Refresh your kitchen, your way with a flexible renovation loan from Fair Go Finance.

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.

We offer both secured personal loans and unsecured personal loans. It really depends on your personal circumstances which option is right for you. For instance, if you have a less-than-ideal credit history, it may be that you need to take out a secured loan. An unsecured personal loan, on the other hand, does not require collateral but may come with higher interest rates and specific eligibility criteria.

If you’re worried that your credit score may prevent you from taking out a personal loan, don’t worry. We help lots of people with poor credit ratings get the loans they need and get their credit history back on track. Find out more about our bad credit loans.

To apply for a personal loan online, you’ll need to be at least 18 years of age and a permanent Australian resident, with regular paid employment.

Worried about your credit history? Don’t fret, we may still be able to help you, whether you have been bankrupt, had a Part IX debt agreement or simply have a less-than-ideal credit score. Find out more about our bad credit loans.

If you’re at least 18 years of age, a permanent Australian resident and in regular paid employment, then you’re eligible to apply for an unsecured loan.

Depending on your income and financial obligations, you can borrow up to $10,000 – we’ll personalise your loan’s rates and terms to maximise your borrowing power and minimise your borrowing costs, ensuring you never take on more than you can afford.

Worried your bad credit history will cause problems? We’re here to help you find a way forward. We often help customers with bad credit scores get the loans they need and get their bad credit rating back on track. Call our friendly team on 1300 324 746 or contact us via live chat to find out more about our bad credit loans.

To apply for large personal loans of up to $10,000, you’ll need to be at least 18 years of age and a permanent Australian resident, with regular paid employment. Big loans also require a ‘Good’ or ‘OK’ credit score and may require security.

If you’re worried that your credit history may prevent you from taking out a large loan, you can get a free copy of your credit report from Equifax. You’ll need to answer some questions and it’ll take around 10 days to receive your report.

Once you know your credit score, we can advise you on whether or not you can take out a large loan, or whether you’d be better off applying for a bad credit loan. Call our friendly team on 1300 324 746 or contact us via live chat. You’ll find we’re big on providing honest, personalised advice.