Deirdre had a number of bills she wanted to clear. She knew she would need a bad credit loan because she had been bankrupt in the past, which meant most main street banks would not consider her.

She googled “bad credit loan” and came across Fair Go Finance. She met the criteria for a bad credit loan, so immediately applied online using the easy online application process. When she received her instant conditional approval she was extremely happy and told us, “you were very helpful and I had a pleasant representative. I had good follow up and am very happy to have received the loan!”

Bad Credit Loans are suitable for people who have either:

▪      Paid Defaults

▪      Unpaid Defaults

▪      Bankruptcy or Part IX Debt Agreements (where you entered into bankruptcy more than 12 months ago)

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 $5,000. Repaying a loan with Fair Go Finance will assist 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. Come and learn more about a bad credit loan and how we 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.