Loans to Fund Your Next Car.
Borrow up to $24,000 for your next car, motorbike, caravan or boat. Get an Instant Decision and Drive Away Sooner
)
)
Why Choose Our Car Loans?
Need a car loan that fits your budget? Whether you're buying a new or used car or refinancing, we offer fast approvals, flexible terms, and no hidden fees—helping you get behind the wheel sooner.
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, boat, motorbike, jet ski, trailer or caravan.
Instant decision – Find out if you're approved in minutes.
Loans up to $24,000 – Borrow what you need with repayment terms that suit you.
Fast access to funds – Get your loan settled quickly so you can purchase your car sooner.
Fixed interest rates – Lock in your repayments for easy budgeting.
No hidden fees – No early exit fees or hidden charges.
We have customers across Australia who come back to us for secured car loans ranging from $5,000 – $24,000 to purchase or refinance their dream vehicle.
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.
Rates, Fees & Features
| Loan Amount | $5,000 - $24,000 |
|---|---|
| Average Term | 2 - 5 years |
| Application Fee* | $550 |
| Monthly Fee* | $15 - $28 |
| Discharge fee* | $125 |
| Interest Rate | 15.95% p.a - 27.99% p.a |
| Comparison Rates From | 26.99% p.a - 36.32% p.a |
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.
Examples
| $10,000 | $15,600 | $19,800 | |
|---|---|---|---|
| Average Term | 36 months | 42 months | 48 months |
| Fortnightly Repayment | $210 | $260 | $310 |
| Establishment Fee | $550 | $550 | $550 |
| Monthly Fee | $15 | $22 | $15 |
| Interest Rate Per Annum (APR) | 27.99% | 23.49% | 26.49% |
| Comparison Rate* | 35.23% | 32.02% | 33.73% |
* Comparison rates are based on a secured car loan of $10,000 over a term of 24 months. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How Much Can You Borrow?
We offer loan amounts from $3,000 to $24,000, with flexible repayment options
Get Approved in 3 Simple Steps
Apply online – It only takes a few minutes.
Get an instant decision – Know where you stand right away.
Access your funds fast – Once approved, funds are transferred so you can buy your car.
CHECK your eligibility before you apply
Find out your eligibility without affecting credit score
Need a personalised quote? Apply online or speak to our team today.
)
Ready to get started?
How to Apply
With no early payout fees, our flexible range of online loans are perfect for the changing needs of hardworking Aussies. And because our rates are personalised, they’re highly competitive, whatever your credit rating.
)
Apply Now
All it takes is 6 minutes with our secure online application form.
Accept Offer
If approved, accept your offer signing online with a secure SMS code.
Receive Finance
Your funds are transferred as cleared funds so you can start using it sooner.
Personalised Support
If you need a little help with anything, simply talk to our support team.
The Most Common Questions About Our Car Loans
Our car loans are secured personal loans ranging from $5,000 up to $24,000. They can be used to buy a car or any other type of vehicle that is registered. You can use your car loan to:
Buy a new or used vehicle privately or from a dealership
Refinance an existing vehicle loan
And you can complete our quick and easy online application form 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 or vehicle 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 for a large range of transport vehicles. Use your loan to pay for:
A new or used motorbike
A new or used boat
A new or used caravan or trailer
A new or used jet ski
Use our car loans for all sorts of registered vehicles – and it’s easy to apply – you can in a few minutes.
In a word, flexibility. At Fair Go, you can apply for a secured loan from $5,000 to $24,000 online, anytime. We also personalise the rates and terms on all of our loans to ensure we’re minimising the cost of your loan as much as we can.
Plus, you’re free to use your car loan for any car or vehicle purchase or refinance.
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. The choice is yours.
We’ve made applying for a car loan as quick and easy as possible. See for yourself. .
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, 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:
Apply online. You can up to $24,000. It only takes a few minutes and can be done from anywhere in Australia.
Accept your offer. If approved, our smart application process allows you to accept and sign your loan offer via SMS code. No printing. No signing. No scanning.
Receive your funds. We use real time funding so your loan funds can be transferred as cleared funds within minutes!
See how easy it is for yourself. .
If you’re at least 18 years of age and a permanent Australian resident, and you’re in regular paid employment, you can . You can apply for a small car loan through to a large car loan of $24,000.
If you currently have a bad credit score, it’s important to know 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. Once you know if and why you have a bad credit rating, it’s easier for us to advise you.
For all vehicle loans over $5,000 comprehensive car insurance is required.
Buying a new or used car with your credit card is costly, even with interest-free offers or the promise of points.
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. We always personalise our rates and terms to help minimise your borrowing costs.
A secured car loan is a loan where your car is used as security for the loan. Should you default against the loan and the situation is escalated, the lender can legally repossess the vehicle to repay the loan. When a car or vehicle is used to secure the loan, this can reduce the risk of the loan not being recovered, which can therefore help reduce the fees and interest rates.
A secured car loan uses an asset, like a car, as security for the loan. An unsecured car loan has no asset used as security against the loan, increasing the risk for the lender.
If you default on your payments with a secured loan and the situation is escalated, the car can be repossessed to repay the loan. With an unsecured loan, if the loan goes into default, there is nothing that can be repossessed to repay the loan.
Here at Fair Go Finance, if you apply for a car loan of $5,000 or more, it will be classed as a secured loan and your vehicle will be used as security.
Absolutely. That’s the beauty of our car loan product between $5,000 and $24,000. When you complete our application form, you simply enter the amount you wish to apply for – no car or vehicle details are required to begin with. That way, you can receive an indication of how much you’re able to borrow (in the form of a pre-approval) so you can confidently go looking for your dream vehicle.
Once you find the vehicle you want, you simply contact us with its details so a final credit check can be completed. If nothing has changed since you applied, your final loan offer can be emailed to you.
When you apply for a car or vehicle loan with us, we don’t require any vehicle details to be provided on the application form, you simply select how much you are interested in borrowing.
At this stage, we will do a soft credit check so there is no impact on your credit score. This simply helps us determine how much we may be able to lend you. We can then give you a conditional offer amount so you can start looking for a vehicle in that price range.
And it doesn’t have to be a car you’re interested in buying, it can be any vehicle such as a caravan, trailer, jet ski, boat or motorbike, just as long as it is properly registered.
Once you find the vehicle you wish to purchase, you can then provide us with its details and we’ll verify the vehicle’s value against your conditional offer and run a full credit enquiry.
If you’re purchasing a vehicle from a dealership, we will need an invoice from the dealership that contains the contract of sale, details about the car and the dealership’s bank account information.
If you’re purchasing a vehicle from a private seller, we will provide you with a blank tax invoice for you and the seller to use. We will also need to see the certificate of registration from the seller, and confirmation of the bank account details where the payment will be made to. Download the tax invoice here.
If everything is within our lending guidelines, we’ll send you the loan contract for you to sign. Once you sign the contract and send it back to us, we will transfer the funds to the dealership or private seller, and you can enjoy your new vehicle.
Please note we will need a certificate of insurance that shows one year of comprehensive coverage and that lists Fair Go Finance as the financial interest before we transfer the funds.
No stress. As part of your car and vehicle loan with Fair Go Finance, we offer a complimentary Car Concierge service to help take the stress out of finding your dream car. Ask our friendly staff about Car Concierge if your application is approved.