FAQs

About Fair Go Finance
What do you mean by “personalised service”?

At Fair Go Finance we understand your situation is unique to you, and every person is different. That's why we make sure every conditionally approved loan is individually assessed by a trained staff member, and not by a computer. We personally review your application because we know that's the best way to make sure we only approve loans when they'll help you go forward.

Getting a Fair Go Finance Loan
Can I get a loan if I have bad credit?

Depending on your level of bad credit, you may be able to successfully apply for a loan with us.

As part of our lending criteria we 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!

Application
What is E-signing?

E-signing is an electronic way to sign, instead of using a pen!

If you successfully apply for one of our Fair Go Finance loans between $500 and $10,000, you can accept our conditional offer straight away by typing in a unique SMS code that is sent to your mobile.

It's a quick and easy method to progress successful applications as fast as possible.

Repayments and Fees
Approval Process
Why was I offered a different amount to what I applied for?

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

Part of this assessment involves ensuring you can comfortably afford the repayments.

There are times where we may offer you a different loan amount because of this, as long as the loan will still assist you with the loan purpose you indicated.

Managing Repayments and Hardship
Can I reduce my payments?

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.

About our Bank Statement Service
Do I input my internet banking details to use the bank statement service?

Yes, if you use our bank statement service provided by Proviso Pty Ltd (trading as BankStatements.com.au ABN 89166277845), you will input your internet banking details which will allow us read-only access of your bank account. Your bank details are encrypted in transit and stored securely. We do not have the ability to change any of your banking details, set up direct debits or to manage your account in any other way. All your data is securely handled in accordance with the Privacy Act (1988) (Cth) and our privacy policy and Proviso Pty Ltd’s privacy policy which can be accessed here https://www.bankstatements.com.au/about/privacy.

 

Who sees my internet banking log-in details if I use the bank statement service?

No person can access your Internet banking details. When you enter your banking credentials on our website they are immediately encrypted. Proviso Pty Ltd (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, which is to generate a read-only data-feed which we will use to assess the affordability of the loan.

What happens to my internet banking details after I input them on your website?

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 secure environment. Your Internet banking details are encrypted and held securely by our professional service providers. Our partner, Proviso Pty Ltd (trading as bank statements.com.au, ABN 89166277845) and us, are permitted read-only access to your current account, so will only ever be able to view your account. We do not have the ability to change any of your banking details or set up standing orders/direct debits. All data is securely handled.

What happens to the bank statement information you obtain?

We'll review the information on your bank statements to help us assess your loan application. The information will also assist us in managing your credit and assessing any future applications. Proviso Pty Ltd (trading as bank statements.com.au, ABN 89166277845) will store your bank statements. Proviso Pty Ltd may use, disclose, sell, license, reproduce or distribute your data and transaction information in statistical and aggregate form that does not contain your personal information.

Is there another way to provide my bank statements?

To ensure our application process is as fast and secure as possible for you, we require your bank statements to be provided electronically using our online bank statement service. This system encrypts your details and verifies your transaction history for the past 90 days, and allows you the quickest loan outcome.

Contact Us

 

"Great super fast service with extremely pleasant understanding staff"

Emily, February 2016