When you take out a loan with us, you’re in the driver’s seat. You can use it to buy a new or used car. Or a new or used motorbike, trailer or caravan. Or, take out a small personal loan for car repairs, new tyres, rego or your insurance.
We have customers across Australia who come back to us for loans ranging from $300 – $20,000 – loans they’ve used for a host of vehicle-related expenses.
And as one of Australia’s largest non-bank lenders, we’ve used all our finance and tech smarts to make our easy car loans as quick and flexible as possible.
from 15.95% - 26.31%
Our rate per annum* starts from 15.95%
Application fee**: $550
Monthly fee**: Varies based on credit profile
Discharge fee**: $125
from $5,000 – $20,000
from 2 – 5 years
All it takes is five minutes with our smart online application form.
Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Real-Time Funding will make sure your funds are transferred as cleared funds within 1 min, so you can start using it sooner!
If you need a little help with repayments, simply talk to our support team.
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Real and caring consultants to help you go forward.
Apply, approved and funded in as little as 15 minutes
Your credit profile is rewarded with tailored pricing.
Save up to $115 on small loan
Save up to $357 on medium loan
Enjoy rate and discount rewards for your loyalty.
Returning customer gets up to $453 more on the second loan
Improve your financial future by repaying your loan with us.
65% of our customers enjoy a 42 point increase to their credit score.
Our car loans go up to a maximum of $20,000 and can be used for a new or used car. With a Fair Go Finance car loan, you can:
And you can complete our quick and easy online application form in a matter of minutes.
Haven’t found your car just yet? That’s OK. You can still apply to establish what amount you may be able to borrow, so you can then shop with confidence.
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 324 746 or contact us via live chat about our bad credit loans.
Yes, you can. In fact, we have customers across Australia who have used our loans to cover or spread the cost of a host of vehicle or travel expenses. Use your loan to pay for:
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 loan from $500 to $20,000 online, anytime. We also personalise the rates and terms on all of our 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 and 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:
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, you can apply for a car loan right now. You can apply for a small car loan through to a large car loan of $20,000.
If you currently have a bad credit score, there may be a limit to how much you can borrow.
Talk to our team on 1300 324 746 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, by starting with a bad credit loan.
For more information, talk to our team on 1300 324 746 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:
Whatever your car loan amount, it is always a good idea to take out car insurance. In fact, we provide many customers with small personal loans to assist with all types of car related expenses, including 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 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.
At Fair Go Finance, we offer personalised car loans that accommodate the largest range of credit scores (from below average up to excellent). You can feel confident you’ll be offered the best possible car loan for your needs and unique credit profile.