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 6 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.
|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%|
|Average Term||7 months||12 months||17 months|
|Repayment Per Week||$56||$74||$102|
|Interest Rate Per Annum (APR)||N/A||24.51%||19.75%|
|Comparison Rate||73.06% 1||51.03% 2||24.98% 3|
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Apply, approved and funded in as little as 6 minutes
Save up to $115 on a small loan
Save up to $357 on a medium loan
Returning customer gets up to $453 more on the second loan
65% of our customers enjoy a 42 point increase to their credit score.
Yes, you can. Our loans are affordable and incredibly flexible. Use the funds for any expense such as:
Yes, our auto repair loans are completely flexible and can be also used to help with other registerable vehicles such as motorbikes, boat, trailers etc.
Yes, a car repair loan or a car expenses loan are both personal loans. Generally, they are unsecured loans, which means you don’t need to provide your vehicle as security for the loan.
The loan repayments are calculated based on your individual financial situation to ensure they are affordable to you. The repayments will be fixed over a term so they can be easily budgeted for, and by repaying your loan successfully, you will also have the ability to improve your credit score because of our adoption of Comprehensive Credit Reporting.
Yes, absolutely. If you prefer the ability to access an ongoing limit, you’re welcome to apply for our Line of Credit facility. Just like our personal loans, our Line of Credit has competitive rates that are tailored to your credit profile and history.
With our latest tech smarts, it is now possible to apply online within 5 minutes and have your money for car repairs in your account within an hour for our auto-approved loans up to $5,000 – 24 hours a day, 7 days a week.
For larger loans up to $10,000, or if we need to clarify more information from you, the entire online application will still only take 5 minutes. As soon as we can finalise the last details with you, this will then determine when the auto repair loan funds can be transferred, if approved. And more good news is that we have real-time funding, so if your loan is approved, we are able to transfer your cleared funds within minutes.
Yes, at Fair Go Finance we can offer car repair loans to customers with certain levels of bad credit. We understand events in the past may have impacted your credit, which is why we will take into account your recent conduct on your bank statements to give us a good understanding of your current financial situation.
If you’d prefer to discuss your situation before you submit an application, you’re always welcome to get in touch with our friendly staff.
And if you do currently have bad credit, don’t forget it is possible to turn bad credit to good credit – and you can begin to fix it – starting today.
Yes, definitely. At Fair Go Finance we provide ongoing value to our customers which includes risk-based pricing. The better your credit profile, the better the rates you can be eligible for. As an example, for loans up to $2,000 you can secure a 0% establishment fee – a savings of up to $400 compared to our small loan competitors who charge a flat 20% establishment fee, regardless of your credit profile.
Our quick car repair loans are unsecured, which means it isn’t necessary to provide your vehicle as security for the loan. In certain situations, you may wish to provide your vehicle as security to help strengthen your application or secure a larger loan amount, but we can discuss this with you at the time of your application.
No. We understand you will want to make sure you are happy with the repairs before paying the mechanic, so we will transfer the loan funds directly as cleared funds to your account for you to transfer at your convenience.
If your loan is approved, your credit consultant will notify you and will be able to transfer your funds that same day. To ensure you receive your funds as fast as possible, please make sure you supply all of the information you’ve been asked for as quickly as possible.
No. At Fair Go Finance we are completely transparent with our loan costs. If you are able to repay your loan for car repairs earlier than expected, we are fully supportive of you doing so, as it can also help you save on interest.