Get a fast, personalised cash loan.
Quick online cash loans that are secure, responsible and fast. Like ‘same day’ fast.
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Flexible
$300-$10,000 over 3-36 months
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Competitive
Personalised rates. Low costs
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Fast
It only takes 6 minutes to apply online.
Get a same day cash loan decision.
Discover why customers across Australia rely on our friendly team to provide the right quick cash loan. See for yourself just how quick and easy it is to apply for a loan online, or call us on 1300 324 746 or talk to our team via live chat if you have a cash loan question.
Loan Calculator
*Includes an interest rate of XX.XX% (Comparison Rate of XX.XX%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates (APR), fees & features
| SMALL Amount Loans | MEDIUM Amount Loans | LARGE 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% |
*For our loans of $300 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
| EXAMPLES | $1600 | $3,050 | $6,550 |
|---|---|---|---|
| Average Term | 8 months | 12 months | 17 months |
| Repayment Per Week | $68 | $71 | $99 |
| Establishment Fee | $278 | $495 | $561 |
| Monthly Fee | $56 | $9 | $10 |
| Interest Rate Per Annum (APR) | N/A | 26.09% | 19.14% |
| Comparison Rate | 73.06% 1 | 52.66% 2 | 24.94% 3 |
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 36 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 36 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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.
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
Risk Based Pricing
Your credit profile is rewarded with tailored pricing. Rewarded on return!
Save up to $115 on small loan
Save up to $357 on medium loan
Mates Rates Loyalty Program
Enjoy rate and discount rewards for your loyalty. Get more & pay less!
Returning customer gets up to $453 more on the second loan
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.
How can we help you?
Below you’ll find answers to the most frequently asked cash loan questions
A cash loan is simply a personal loan. At Fair Go, we provide cash loans for anything from $500 up to $10,000, which you can use to cover unexpected expenses or bills, or to simply buy something you want or need – a car, appliances, a holiday, the choice is yours.
You can apply for your cash loan online. It’s a quick, easy process that enables us to assess your application and give you conditional approval on your cash loan, fast – if not the same day, then within 24 hours.
We can even help you secure a quick cash loan if you have a less than ideal credit rating. We’ll work with you to try and find a solution that works for you and doesn’t put you under financial stress. So, you can take out a short-term cash loan without having to worry about the long-term consequences.
Worried about your credit history? Find out about our bad credit loans.
Right here, right now! You can apply for your cash loan online, fast – it only takes a few minutes and then you can track your application’s progress through our portal. We’ll assess your application ASAP, if not the same day, then within 24 hours.
That’s the beauty of our quick cash loans. It’s a fast, paperless process and our friendly team is based here in Australia, so we’re just a call or click away if you need help. No unnecessary delays or paperwork.
We provide cash loans for all sorts of people all over Australia. To apply for a cash loan, you’ll need to be at least 18 years of age and a permanent Australian resident, with a regular salary or income.
Worried that your bad credit history will prevent you from taking out a cash loan? Don’t fret, we’re here to help you get a fair go and your credit history back on track. Find out about our bad credit loans.
We offer quick cash loans from $300 up to $10,000 and, depending on your situation and credit history, you can repay your loan over anything from three months to 36 months.
In a word, anything! Our customers use quick cash loans to cover or spread the cost of all sorts of expenses.
- Urgent car repairs, car insurance or registration
- Unexpected dental, medical or pet expenses
- Securing a limited-time offer on a holiday, jewellery or furniture
- Last-minute renovations, wedding costs or a rental bond
- Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
- A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
- Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
- Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
It depends. The faster you can provide your supporting documents so we can complete your cash loan application assessment, the quicker we can process your application and give you a decision.
The good news is, our smart system enables you to submit your supporting documents online – it’s quick and easy. Assuming your application is successful, we can then transfer the approved funds directly into your bank account.
Find out more about our fast cash loan application and approval process.
If you need a cash loan fast – really fast – then call us on 1300 324 746 or talk to our team in Australia via live chat. We’ll help you fast-track your cash loan application the same day.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.
How easy is it to get a bad credit loan?
Very easy. You can apply online in minutes. And assuming your application is successful, we’ll transfer your cash loan within 24-48 hours. Alternatively, if you’re not sure you’re eligible for a bad credit loan, get in touch and we’ll advise you. No obligation. No judgement.
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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 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.