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.

How it works

Don’t shop around and risk unnecessary damage to your credit score.  Get a Fair Go with us! Our low interest rates are personalised, so they’re highly competitive, whatever your credit rating.

Apply in 5 Minutes

Choose your $5,000-$20,000 car loan and apply online.

Get a Decision

We'll contact you, verify your details and give you an answer.

Real Time Funding

Electronically sign your contract using a SMS code and drive away in your new car!

How can we help you?

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

Apply Online

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. 

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.

Apply Now!

See what our customers are saying

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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.