Small Loans Up to $2,050 with Fair Go Finance
If you are looking for an instant decision for a small loan, Fair Go Finance might be able to help. It only takes 6 minutes to apply and you normally get an instant decision. If approved, get your funds within 15 minutes!
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Looking for an instant decision?
Whether it’s a car repair, a medical bill, or covering household costs, our flexible small loans of up to $2,050 or larger loans up to $10,000 provides the quick financial relief you need.
Why Choose Fair Go Finance for Small Loans?
We know how important it is to access funds quickly, without unnecessary stress. Here’s what sets us apart:
Fast Application Process: Apply online in minutes and get a decision quickly.
Flexible Loan Amounts: Borrow a small amount up to $2,050 for immediate needs or up to $10000 for larger expenses.
Transparent Fees: No hidden costs—just clear and upfront terms.
Responsible Lending: We assess your situation to ensure the loan is affordable.
How to Apply for a Small Loan
We’ve made borrowing simple and hassle-free get a decision instantly and if approved your funds within 15 minutes
Start Your Application: Fill out our secure online form—it only takes a few minutes.
Receive a Decision: We process applications promptly, with approvals often on the same day.
Access Your Funds: Once approved, your funds are transferred directly to your account.
Who Can Apply for a same day Small Loan?
To be eligible for a small loan, you’ll need to:
Be at least 18 years old.
Be an Australian citizen or permanent resident.
Have a regular source of income (including Centrelink payments).
Show that you can comfortably manage repayments.
What Can Small Loans Be Used For?
Our small loans are designed to meet a variety of financial needs, including:
Emergency Expenses: Fix your car, repair your home, or manage unexpected bills.
Everyday Costs: Cover utility bills, rent, or groceries.
Special Events: Fund birthdays, weddings, or travel plans.
Medical Bills: Manage health-related expenses with ease.
Whatever your reason, Fair Go Finance has you covered.
Flexible Loans Tailored to You
We offer personalised repayment terms to suit your budget. Whether you need a short-term loan or a larger loan up to $10,000, we’ll find the right option for you and you can apply online within 6 minutes.
Rates (APR), fees & features
Small Amount Loans
Read More: Small Amount LoansMedium Amount Loans
Read More: Medium Amount LoansLarge Amount Loans
Read More: Large Amount LoansFor our loans of $500 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.
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.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
Ready to get started?
How to Apply
With no early payout fees, our flexible range of online loans are perfect for the changing needs of hardworking Aussies. And because our rates are personalised, they’re highly competitive, whatever your credit rating.
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Apply Now
All it takes is 6 minutes with our secure online application form.
Accept Offer
If approved, accept your offer signing online with a secure SMS code.
Receive Finance
Your funds are transferred as cleared funds so you can start using it sooner.
Personalised Support
If you need a little help with anything, simply talk to our support team.
We're with you
So why Fair Go Finance?
We want what’s best for our customers. And we show it every day with loans and service tailored to you.
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Genuine customer service
Our genuine, down-to-earth team is here for friendly, helpful advice – and zero jargon.
Personalised pricing
We get to know your situation to craft a tailored rate just for you.
Credit score boost
Make timely repayments on an initial easy-to-manage loan to actively boost your credit score.
Check if you qualify
Learn how likely you are to get approved, with no impact on your credit file.
How can we help you?
Below you’ll find answers to the most frequently asked personal loan questions
As an online lender – one of Australia’s largest non-bank personal loan providers – we don’t have traditional branches in Melbourne, or anywhere else in Australia for that matter. And that’s a good thing.
It means we’re able to keep our overheads down and continually invest in developing our smart online application system, making it quick and easy to apply for a loan, from small loans of $500 through to $10,000 loans. Online. Anytime.
It also means that our team here in Australia can focus on providing personal service, as well as personalised loan rates and terms, ensuring we minimise your borrowing costs and always do the right thing by you and your long-term financial wellbeing.
So, whether you’re in Melbourne or living the other side of the country, we’re here to help. Call us on 1300 324 746 or contact us via live chat, or apply online for a quick and easy loan in minutes.
Not at all. While many of our customers in Victoria live in Melbourne or around Melbourne, we provide quick online loans for customers across Australia, many of them in remote rural areas.
If you have an internet connection and meet our eligibility requirements, you can apply online in minutes. It really is that quick, whether you apply for a small loan of $500 or a large loan of $10,000. What’s more, our smart system will give you a provisional decision almost immediately.
There’s only one exception: if you live in a caravan park, we’re unable to offer you a loan.
Our customers in Melbourne and across Australia come to us for quick personal loans ranging from small loans of $500-$2,000 right through to larger personal loans of $10,000. And you’re free to use your cash however you wish.
Whatever the size of your loan, and whatever you need it for, our online application process is the same. Our smart system makes applying quick and easy – you can apply and get a provisional decision in minutes.
See for yourself. Apply for your quick and secure loan online today.
If you’re living anywhere in Australia, then technically speaking a small loan is any loan ranging from $500 to $2,000.
Now, you’ll find lots of small loan lenders around Australia – some of them promising quick loan applications and approvals. However, as one of Australia’s largest non-bank personal loan lenders, we’re not only quick, we’re secure and, crucially, responsible too.
With us, you can apply online for a small loan of $500-$2,000 or as much as $10,000 in a matter of minutes. Our smart system will give you a provisional decision in minutes, too. And as a responsible lender, we’ll always be upfront about the cost of your loan – no nasty surprises – and we’ll personalise our rates and terms to minimise your borrowing costs.
No, our small loans are unsecured loans. You don’t need to provide an asset as security for small loans of $500-$2,000. However, if you’d like to take out a larger loan, you may need to provide security – it all depends on your financial situation and credit history.
When you apply online for a quick loan with us, our smart system will give you a provisional decision in minutes.
Then, assuming you’re conditionally approved, our friendly team – based here in Australia – will call you to verify your details and discuss your loan. At that point, we’ll be able to advise you whether you need to take out a secured loan.
If you have a less-than-ideal credit score, it may affect your ability to take out a personal loan, but you should still talk to our team on 1300 324 746. Our bad credit loans have helped customers across Melbourne and Australia get the cash they need and get their credit history back on track.
As one of Australia’s largest non-bank personal loan providers and a responsible lender, we believe everyone deserves a fair go. So, if there’s a way for us to help you get a loan, without risking your credit score or long-term financial wellbeing, then we will.
If you have a bad credit rating – or think you have a bad credit score – you may find it easier to take out a small loan rather than a large one. We recommend watching our video about how to find out your credit score, or you can request a free copy of your credit report from Equifax. Once you know if – and why – you have a bad credit score, it’s easier for us to advise you.