Emergency loans the way you need them. Fast.

At Fair Go, we’re here to help our customers get on with life, which sometimes means providing emergency loans so you can deal with the curve balls life can throw at you. Emergency house or car repairs. Emergency medical or vet bills. Any emergency, in fact.

As one of Australia’s largest non-bank personal loan providers, we’ve used all our finance and tech smarts to make applying for an emergency loan as quick, secure and stress-free as possible. We’ve made it easy because you’ve got enough to deal with.

And as a responsible lender, we’ll ensure you know exactly how much your emergency loan will cost upfront and that you don’t take on more than you can afford. We’ll personalise our rates to minimise your borrowing costs and do everything we can to progress your application ASAP.

Loan Calculator

How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate

19.9%

Total repayment

$3,871

Comparison rate from p.a.

44.2%

Min weekly repayment $72.48

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 $18 – $400 $375 – $771 $536 – $795
Monthly Fee $6 – $80 $8 – $9 $10 – $11
Interest Rate Per Annum (APR) * N/A 9.90% – 29.90% 15.92% – 25.90%
Comparison Rate ** 30.23% – 73.06% 30.63% – 64.52% 21.65% – 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.

 

EXAMPLES $950 $3,550
Average Term 6 months 12 months
Repayment Per Week $53 $82
Establishment Fee $180 $490
Monthly Fee $34 $9
Interest Rate Per Annum (APR) N/A 27.10%
Comparison Rate 73.06% 1 57.41% 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.

How to Apply

Fair Go Finance Unique Selling Point

Apply Online

All it takes is 6 minutes with our smart online application form.
Fair Go Finance Unique Selling Point

Accept Offer

Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Fair Go Finance Unique Selling Point

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!
Fair Go Finance Unique Selling Point

Personalised Support

If you need a little help with anything, simply talk to our support team.
Apply Online

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.

Fair Go Finance Unique Selling Point

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

Fair Go Finance Unique Selling Point

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

Fair Go Finance Unique Selling Point

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

Fair Go Finance Unique Selling Point

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 emergency loan questions

Time is of the essence in an emergency.

You can apply for an emergency loan in minutes and our smart system will give you a provisional decision almost immediately. Assuming you’re formally approved, you could have your emergency loan in your account tomorrow.

Apply Online

See what our customers are saying

Read all reviews

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.