2020 Financial Services Winner of Australian Small Business Champion Awards

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How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate


Total repayment


Comparison rate from p.a.


Min weekly repayment $72.48

About Fair Go Finance

At Fair Go Finance we offer a range of loan amounts depending on the type of loan product you are interested in.

All Customers:
Our fixed and tailored Personal Loans are available from $500 up to $10,000.

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At Fair Go Finance we understand your situation is unique to you, and every person is different.

That’s why we’ve made sure our approach to lending takes into account a number of important details, because you are far more than just a score calculated by a credit bureau.

We believe our way is the fairest and best way, because we make sure we’ve considered and understood your whole situation, allowing us to approve responsible loans knowing they can genuinely help you to go forward.

Updating your personal information is quick and easy! Simply contact us via phone on 1300 324 746 or message us via our chatbot, and we will be able to update your details then and there.

Getting a Fair Go Finance Loan

You can live in any postcode within Australia and be eligible to apply for any Fair Go Finance loan product.

Please just know that you will need to be living at a permanent and fixed residence so you won’t be eligible to apply if you’re currently staying in a caravan park.

Your level of bad credit will play a part as to whether you can successfully take out a bad credit loan with us.

One part of our assessment criteria does look at the number of loan enquires you’ve had recently, the number & status of any recent defaults and any other adverse items on your credit file such as bankruptcy or a part 9.

The fewer you have, the more likely you will be eligible but we do pride ourselves on helping customers who may have had issues in the past, but are clearly ready to get back on track.

Please call us on 1300 324 746 if you’d like more information or if you’d like to discuss your current credit report before completing our online application. We’re here to help.

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Yes. We will complete a credit check on you as part of our loan assessment process.

Our online application form requires you to consent to a credit check being completed, and once ticked, we will obtain your credit file held by one or more Credit Reporting Bodies.

If you have a default or a missed payment listed on your file, please don’t worry. Depending on your circumstances we may still be able to help you with a bad credit loan.

A credit enquiry check (or credit check) is when a lender or credit provider views your credit file held with a credit bureau and records the date, amount and type of product you have applied for with them. This is standard practice when a lender is assessing you for a loan or credit facility.

To be able to access your credit file, the lender or credit provider must firstly obtain your consent. Here at Fair Go Finance, this is asked on the second page of our online application and if you choose not to consent, you will be unable to progress any further with the application, as it is required for our assessment process.

Once you give your consent to a credit check on our application form, this then allows us to access your credit report and list your “credit enquiry” with us. This enquiry then remains on your credit report, whether your application outcome is successful or not.

It’s important to know that the number of credit enquiries you have listed (particularly in a short space of time) can affect the lender’s decision as to whether you are approved and what fees/charges you may need to incur.

E-signing is a quick and efficient electronic way to sign, instead of using a pen.

Here at Fair Go Finance, it works like this.

If you are approved for a loan, we will send you a unique SMS code to your mobile. To accept our loan offer you then enter the code on your online contract – it’s that easy.

It is one of the fastest ways to sign your loan contract and it means your loan funds can then be immediately transferred as cleared funds to your bank account via our real-time payments system.

Follow these simple 4 steps to e-Sign your contract:

  1. Open and view your loan contract and payment plan using the link we will have provided you.
  2. Once both are viewed, and you are happy to proceed, go down to the next section titled “eSign Your Contract.”
  3. Check your mobile for a secure SMS verification code from Fair Go Finance.
  4. Enter your verification code where indicated, click sign & continue.

You have now successfully eSigned your contract. Congratulations!

Repayments and Fees

Yes, absolutely! You can rest assured there are no penalties or charges for doing so.

Here at Fair Go Finance, we are happy for our customers to repay their loan as quickly as they can – it helps you to save on interest too.

Approval Process

As a responsible lender, we assess every application by referring to each individual’s circumstances.

And part of this assessment process involves ensuring you can comfortably afford the loan repayments.

Consequently, there are times where we may offer you a different loan amount, as long as the loan still helps you to achieve the outcome you need.

Managing Repayments and Hardship

Yes. If your circumstances unexpectedly change, we understand you may want to reduce your repayments.

If this happens, please contact us as soon as possible. The quicker you let us know, the faster we can discuss your alternative payment options and help you get back on track.

We simply ask that you contact us as soon as possible. By letting us know your situation, we’ll be able to discuss alternative options with you.

About our Bank Statement Service

Yes, when you use our bank statement service provided by illion Open Data Solutions (trading as BankStatements.com.au ABN 89166277845), you log in using your internet banking details which will allow us read-only access of your bank account statements. Your bank details are encrypted in transit and are stored securely. We do not have the ability to change any of your banking details or to manage your account in any way. All your data is securely handled in accordance with the Privacy Act (1988) (Cth), our privacy policy and illion Open Data Solutions privacy policy which can be accessed here www.bankstatements.com.au/about/privacy.

No person can see or access your internet banking details. When you enter your banking credentials they are immediately encrypted. illion Open Data Solutions (trading as bankstatments.com.au, ABN 89166277845) then stores the encrypted details. They are stored in a highly secure data centre which has a single use, to generate a read-only data-feed which we will then use to assess the affordability of the loan.

As an organisation, security of data and prevention of fraud are fundamental to us. We are committed to using practices to ensure that our services are provided within a highly secure environment. Your internet banking details are encrypted and held securely by our professional service provider. Our provider, illion Open Data Solutions (trading as bank statements.com.au, ABN 89166277845) and us, are permitted read-only access to your current account, and we will only ever be able to view your account statements. We do not have the ability to change any of your banking details and all information is securely handled.

We will review the information on your bank statements to help us assess your loan application. illion Open Data Solutions (trading as bank statements.com.au, ABN 89166277845) will securely store the bank statements. illion Open Data Solutions may use, disclose, sell, license, reproduce or distribute your data and transaction information only in statistical and aggregate form, that does not ever contain your personal information.

If you have any other questions, please call us at Fair Go Finance on 1300 324 746 or send us an email to apply@fairgofinance.com.au. Alternatively, you are welcome to contact illion Open Data Solutions (trading as bankstatements.com.au, ABN 89166277845) who provide this service. They are located in South Australia and their contact number is (08) 7122 9452.

Contact Us

You’re welcome to contact us outside business hours either by e-mailing us at apply@fairgofinance.com.au or completing our Contact Us website form.

Please remember to include your full name, best contact number and reference number if you have a loan with us, and we’ll be sure to get back to you the next business day.

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.