Our debt consolidation loans are easy
Discover how quick, easy and beneficial personalised debt consolidation loans can be.
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Online
Apply for $300-$10,000 in minutes.
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Quick
It takes 6 minutes to apply online.
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Responsible
Personalised terms. Lower costs.
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.
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 | $1350 | $3,600 | $6,900 |
|---|---|---|---|
| Average Term | 8 months | 13 months | 18 months |
| Repayment Per Week | $58 | $76 | $98 |
| Establishment Fee | $252 | $560 | $579 |
| Monthly Fee | $48 | $9 | $10 |
| Interest Rate Per Annum (APR) | N/A | 26.19% | 19.19% |
| Comparison Rate | 73.06% 1 | 55.10% 2 | 25.07% 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.
How to Apply
Apply Online
All it takes is 6 minutes with our smart online application form.
Accept Offer
Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
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!
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 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 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 324 746 or via live chat to find out more about our bad credit loans.
- 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.
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 324 746 or via live chat, or apply online for your debt consolidation loan. It’s quick, secure and easy.
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.
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 324 746 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.
Whilst we can’t talk to a specific loan being good or bad, debt consolidation is often a good idea. Paying off multiple debts with one single loan leaves you with one single repayment to worry about. Often, having a single loan repayment is much easier to budget for than multiple debt repayments that come out of your account at varying times.
Nearly all types of credit you get are listed on your credit report and therefore can impact your credit score. Applying for multiple loans at once will affect your ability to borrow, so make sure you do your research before submitting a loan application.
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.
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.
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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.