 

Why choose Fair Go Finance?

We’ve been giving our customers a Fair Go since 2008.

We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.

Fair Go Finance Unique Selling Point

Genuine Customer Service

Real and caring consultants to help you go forward.
Funded in minutes!

Apply, approved and funded in as little as 6 minutes

Fair Go Finance Unique Selling Point

Customised Pricing

Your credit profile is rewarded with tailored pricing.
Get more & pay less.

Save up to $115 on a small loan
Save up to $357 on a medium loan

Fair Go Finance Unique Selling Point

Loyalty Rewards Program

Enjoy rate and discount rewards for your loyalty.
Rewarded on your return!

Returning customer gets up to $453 more on the second loan

Fair Go Finance Unique Selling Point

Boost Your Credit Score

Improve your financial future by repaying your loan with us.
Good credit, not bad!

65% of our customers enjoy a 42 point increase to their credit score.

Apply Now
Couple Painting Walls got an apartment using a bond loan

See what our customers are saying

Read all reviews

Are you eligible to apply?

  • I am 18 years or older
  • I have not entered into bankruptcy or part 9 agreement within the last 6 months
  • I am willing to provide my Bank Statements online
  • My income is not solely from Centrelink
Please note: Bank statements can only be submitted via our secure online service.