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How Our Risk-Based Pricing Works

Applying for a Loan

How does risk-based pricing work?

We offer risk-based pricing through our own tiered rates, giving you the ability to secure up to 50% lower rates than our competitors.

What this means is that our rates reward good borrowers for their good financial habits. And it equally gives a fair go to borrowers who are shut out by mainstream lenders due to their restricted lending criteria.

With Fair Go Finance, if you don’t immediately qualify for our lowest rate on your first loan, you will have every opportunity to qualify for better pricing on your future loans, simply by making your loan repayments on time, establishing a good repayment history with us and seeing your credit score increase over time.

About us and our focus on you

Like all the best businesses, Fair Go was born out of a desire to do something good.

For us, that means helping people get a fair go, financially. In this marketplace, most lenders operate for their own best interests instead of giving the customer a product that is tailored to them. We aren’t like them, we’re here to listen, advise and share all of our financial and tech smarts to get you cash so you can get on with life.

  • Our purpose: To empower people, financially.

  • Our vision: To be a market leader in online credit through a combination of innovation, technology and services, to improve the lives of our customers.

Different. In a good way

We’re not your typical, small loan company. We’ve operated differently from our competitors from the get-go.

We’re 100% online, which means instead of paying for expensive branches we can focus all our efforts and resources on our customers experience.

We also are committed to making long-lasting, sustainable changes that will help our customers go forward financially, both now and in the future.

Learn more about Fair Go Finance and how we help our customers go forward.