Who says large loans are a big headache?
Paper-free. Hassle-free. We’ve made taking out large personal loans up to $10,000 simple, secure and swift.
- Flexible. Up to $10,000 over 9-36 months.
- Online. Apply online in minutes. It’s easy.
- Personal. Custom rates mean lower costs.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
How can we help you?
Below you’ll find answers to the most frequently asked large loan questions
Anything. You can apply online in minutes for anything from $5,000 to $10,000, which you can use however you want. Our customers across Australia use our large personal loans for a host of purposes, including:
- Car or motor vehicle finance
- Consolidating debts into one easy-to-manage loan
- Home improvements, renovations or appliances
- Holiday expenses, wedding expenses and bond or moving expenses
Whatever you need, we’ve made our loans as easy and affordable as we can, so you can get on with life. No unnecessary paperwork. No nagging doubts over whether you can afford a big loan – we’ve got your back and will only ever approve a loan if it’s in your best interests.
Credit RatingTo 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 FAIR GO or contact us via live chat. You’ll find we’re big on providing honest, personalised advice.
Our large personal loans enable you to borrow from $5,000 to $10,000, quickly, easily and securely. In fact, you can apply online in a matter of minutes and we’ll give you a decision within 24 hours. You can even accept our conditional offer via SMS – no printing, signing and scanning.
Taking out a big personal loan doesn’t have to be a big hassle. See for yourself. Apply for your large personal loan online.
And crucially, there are no early payout fees, so you can pay off your short term loan sooner if you like, once again minimising the cost of your loan.
With our large personal loans, you can borrow up to $10,000 over as little as 12 months or as much as three years. This provides the flexibility you need to minimise your borrowing costs without taking on big repayments that put you and your budget under undue pressure. And you can pay off your loan early at any time without penalty – no early payout fees here.
It’s all about ensuring you get a fair deal and our responsible lending commitment.
Our large personal loans are fixed rate loans. That means your interest rate will never change, making it easier to manage your budget and repayments.
What’s more, we personalise our rates and loans to ensure you get the best terms we can offer, minimising your borrowing costs. That’s a big deal. And as one of Australia’s largest non-bank lenders, that’s what it’s all about for us – lending responsibly and giving you a fair go.
You can apply for a large personal loan of up to $10,000 online in minutes. Alternatively, call our friendly team here in Australia on 1300 FAIR GO or contact us via live chat if you have any questions.
Borrow up to $10,000 with large loans that are personal in every sense.
Taking out a big loan doesn’t have to be a big headache. Or a big risk. At Fair Go, we make applying online for large personal loans – big loans from $5,000 to $10,000 – as easy, affordable, secure and transparent as possible.
As one of Australia’s largest non-bank lenders, we’ve applied all our financing and tech smarts to streamlining the application process for large loans. Our smart online application system will let you know whether you’re on track for your loan – and how much you can borrow – straight away. You can even accept our conditional offer via SMS.
Crucially though, our responsible lending commitment means you can rest easy. We’ll always do the right thing by you, personalising our rates to suit you and minimise your borrowing costs, with no early payout fees and no nasty surprises. And our rewards program means you can look forward to even better rates and fee discounts when you come back.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
Big loans with as little stress as possible.
While large personal loans may require security, we’ve made the application and assessment process quick and easy. Try it and see.
Apply Now!
Are you eligible to apply?
- I’m 18 years or older
- I’m employed (not self-employed)
- I’m paid $500 or more a week into my bank account
- My income is not solely from Centrelink
- I’ve not entered into bankruptcy or part 9 agreement within the last 12 months
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
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.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
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.