How to get a loan at Fair Go Finance

Choose your loan amount and term

Using our simple slider tool, select how much you want to borrow, how long you'd like to pay it over and click GO!

Complete our easy online application

Your online loan application should take no more than 5 minutes to complete. Just let us know your income and expenses along with some ID and bank information. After four quick screens you'll be done! Hit submit and you'll receive your preliminary assessment outcome on your screen- there's no waiting!

No faxing, sending or signing of documents

With Fair Go Finance, you don’t need to provide hard copies of your bank statements, payslips or ID documents because our loan application process is 100% online. 

To help you submit your bank statements quickly and easily during the application, we provide you with an online bank statement service called

This securely accesses 90 days of your bank statements in a read-only format so your funds are completely safe. This service can be used throughout Australia and is fast and secure thanks to its 256 bit data encryption.

Provide your bank statements using this service and your loan application will be processed in the fastest of turnarounds. 

Plus, if your loan is conditionally approved there's no signing required! We will send you an SMS message with a unique code that you can enter straight into the screen to accept the offer! At Fair Go Finance our loan process is super quick, easy and paperless!

You'll receive great customer service too!

We understand there may be times when you'd like to speak to someone.  Our friendly staff are all in Australia and are able to speak to you via phone, email or live chat. If your financial situation ever changes and you’re having difficulties making your repayments, then our Customer Care team are available and ready to help - we pride ourselves on giving you a fair go from start to finish!

Our excellent customer reviews are testament to the great customer service we love to provide.

All Fair Go Finance customers receive:

  1. Excellent customer service
  2. Free direct debit
  3. Free payment reminders
  4. Flexible repayment options
  5. Loyalty discounts (for repeat customers)

If all of this sounds great and you're ready to Go Forward with Us, apply now.

Larger loans. Longer terms. Better rates!

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What information do I need to apply for a loan?

 Document type  Examples 
Identification Drivers licence number OR 
  medicare card number
Income 1 recent payslip 
Bank Statements 3 months bank statements -most recent 90 days. Use our free bank statement service during the application to easily provide these.

We recommend you try to supply all of these during the online application so you can get the fastest outcome!

There may be occasions where we will need to request an additional document, such as a utility bill, but your dedicated lending consultant will always let you know if this is the case.

If you do want to email anything to us, our email address is:


Tips for applying for a loan

Do your research before applying

To protect your credit rating, avoid applying with multiple lenders because too many credit enquiries on your credit report can negatively impact your credit rating, which does influence your outcome. 

Choose the best lender for your situation before applying. Read more about protecting your credit rating here.

Talk to us if you have any doubts about your credit history

We have a dedicated customer service team available to answer any queries you may have. It's better to discuss any concerns you may have before submitting an application.

Learn more about your credit rating.

Be honest and open with your loan application

Be upfront with your income, identity and finances. The documents you provide confirm this information plus other verification checks that we do. If your loan can’t be approved right now, we'll explain the reasons why and provide you some suggestions to help you apply in the future.

Have the necessary information when you apply for a loan

Try to have the information (listed further above) to support who you are, what you earn and where you live. This is needed before a loan can be approved. If you're unsure, please contact us, we’re here to help you go forward.



"Good customer service, especially response times. This is the second time I have applied for a loan with FGF and both experiences have been remarkable. Thankyou!"

Narelle, February 2017