How do we make debt consolidation loans easy?
Discover how quick, easy and beneficial personalised debt consolidation loans can be.
- Online. Apply for $500-$10,000 in minutes.
- Quick. Get a conditional decision, fast.
- Responsible. Personalised terms. Lower costs.
All prices shown are indicative and are for new customers. For returning customers, you will be eligible for our Mates Rates Loyalty Reward benefits, which includes a 10% discount on your establishment fee. All personal loan applications are subject to approval and will be assessed separately by reference to the applicant’s individual circumstances.
All prices are indicative. 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. 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.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
How can we help you?
Below you’ll find answers to the most frequently asked debt consolidation loans questions
Our debt consolidation loans are quick, easy online loans that enable you to bring all your outstanding debts together into one easy-to-manage loan, with the aim of minimising your repayments and borrowing costs.
You can use a debt consolidation loan to combine a range of debts and loans, including:
- Store loans or card debt
- School fee debt
- Credit card debt
- Outstanding bills and accounts
Debt consolidation loans can be particularly helpful if you’re struggling with debt and a bad credit rating. In fact, a debt consolidation loan could help you repair your bad credit score. Contact our friendly team on 1300 FAIR GO or via live chat to find out more about our bad credit loans.
We’ve used all our finance tech smarts to make applying online for a debt consolidation loan as quick and easy as possible. It only takes a few minutes and it’s as easy as 1-2-3:
- Apply online in minutes. You can apply for your debt consolidation loan in minutes and then track your application online through our customer portal.
- Get a conditional decision, fast. Our smart system will give you a conditional decision on your debt consolidation loan application straight away. And if you’re provisionally approved, you can accept our preliminary offer via SMS. No printing, signing or scanning.
- Receive your cash in 24-48 hours. If your debt consolidation loan application is formally approved, we’ll transfer the cash directly into your account, usually overnight. You can then pay off your outstanding debts and get on with life knowing you’ve minimised your borrowing costs.
See for yourself how quick and easy a debt consolidation loan can be. Start your online application. And remember, we’re here to help on 1300 FAIR GO or via live chat if you run into any problems or have any questions.
At Fair Go, we personalise the rates and terms of our online loans to maximise your borrowing power and minimise your borrowing costs. That’s why we’re here – to help you get the cash you need to get on with life today, without putting your long-term financial wellbeing at risk.
Our friendly team, based here in Australia, will work with you to establish how much you can afford to borrow and how to structure a debt consolidation loan to keep your repayments manageable and your borrowing costs as low as possible.
The idea is that we reduce your monthly repayments and improve your cash flow by rolling all your debts into one. This makes managing your day-to-day budget simpler and, by making your debt easier to pay off, it can even help you repair your credit history if you have a bad credit rating.
Talk to our team today on 1300 FAIR GO or via live chat, or apply online for your debt consolidation loan. It’s quick, secure and easy.
You’ll need to be at least 18 years of age and a permanent Australian resident, with regular paid employment (earning at least $500 per week).
If that’s you, you can start your online application for a debt consolidation loan right now. It’s quick and easy – you’ll have your application finished in minutes.
It depends on a number of factors, but we help lots of customers who have a bad credit history get the loans they need and get their bad credit history back on track.
Contact our friendly team on 1300 FAIR GO and we’ll explain if your bad credit rating will prevent you taking out a debt consolidation loan (or limit the amount you can borrow).
If you’re not sure if you have a bad credit rating, watch our video about how to find out your credit score. You can request a free copy of your credit report from Equifax and find out if and why you have a bad credit history. Once you know, it’s easier for us to advise you.
Depending on your financial situation, you can borrow from $500 up to $10,000 over the course of anything from three months to three years with a debt consolidation loan. And we’ve used all our finance and tech know-how to ensure applying for a debt consolidation loan is quick and easy.
All our debt consolidation loans have fixed interest rates, which means you know upfront what your repayments will be. It’s all part of our responsible lending commitment – your guarantee that we’ll always be upfront and transparent with you. No hidden fees. No nasty surprises.
With set repayments in place, managing your budget and planning for the future are much easier. And that’s what it’s all about for us – helping you get the cash you need to get on with life, without putting yourself or your budget under unnecessary stress.
Personalised debt consolidation loans. Quick. Easy. 100% online.
If you have mounting debts, a personalised debt consolidation loan might be the best way forward. The best way to relieve the stress of multiple repayments. The best way to reduce your borrowing costs. The best way to free up more cash day-to-day.
And at Fair Go, we’ll personalise your debt consolidation loan to do just that, with custom rates and terms that work for you and your life, minimising your borrowing costs wherever we can. And if you come back for another loan, we can reward you with even better rates and discounts.
As one of Australia’s largest non-bank personal loan providers, we take our responsibility to you seriously. Our friendly team will take great care in working with you to help you path forward. And if you have a bad credit score and you want to consolidate and pay off your debts, we’ll do everything we can to help you turn your bad credit history around.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
Take the easy, responsible path to debt consolidation.
We’ve used all our finance and tech smarts to make applying for your debt consolidation loan quick and easy. It’s all online and our smart system will give you a conditional decision in minutes.
Apply Now!
Are you eligible to apply?
- I’m 18 years or older
- I’m employed (not self-employed)
- I’m paid $500 or more a week into my bank account
- My income is not solely from Centrelink
- I’ve not entered into bankruptcy or part 9 agreement within the last 12 months
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.