Need an emergency loan at a competitive rate, fast?
$500-$10,000 emergency loans for any emergency. Quick. Secure. And structured with your best interests at heart.
- Fast. Apply and get a decision in minutes.
- Affordable. Personalised rates. Lower costs.
- Responsible. We’ve got your back.
*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 emergency loan questions
Our emergency loans are personal loans that you can use for any emergency.
With an emergency loan, you can apply for $500-$10,000, fast. What’s more, you’re free to use your cash as you wish – they’re loans to help you get through whatever life throws at you.
And because we’ve used all our finance and tech smarts to make our application process as quick and easy as possible, you can apply for an emergency loan in minutes.
Anything. Any emergency situation. Any urgent or unexpected cost, expense or bill. You can apply online for an emergency loan of anything from $500 to $10,000 to cover or spread the cost of any unexpected expense.
- Emergency home repair loans
- Emergency car repair loans
- Emergency accommodation or travel loans
- Emergency medical, dental or surgical loans
- Emergency vet care loans for your furry, feathered or scaly friends
At Fair Go, we’re here to help you move forward and deal with whatever life throws at you, with personalised loans that minimise unnecessary borrowing costs, financial risks and stress. If you find yourself in need of emergency funds, you can apply for an emergency loan and get a provisional decision in minutes. Alternatively, contact our friendly team on 1300 324 746 or via live chat.
It depends on your financial situation and credit rating, but we offer emergency loans ranging from $500 to $10,000, giving our customers the flexibility to take out quick loans to deal with a whole host of emergencies.
If you need an emergency loan but you’re concerned your credit rating will be a problem, read our blog about how to find out your credit score. Alternatively, contact our friendly team on 1300 324 746 or via live chat and find out more about our quick and easy bad credit loans.
We can’t promise to provide a loan if you have a bad credit rating, but if we can find a way to provide the loan you need and help you repair your credit history in the process, we will.
While a bad credit rating can prevent you from taking out an emergency loan, or limit the amount you can borrow, we’re here to help you in any way that we can. We believe everyone deserves a fair go and assess every application on its merits.
If you think your credit score may be a problem, or 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 to find out if – and why – you have a bad credit history.
Once we understand your situation, we’ll be able to advise you on the best way forward. Our friendly team is here to try to help you get the cash you need and turn your bad credit history around.
Fast. Really fast. As one of Australia’s largest non-bank personal loan lenders, we’ve used all our finance and tech smarts to make our online application and assessment process as quick and easy as possible – a reassuring thought when you need emergency funds. All you need to do is:
- Apply online. You can apply online for an emergency loan and get a provisional decision in minutes, then track your application with our customer portal. It’s quick-as, especially if you use our free and secure bank statement service to fast-track your application.
- Accept your offer. If you receive conditional approval from our smart system, you can accept your provisional offer via SMS. Our friendly team will then verify your personal information and loan details over the phone. No printing, signing or scanning. No delays.
- Deal with your emergency. You need your emergency funds fast, so if your application is formally approved, we’ll transfer your cash overnight. It’ll be waiting for you in your nominated account the next day.
That’s it. Assuming you provide all the information we need to assess your application ASAP, the whole process takes 24-48 hours. And if you hit any snags along the way, we’re here to help – call us on 1300 324 746 or via live chat if you need help.
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 Now!
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.
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
Please note: Bank statements can only be submitted via our secure online service.