Our car loans are personal loans ranging from a small loan of $500, right up to a maximum of $10,000, that can be used to buy a new or used car or for anything else car-related. You can use your car loan to:

• Buy a new or used car privately or from a dealership
• Replace your tyres or carry out car repairs
• Pay for your car registration, insurance or roadside assistance

Use our car loan calculator to get an idea of how much you can afford to borrow or apply online for a car loan and get a conditional decision from our smart system in a matter of minutes.

Got a bad credit rating? Don’t worry, we may be able to help. If you’re worried your bad credit score will prevent you from taking out a car loan, talk to our friendly team on 1300 FAIR GO or contact us via live chat about our bad credit loans.

Yes, you can. In fact, we have customers across Australia who have used car loans to cover or spread the cost of a host of vehicle or travel expenses. You’re free to use your car loan to pay for:

• A new or used motorbike
• A new or used boat
• A new or used caravan or trailer
• Car hire costs during a holiday

Our customers use our car loans for all sorts of vehicle-related expenses. And it couldn’t be easier to apply – you can apply online for a car loan in a few minutes.

In a word, flexibility. At Fair Go, you can apply for a car loan of anything from $500 to $10,000 online, anytime. We also offer flexible rates and terms – we personalise the rates and terms on all our personal loans to ensure we’re minimising the cost of your car loan as much as we can.

Plus, you’re free to use your car loan for any car or vehicle purchase. In fact, you can use it to cover or spread the cost of any vehicle expense.

Put your car loan towards the cost of a new car or use your car loan to buy a used car. Buy a new or used motorbike, trailer or a caravan, like David in Queensland. Purchase privately or from a dealer. Take out a small car loan to pay for car repairs or your rego. The choice is yours.

We’ve made applying for a car loan as quick and easy as possible. See for yourself. Apply for a car loan right now.

Not all car loans are the same. So, whether you want to take out a loan to buy a new or used car, motorbike, caravan or trailer, or a small car loan to cover car repairs, modifications or your rego, it pays to take your time comparing car loans.

Read our blog post about what to look for (and out for) with car loans.

Very easy. As one of Australia’s largest non-bank personal loan lenders, we’ve used all our team’s finance and tech smarts to make applying for a car loan as quick, easy and secure as can be. It’s as easy as 1-2-3:

1. Apply online. You can apply online for a small or large car loan up to $10,000. It only takes a few minutes and you can track your application’s progress with our customer portal.
2. Accept your offer. Our smart application system will give you a conditional decision on your car loan in minutes, which you can accept via SMS. Our friendly team will contact you to verify your details over the phone. No printing. No signing. No scanning.
3. Receive your funds. If your application is formally approved, we’ll transfer your cash into your account overnight, so you can start looking for your new or used car, motorbike, caravan or trailer the next day.

See how easy it is for yourself. Apply online for your car loan.

If you’re at least 18 years of age and a permanent Australian resident, and you’re in regular paid employment (earning at least $500 per week), you can apply for a car loan right now. You can apply for a small car loan, starting at $500, through to a large car loan of $10,000.

If you have a bad credit score, there may be a limit to how much you can borrow and you may have to take out a secured car loan, where you use your car (or another asset) to secure your loan.

Talk to our team on 1300 FAIR GO or contact us via live chat if you’re worried that your bad credit rating may be an issue. Alternatively, watch our video about how to find out your credit score. Once you know, it’s easier for us to advise you if a bad credit loan would be your best option.

As one of Australia’s largest non-bank personal loan providers, we’re not just here to provide short-term loans. We’re committed to helping customers get the finance they need to get on with life, which means looking out for your best interest in the long term.

And if you have a less than ideal credit history, it’s a commitment that includes doing everything we can to help you get your credit history back on track, like we did for Mark from South Australia, who bought his dream car with a bad credit loan.

For more information, talk to our team on 1300 FAIR GO or contact us via live chat. It’s also worth watching our video about how to find out your credit score. Once you know if and why you have a bad credit rating, it’s easier for us to advise you.

Not necessarily. It depends on the size of your car loan. Here are our insurance requirements:

• Small car loans up to $5,000: Insurance is optional.
• Car loans between $5,001 to $7,000: Third party fire and theft insurance is required.
• Car loans between $7,001 and $10,000: Comprehensive car insurance is required.

Regardless of your car loan, we always recommend taking out car insurance. In fact, some of our customers take out small car loans to pay for their car insurance.

You could, but we think it’s a bad idea. Buying a new or used car with your credit card is a far riskier option, even with interest-free offers or the promise of points.

If you’re weighing up whether to use a credit card or take out a car loan to by a new or used car, please read our blog where we compare the costs and risks before you make your decision.

Not here. No hidden costs. No early payout fees. No nasty surprises. It’s all part of our responsible lending commitment – our commitment to always be fair, open and fully transparent with you.

As one of Australia’s largest non-bank personal loan lenders, we’re in it for the long haul. We’re here to help you get the cash you need to get on with life, without putting yourself or your budget under unnecessary stress.

That’s why so many of our customers across Australia have used our car loans time and again. We always personalise our rates and terms to minimise your borrowing costs, and as a returning customer you’ll enjoy even better rates and discounts.

Check out our car loan repayment calculator, which lays all our car loan fees and costs out for you, or apply for your car loan online and see how quick, easy, responsible lending works.