Existing Customers

Mates Rates. Thanks for coming back!

“Mates Rates” is our great loyalty reward program for all returning Fair Go Finance customers.

Whenever you return and take out another loan from Fair Go Finance, you’ll be rewarded with some fantastic discounts and benefits!

It’s our way of saying thanks and to help you go forward, even faster!

What are the discounts? Here they are:

Reduced Interest Rate

Returning for your second or subsequent Fair Go Finance loan not only means you’ll receive our express service, but you’ll also receive a reduction on your interest rate if you’re borrowing between $2,250 and $10,000. Here’s exactly how much!

  • 2nd loan: You will receive a 10% discount off your interest rate.
  • 3rd loan:  You will receive a 13% discount off your interest rate.
  • 4th loan or more: You will receive a 15% discount off your interest rate.

​For all of our small loans $2,000 and below, they aren’t charged an interest rate, so instead you will receive a set discount on your establishment fee – see below!

Reduced Establishment Fee

  1. For all of our loans (from $500 up to $10,000) you will always receive a reduced establishment fee whenever you come back!
  2. For our small loans (from $500 up to $2000) you will receive a 10% discount each and every time you take out another loan.
  3. For our medium and larger loans (from $2250 up to $10,000) you will receive a discount of either $20, $25 or $30 depending on whether it’s your second, third or fourth/or more loan.

Ready to apply now and receive all these great rewards?

Just click the “existing customer” button below and your express service will begin!

Existing Customer? Click Here!

Plus, you’ll also receive this fantastic benefit:

An Express Priority Service

You’ll be given access to this incredibly fast service by using our dedicated “express form” when you return.

You can access this form directly from our customer portal or by choosing “existing customer” when you apply on our website.

As we’ve already got your details, your express application is only a few short questions and then your priority service begins!

Plus we will do our best to give you the same credit consultant you had for your last loan, so you know you’ve come back to the same friendly place!

Are you eligible to apply?

  • I am 18 years or older
  • I have not entered into bankruptcy or part 9 agreement within the last 12 months
  • I am willing to provide my Bank Statements online

Please note: Bank statements can only be submitted via our secure online service.


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.

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.