Are you looking for a bad credit car loan because you have declared bankruptcy or have a part 1X debt agreement? Here at Fair Go Finance we can provide bad credit car loans up to $5,000. To know if you could be eligible to apply, you firstly need to answer “yes” to the following 3 questions:

1. If bankrupt, did you declare bankruptcy 12 months (or more) ago?

If you did, then you meet our first criteria to apply for a bad credit car loan.

2. Are you employed and earn more than $500 per week?

If you are employed, we can accept full-time, part-time, casual and contract employment. For full-time and part-time employed you cannot be on probation, and for casual you need to have been in your position for a minimum of 6 months.

3.  Are you over 18 and live in Australia?

As long as you are over 18 and are an Australian Citizen, Australian Permanent Resident or hold either a sponsorship or 457 visa, you are eligible to apply for a bad credit loan with us.

So how do I apply for a bad credit loan with Fair Go Finance?

To apply for a bad credit car loan with us, you just need to complete our online application form. It should only take you about 5 minutes. It’s important you complete it as accurately as possible, so make sure you can complete your income and expenses confidently and tell us if you are a declared bankrupt or on a part 1X debt agreement.

What paperwork will I need to provide for a bad credit loan with Fair Go Finance?

We will need to confirm your ID, address and income. So you can provide either your medicare card or drivers licence for ID. For your address you can provide either a utility bill or rental agreement and for your income we will need one payslip and 3 months of recent bank statements.

What else should I know about getting a bad credit loan?

At Fair Go Finance we are dedicated to being a responsible lender, so based on all the information you provide us we will complete an affordability calculation to ensure this new loan won’t cause you any financial hardship. We want to be as transparent as possible, so we have provided a lot of information on our website such as document checklists, tips for applying and FAQ’s that we hope can help customers understand what is involved with getting a bad credit car loan. We hope this has helped you to understand whether or not you are eligible to apply for a bad credit car loan with us. If you are still unsure or would like to discuss your individual situation with us before completing our online application, we welcome you to contact us. You can message us on live chat during business hours, email us or phone us – we are here to help and hopefully we can!

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.