How have we made our easy loans so easy?
By using our finance and tech smarts to streamline our online application, assessment and approval process.
- Online. One easy, 100% online application.
- Fast. Conditional approval within minutes.
- Secure. Bank-grade online security.
*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.
How Fair Go Finance 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 6 Minutes
Choose your loan type and apply online.
Get Instant Outcome
We'll process your application and advise an outcome immediately.
Funded in Minutes
If approved, sign your contract and receive your funds in minutes.
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.
You can complete an application for a loan online, any time. It’s as easy as 1-2-3:
- Online application. It only takes a few minutes to apply for your online loan. You can then track the progress of your application online, too. Easy.
- Assessment. Use our free and secure bank statement service when you apply online to fast-track your application. If you receive approval, you can accept our offer via SMS. No printing. No signing. No scanning. No delays.
- Receive your funds. We will transfer your funds using our real-time payment service straight into your account as cleared funds.
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 easy cash 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.
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.
Apply Now!
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 Loans
Loan Amounts
$500 – $2,000
Average Term
3 – 12 Months
Typical Establishment Fee**
$0 – $400
Monthly Fee
$10 – $80
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 – $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
6 – 18 Months
Typical Establishment Fee
$394 – $771
Monthly Fee
$9
Interest Rate Per Annum
17.2% – 29.9%
Comparison Rate
39.61% – 64.41%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$51 – $118
Establishment Fee
$394 – $535
Monthly Fee
$9
Interest Rate Per Annum
17.2% – 27.5%
Comparison Rate
39.61% – 56.65%
*Repayments per week depend on affordability.
**This limited offer is currently for good credit customers in recognition of their good credit history.
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%.
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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.