Need a fast emergency loan at a competitive rate?
$500-$10,000 emergency loans for any emergency. Quick. Secure. And structured with your best interests at heart.
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Fast
Apply online in 6 minutes.
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Affordable
Personalised rates. Lower costs.
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Responsible
We’ve got your back.
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
*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 | $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.
**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.
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 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.
- 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.
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.
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.
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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.