Matthew, from NSW, needed a personal loan to help him pay some unforeseen medical expenses. He knew his credit history was not great due to being bankrupt a number of years ago, so he searched online to find a lender who was willing to loan to people with bad credit.  Matthew found Fair Go Finance and was more than happy to complete the online application and offer his car as security for the loan. It was not long before Matthew had his loan approved and therefore could clear his outstanding medical bills.

Matthew told us, “Knowing that there are lending options available within reasonable terms for people like myself who have past finance issues is great. I never felt like I was being judged during the whole process.”

At Fair Go Finance we understand that people can get into difficult situations that cause them to have a bad credit. Fair Go Finance’s bad credit loans will suit you if you have one or more of the following:

  • Paid Defaults
  • Unpaid Defaults
  • Bankruptcy or Part IX Debt Agreements (where you entered into bankruptcy more than 12 months ago)

More Information about bad credit loans with Fair Go Finance:

  1. It is a personal loan up to $10,000.
  2. It has flexible repayment terms to suit you.
  3. It can be the first step towards re-establishing your credit history.
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.