We've made our loans even easier.
By using our finance and tech smarts to streamline our online application, assessment and approval process.
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Online
One easy, 100% online application.
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Fast
It takes 6 minutes to apply online.
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Secure
Bank-grade online security.
Easy online loans. From application to conditional approval, pronto.
As one of Australia’s largest non-bank lenders, we’re here to help you get the cash you need to get on with life, without fretting over your finances. That means lending responsibly and personalising our rates to minimise your borrowing costs. And it means making it easy and stress-free.
Our online application process is as easy as it is secure. And we mean bank-secure. You can apply for quick and easy cash loans of $500-$10,000 in a matter of minutes, safe in the knowledge your personal details are secure at all times.
Our streamlined assessment and approval process ensures you’ll be kept up to date, with regular emails and SMS’s from the moment you apply. You can use our free and secure bank statement service to fast-track your application and, if you’re approved, you can accept our offer via SMS. All online. All easy as can be.
Small Amount
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 | |
|---|---|---|
| Loan Amounts | $300 – $2,000 | $2,050 – $5,000 |
| Average Term | 1 – 12 months | 6 – 24 months |
| Typical Establishment Fee | $18 – $400 | $375 – $771 |
| Monthly Fee | $6 – $80 | $8 – $9 |
| Interest Rate Per Annum (APR) * | N/A | 9.90% – 29.90% |
| Comparison Rate ** | 30.23% – 73.06% | 30.63% – 64.52% |
*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 |
|---|---|---|
| Average Term | 8 months | 12 months |
| Repayment Per Week | $68 | $71 |
| Establishment Fee | $278 | $495 |
| Monthly Fee | $56 | $9 |
| Interest Rate Per Annum (APR) | N/A | 26.09% |
| Comparison Rate | 73.06% 1 | 52.66% 2 |
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
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 6 minutes
Risk Based 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
Mates Rates Loyalty 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 easy loans questions
To apply for one of our fast cash loans online, you need to be at least 18 years of age and a permanent Australian resident, with regular paid employment. If that’s you, you can start your online application for a quick and easy loan now.
Can we provide an easy online loan if you have a less than ideal credit rating? We can’t guarantee approval because we consider a range of factors with every application so we can personalise our rates and minimise the cost of our loans, but we often help people who have a bad credit score.
That’s what we’re all about – helping people get the loans they need to get on with life and improve their credit rating in the process. Find out more about our bad credit loans.
Without a doubt, yes. In fact, while we invest heavily in making the online application, assessment and approval process for our loans as quick and easy as possible, your security and wellbeing are always our number one priority.
In addition to the kind of bank-level online security you’d expect from one of Australia’s largest non-bank lenders, we’ve established a responsible lending commitment – your assurance that we will always act in your best interests.
We’ll never lend you more than you can afford to repay. We’ll always personalise our rates. And we’ll ensure the way we structure our easy online loans minimises your borrowing costs and makes your loan repayments manageable. We’re in this – and here for you – for the long haul.
- 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.
Repaying our loans is just as easy as our online application and approval process.
Once your loan application receives formal approval, we’ll discuss the best way to set up your direct debit payments with you, so you can nominate your payday. You’ll receive a reminder before your first debit is due and if, down the track, you’re worried you’ll have trouble making your next repayment, our team is right here in Australia to help.
You can call us 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 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.
Easy loans today, even better rates next time.
Assuming your online loan application is formally approved, you’ll receive your funds within 24-48 hours. And next time you take out one of our easy loans online, our rewards program ensures you’ll enjoy even better rates and an even faster express application. Easy as.
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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.