Use your household bills loan any way you like

When you take out a household bills loan, use it to pay whatever bill comes your way. Rates, water, power or simple home repairs, use it to cover whatever you need.

Customers from all around Australia have used our $300 to $10,000 loans for a variety of household bills and all household related expenses.

We’ve combined all of our finance and tech smarts to make our application process as seamless as possible, no matter where you are located throughout Australia.

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
Loan Amounts $300 – $2,000 $2,050 – $5,000
Average Term 1 – 12 months 6 – 24 months
Typical Establishment Fee $0 – $400 $394 – $771
Monthly Fee $0 – $80 $9
Interest Rate Per Annum (APR) * N/A 17.20% – 29.90%
Comparison Rate ** 40.08% – 73.06% 39.61% – 64.52%

 

*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 $1600 $3,050
Average Term 8 months 12 months
Repayment Per Week $68 $71
Establishment Fee $278 $495
Monthly Fee $56 $9
Interest Rate Per Annum (APR) N/A 26.09%
Comparison Rate 73.06% 1 52.66% 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 small loan
Save up to $357 on 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 bills loan questions

Apply for our bills loan today!

Our household bills loan is designed to help as many customers as possible, and accommodate a range of credit scores. As a responsible lender, we make sure our household bill loans are affordable and suit your unique financial situation.

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.