Christmas Loans
Christmas Loans from $2,050 - $10,000
Christmas is a time for joy and being merry. Apply for a Christmas loan to cover those unexpected costs that come with Christmas and the holidays.
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Easy
Apply online in 6 minutes
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Flexible
$500 to $10,000 over 3-24 months
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Affordable
Personalised rates and terms
What is a Christmas loan?
At Fair Go Finance, we’re here to help our customers throughout Australia move forward. That’s why the Christmas loans we offer are tailored to help you go forward.
With fixed fees and flexible repayment terms that are personalised to your financial situation, we’ve used our finance and tech know-how to make applying for a Christmas loan as quick, easy, secure and affordable as possible.
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 | $500 - $2,000 | $2,050 - $5,000 | $5,050 - $10,000 |
| Average Term | 3 – 12 months | 7 – 19 months | 14 – 24 months |
| Typical Establishment Fee | $60 – $400 | $437 – $771 | $546 – $795 |
| Monthly Fee | $15 – $80 | $10 - $14 | $9 - $14 |
| Interest Rate Per Annum (APR) * | N/A | 23.31% - 29.90% | 21.90% - 25.90% |
| Comparison Rate ** | N/A | 50.05% - 65.88% | 27.54% - 33.80% |
*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 | $1,350 | $3,600 | $6,900 |
|---|---|---|---|
| Average Term | 8 months | 13 months | 18 months |
| Repayment Per Week | $48 | $90 | $119 |
| Establishment Fee | $265 | $627 | $595 |
| Monthly Fee | $50 | $11 | $14 |
| Interest Rate Per Annum (APR) | N/A | 27.49% | 21.90% |
| Comparison Rate | N/A | 60.61% 2 | 28.87% 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.
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.
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.
How to Apply
1 
Apply Online
All it takes is 6 minutes with our smart online application form.
2 
Accept Offer
If approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
3 
Receive Finance
Real-Time Funding will make sure your funds are transferred as cleared funds so you can start using it sooner!
4 
Personalised Support
If you need a little help with anything, simply talk to our support team.
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 6 minutes
Customised Pricing
Your credit profile is rewarded with tailored pricing. Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Loyalty Rewards Program
Enjoy rate and discount rewards for your loyalty. Rewarded on your return!
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.
Genuine Customer Service
Real and caring consultants to help you go forward. Funded in minutes!
Apply, approved and funded in as little as 6 minutes
Customised Pricing
Your credit profile is rewarded with tailored pricing. Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Loyalty Rewards Program
Enjoy rate and discount rewards for your loyalty. Rewarded on your return!
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 Christmas loan questions
Christmas loans are personal loans that you can use to cover the cost of Christmas.
We have customers across Australia who use Christmas loans for everything from regular Christmas expenses to unexpected Christmas expenses.
- Christmas presents and gifts
- Unexpected Christmas expenses
- Christmas holiday travel
Applying for a Christmas loan is quick and easy. See for yourself. Apply online for a Christmas loan in minutes.
It depends on your unique situation, but we help a lot of people who have a less than ideal credit rating
get the loans they need whilst getting their credit history back on track.
If approved for a Christmas loan, not only can your loan help pay those bills, but it can also help your credit history because
of our adoption of Comprehensive Credit Reporting.
As one of Australia’s largest non-bank personal loan providers and a responsible lender, we’re here to
help you in any way that we can. Everyone deserves a fair go, so if there’s a way for us to help you
secure the loan you need, we’ll find it.
We offer Christmas loans from $500 to $10,000, with flexible repayment terms ranging from three months to three years.
Our loans are personalised to you, so your loan amount, interest rate and repayment terms will be tailored to your personal circumstances and financial situation.
All of the loan terms, amounts and fees are listed upfront. You’ll know what your fixed interest rates repayments will be, plus they’re set in stone, so it’s easy to manage your budget. It’s all part of our commitment as a responsible lender.
- 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.
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 Christmas 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.
Apply for our Christmas loans today!
Our Christmas loans are designed to help as many customers as possible, and accommodate a range of credit scores. As a responsible lender, we make sure our Christmas loans are affordable and suit your unique financial situation.
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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.