Lucilla, from WA, obtained a bad credit personal loan with Fair Go Finance, and this is her feedback, “”despite my bad credit rating Fair Go Finance was able to give me a second chance with a bad credit loan.” A bad credit loan is a personal loan offered to customers with a “bad credit rating.” Fair Go Finance offers unsecured bad credit loans up to $3,000 and secured bad credit loans up to $10,000. Fair Go Finance’s bad credit loan product will suit you if you have one or more of the following*:

    • Paid Defaults
    • Unpaid Defaults
    • Bankruptcy or Part IX Debt Agreements (where you entered into bankruptcy more than 12 months ago)

To get a current copy of your credit file you can go to Equifax’s website ( or click here) where you can arrange a free copy of your credit history.

Need up to $10,000?

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Are you eligible to apply?

WARNING - DO YOU REALLY NEED A LOAN TODAY?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account

The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.