After entering into a Debt Agreement (Part IX) it is not easy to obtain finance, but at Fair Go Finance we can help clients with adverse items such as debt agreements and bankruptcy on their credit file, with a bad credit loan.

Our bad credit loans are catered towards people with less than a perfect credit history.

A bad credit loan with Fair Go Finance can help you get the urgent funds you need and it can also help you re-establish your credit history.

Re-establishing your credit history with Fair Go Finance can help you in the future by giving you the chance to access finance from mainstream lenders.

Pavle, entered into a Part IX a few years ago, and was looking for a personal loan to urgently pay for his daughters braces. He decided it was also worthwhile to consolidate another debt he had remaining on his motorcycle so he wouldn’t have to worry about two separate loans. Pavle applied for a bad credit loan with Fair Go Finance, and got the funds he needed.

Pavle told us, “”The service was fantastic, the staff were very friendly and understanding, they made me feel like a person and not just a number.”

patient and dentist looking at x rays

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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.