Looking for a fast & hassle-free car loan?

With so many car loan products out there, it's important to get a Fair Go!

  • Quick. Apply for $5,000-$20,000 in minutes.
  • Clever. We do the legwork for you, so you protect your credit rating.
  • Flexible. Competitive rates that are personally tailored to your credit profile.

Why choose Fair Go Finance?

Why choose Fair Go Finance?

Fair Go Finance Unique Selling Point

Customer Service

Real consultants to support you, plus a chatbot and online portal to help you manage your loan 24/7.

Fair Go Finance Unique Selling Point

Risk Based

Our car loans 4-tiered pricing means your unique credit profile can be rewarded. The better your credit profile, the better the rate you receive.

Fair Go Finance Unique Selling Point

Mates Rates Loyalty Program

We give back on all our loans! Our loyalty program offers you fast track benefits, future rate discounts and more.

Fair Go Finance Unique Selling Point

Protect & Boost Your Credit Score

To protect your credit rating, our preliminary offer won’t leave a footprint on your credit file. Plus pay your loan on time to boost your credit score.

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How can we help you?

Below you’ll find answers to the most frequently asked car loan questions

Apply Online

Apply for your car loan in minutes.

We understand how time consuming and confusing it can be to compare the many rates and features on different car loans, so let us do all of the legwork for you.

You can then focus on life’s other important things, like finding your perfect car!

At Fair Go Finance, we offer personalised car loans that accommodate the largest range of credit scores (from below average up to excellent) so you can feel confident you’ll be offered the best possible car loan for your needs and unique credit profile.

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Car loans you can use any way you like.

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 you can take out a small personal loan for car repairs, new tyres or your rego and insurance.

We have customers across Australia who come back to us time and again for loans ranging from $300 to $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 loans as quick, easy and flexible as possible.

Car Loan Rates and Features

Rates from (per annum)*


Comparison rate 




Maximum loan amount: $20,000

Minimum loan amount: $5,000

Maximum loan term: 5 years



Application fee: $550

Monthly fee:  Varies based on credit profile

Discharge fee: $125

*The actual interest rate applicable will depend on our assessment criteria. Comparison rates are based on a secured $10,000 loan over a 3 year term for a new car. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Maximum loan amount for applicants under 22 years of age is $15,000. **Other fees, charges and commissions may apply. 


How Fair Go Finance works?

With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.

How Fair Go Finance works

Apply in 6 Minutes

Choose your loan type and apply online.

How Fair Go Finance works

Get Instant Outcome

We'll process your application and advise an outcome immediately.

How Fair Go Finance works

Funded in Minutes

If approved, sign your contract and receive your funds in minutes.

Apply Online

See what our customers are saying

Read all reviews

Are you eligible to apply?

  • I am 18 years or older
  • I have not entered into bankruptcy or part 9 agreement within the last 12 months
  • I am willing to provide my Bank Statements online
Please note: Bank statements can only be submitted via our secure online service.