Mark, from Kapunda, South Australia, needed a car and had his heart set on a Holden Commodore. He knew his credit rating was not so good due to some difficulties in the past, so he had to find a lender who could provide a bad credit car loan.  Fair Go Finance was his pick! He went online and completed the fast application form, and within minutes he was finished and already had an indicative approval.

When we asked Mark what he thought about the whole process, he told us, “It was a no fuss loan, with friendly helpful consultants.” Would he change anything? “Nothing! Always there when we need you. You are helpful to people with not so good history who are trying tor rebuild.”

What is a bad credit loan?

1. It is a personal loan up to $10,000.

2. It is a loan offered to customers with a bad credit history.

3. It has flexible repayment terms to suit you.

4. It can be the first step towards re-establishing your credit history.

Fair Go Finance tries to understand your current situation and approve the right size bad credit loan for you. We can lend you between $500 to $10,000. 
Repaying a loan with Fair Go Finance will assists you develop a positive credit rating so that when you need money in the future you can access it quickly and easily through us again.  Learn more about how our bad credit loans may be able to help you move forward.

Need up to $10,000?

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Are you eligible to apply?


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.

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.