Bond Loans
Instant Bond Loans up to $10,000 to Help you cover Moving Expenses, Interest-Free for 21 days
Make your moving experience hassle-free with a Fair Go Finance bond loan. Apply for a rental bond up to $10,000 and take advantage of our 21 days interest-free loan.
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Flexible
Borrow from $500 to $10,000.
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Clever
Repay it within 21 days and pay zero fees.
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Personal
Talk to our friendly Australian team.
Moving house is never easy, but our rental bond loans help.
Don’t let the name of our rental bond loans fool you. Our customers across Australia take out our bond loans to cover all kinds of expenses when they’re moving house. And there are so many expenses to cover, whether you’re buying a house or moving into a rental.
It’s a busy and stressful time, which is why we’ve used all our finance and tech smarts to make taking out a house bond loan quick, easy and secure. Our online application process enables our friendly team to give you a conditional decision on your application in hours and, if your application is formally approved, we can transfer your cash overnight.
But as one of Australia’s largest non-bank personal loan lenders, we aren’t here to simply help you meet your short-term cash needs. We’re here for you in the long term, as a responsible lender, personalising our rates and terms to minimise your borrowing costs.
Loan Calculator
*Includes an interest rate of XX.XX% (Comparison Rate of XX.XX%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates (APR), fees & features
| SMALL Amount Loans | MEDIUM Amount Loans | LARGE Amount Loans | |
|---|---|---|---|
| Loan Amounts | $500 - $2,000 | $2,050 - $5,000 | $5,050 - $10,000 |
| Average Term | 3 – 12 months | 7 – 19 months | 14 – 24 months |
| Typical Establishment Fee | $60 – $400 | $437 – $771 | $546 – $795 |
| Monthly Fee | $15 – $80 | $10 - $14 | $9 - $14 |
| Interest Rate Per Annum (APR) * | N/A | 23.31% - 29.90% | 21.90% - 25.90% |
| Comparison Rate ** | N/A | 50.05% - 65.88% | 27.54% - 33.80% |
*For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
| EXAMPLES | $1,350 | $3,600 | $6,900 |
|---|---|---|---|
| Average Term | 8 months | 13 months | 18 months |
| Repayment Per Week | $48 | $90 | $119 |
| Establishment Fee | $265 | $627 | $595 |
| Monthly Fee | $50 | $11 | $14 |
| Interest Rate Per Annum (APR) | N/A | 27.49% | 21.90% |
| Comparison Rate | N/A | 60.61% 2 | 28.87% 3 |
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How to Apply
1 
Apply Online
All it takes is 6 minutes with our smart online application form.
2 
Accept Offer
If approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
3 
Receive Finance
Real-Time Funding will make sure your funds are transferred as cleared funds so you can start using it sooner!
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Personalised Support
If you need a little help with anything, simply talk to our support team.
Why choose Fair Go Finance?
We’ve been giving our customers a Fair Go since 2008.
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Genuine Customer Service
Real and caring consultants to help you go forward. Funded in minutes!
Apply, approved and funded in as little as 6 minutes
Customised Pricing
Your credit profile is rewarded with tailored pricing. Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Loyalty Rewards Program
Enjoy rate and discount rewards for your loyalty. Rewarded on your return!
Returning customer gets up to $453 more on the second loan
Boost Your Credit Score
Improve your financial future by repaying your loan with us. Good credit, not bad!
65% of our customers enjoy a 42 point increase to their credit score.
Genuine Customer Service
Real and caring consultants to help you go forward. Funded in minutes!
Apply, approved and funded in as little as 6 minutes
Customised Pricing
Your credit profile is rewarded with tailored pricing. Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Loyalty Rewards Program
Enjoy rate and discount rewards for your loyalty. Rewarded on your return!
Returning customer gets up to $453 more on the second loan
Boost Your Credit Score
Improve your financial future by repaying your loan with us. Good credit, not bad!
65% of our customers enjoy a 42 point increase to their credit score.
How can we help you?
Below you’ll find answers to the most frequently asked bond loan questions
A bond loan (also known as rental bond loan or moving house loan) is a short term loan that can be used to pay a rental bond, cover moving expenses or pay your rent in advance.
Whether you’re buying a new house or moving into a rental, moving isn’t cheap or easy. Juggling your budget and cashflow can be difficult, especially if you’re moving from one rental to another – you’ll probably have to pay the bond on your new rental house before you get the bond from your old rental back. Then there’s the rent you have to pay upfront.
At Fair Go, we get it. And we’re here to make the transition a little less stressful with a quick and easy cash loan to tide you over. Read more about how you can use a bond or moving house loan, as well as our tips on ensuring you have the furniture you need for your new house.
If you are applying for a bond loan, you can take advantage of our 21 day interest-free loan. This works well if you expect to receive a previous bond back or may be receiving other funds.
It works like this. If you pay the entire loan back within 21 days since it was funded, we will reverse all of your fees and interest for this loan. You can also benefit from reduced fees and charges if you make a part-payment within the first 21 days.
For example, if you take out a $2,000 bond loan, and repay $1,000 back within 21 days of it being funded, you will only pay the costs associated with a $1,000 loan. (I.e. your fees will be reduced by half and you will receive a rebate.)
You can use bond or moving house loans to cover or spread the cost of:
- The rental bond on a rental house
- Buying furniture or appliances for your new home
- Removalists or general moving costs
- Any expenses that crop up when you’re moving house
In short, you can use your loan for anything – there are so many costs when you’re moving home and you can find yourself needing cash fast. That’s why we’ve made the application process for a bond or moving house loan so easy.
If you have a bad credit rating, talk to our friendly team on 1300 324 746 or contact us via live chat. We may be able to help you move home with one of our bad credit loans.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
- Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
- A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
- Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
- Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
Moving home is often time sensitive, whether you’re buying a home or moving into a rental house, so you may need extra cash fast. Our online loan application process is 100% online and designed to minimise paperwork and the time it takes to get the money you need to move on.
The first thing you need to do is complete your bond loan application using our secure online application system. Our smart system will give you a conditional decision in minutes. Then, our friendly team will call you to complete the assessment of your application.
Assuming your application is formally approved, we’ll transfer your cash straight away, usually overnight. The whole process often takes just 24-48 hours.
It all depends on your current situation, but we often help people with bad credit ratings get the loans they need and get their bad credit history back on track.
That’s our mission at Fair Go. We’re here to help you move forward, with quick, easy, responsible loans that we personalise to minimise your borrowing costs and help you get on with life.
Talk to our friendly team on 1300 324 746 or contact us via live chat to find out if we can help you get a competitive bond loan, or read about our bad credit loans.
We’ve used all our team’s finance and tech smarts to make our online application process as quick and easy as possible. We can take customers from application to assessment to transferring funds in 24-48 hours. But the sooner you make your application, the better.
Whether you’re moving to a rental house for the first time or moving from one rental to another rental, it can be a stressful time. So, make it easy on yourself. We recommend that you complete your application for a bond loan before you sign your rental agreement.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.
Want even better fees on your bond loan?
We tailor our rates and terms to give you the best deal we can. And when you come back for your next loan, as so many of our customers do, you can enjoy even better rates, lower fees and an even faster express application process.
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Are you eligible to apply?
- I am 18 years or older
- I have not entered into bankruptcy or part 9 agreement within the last 6 months
- I am willing to provide my Bank Statements online
- My income is not solely from Centrelink
Please note: Bank statements can only be submitted via our secure online service.