Quick loans for car repairs and all vehicle expenses

If you need money for car repairs or any car or vehicle expense, including crash repairs, tyres or even insurance costs, apply online anywhere in Australia within 5 minutes with us, for up to $10,000.

What about bad credit car repairs? Yes, we offer car repair loans for bad credit too.

Our online loans are easy, flexible and you can receive your funds that same day – even within one hour if you need up to $5,000 and are successfully auto-approved.

Rates & fees


Amount Loans
Amount Loans
Amount Loans
Loan Amounts $300 – $2,000 $2,050 – $5,000 $5,050 – $10,000
Average Term 1 – 12 months 6 – 24 months 9 – 36 months
Typical Establishment Fee* $0 – $400 $394 – $771 $536 – $662
Monthly Fee $0 – $80 $9 $10
Interest Rate Per Annum (APR) N/A 17.20% – 29.90% 15.92% – 19.90%
Comparison Rate 40.08% – 73.06% 39.61% – 64.52% 21.65% – 26.55%
* This $0 limited offer is currently for good credit customers in recognition of their good credit history. Minimum loan term 1 month. Maximum loan term 36 months. For our loans of $300 to $2,000 an APR (Annual Percentage Rate) does not 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 us

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

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
  • My income is not solely from Centrelink
Please note: Bank statements can only be submitted via our secure online service.


Please be aware our phone lines are temporarily down. Whilst they are being fixed, please contact us either via our Chat function or you're welcome to email us at apply@fairgofinance.com.au and we will be happy to assist you. We apologise for the inconvenience and hope to have this rectified soon.