Christopher, in Victoria, applied for a bad credit loan with Fair Go Finance to re-establish his credit history.

Christopher knew he had a couple of old defaults on his credit file which affected his credit rating, and his ability to be approved for a loan.

He knew bad credit loans were for people with adverse items on their credit file, including defaults like his, and wanted to clear some outstanding bills, so he searched online for a bad credit loan lender and came across Fair Go Finance.

He applied online, and was approved a bad credit loan with Fair Go Finance. It meant Christopher could clear his bills and begin to re-establish his credit file. By repaying his loan on time, he could now have the ability to show lenders and service providers that he has the capacity and commitment to repay a loan.

Christopher told us; “The staff at Fair Go Finance understood my past financial situation; they were very helpful and professional. Thank you!”

Fair Go Finance’s Bad Credit Loan product may suit you if you have one or more of the following:

  • Paid Defaults
  • Unpaid Defaults
  • Bankruptcy or Part 1X debt agreements (where you entered into bankruptcy more than 12 months ago)

If you’re ready to move forward and would like a bad credit loan to get back on track, why not consider Fair Go Finance? We’re here to help!

struggling with finance

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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.