Use your car loan 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, 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.

Rates, fees & features

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

How much can I borrow?

from $5,000 – $20,000

What is the loan terms?

from 2 – 5 years

*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 to Apply?

Fair Go Finance Unique Selling Point

Apply Online

All it takes is five minutes with our smart online application form.

Fair Go Finance Unique Selling Point

Accept Offer

Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.

Fair Go Finance Unique Selling Point

Receive Finance

Real-Time Funding will make sure your funds are transferred as cleared funds within 1 min, so you can start using it sooner!

Fair Go Finance Unique Selling Point

Personalised Support

If you need a little help with repayments, simply talk to our support team.

Apply Online

Why choose Fair Go Finance?

We’ve been giving our customers a Fair Go since 2008.

We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.

Fair Go Finance Unique Selling Point

Genuine Customer Service

Real and caring consultants to help you go forward.

Funded in minutes!

Apply, approved and funded in as little as 15 minutes

Fair Go Finance Unique Selling Point

Risk Based Pricing

Your credit profile is rewarded with tailored pricing.

Get more & pay less!

Save up to $115 on small loan
Save up to $357 on medium loan

Fair Go Finance Unique Selling Point

Mates Rates Loyalty Program

Enjoy rate and discount rewards for your loyalty.

Rewarded on return!

Returning customer gets up to $453 more on the second loan

Fair Go Finance Unique Selling Point

Boost Your Credit Score

Improve your financial future by repaying your loan with us.

Good credit, not bad!

65% of our customers enjoy a 42 point increase to their credit score.

Apply Online

The most common questions about our car loans

Apply for your car loan in minutes

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.

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 6 months
  • I am willing to provide my Bank Statements online
Please note: Bank statements can only be submitted via our secure online service.