Get a large loan that's easy and stress-free.
Paper-free. Hassle-free. We’ve made taking out large personal loans up to $10,000 simple, secure and swift.
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Flexible
Up to $10,000 over 9-36 months.
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Online
Apply online in minutes. It’s easy.
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Personal
Custom rates mean lower costs.
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.
Loan Calculator
*Includes an interest rate of XX.XX% (Comparison Rate of XX.XX%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. 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.
Rates (APR), fees & features
| LARGE Amount Loans | |
|---|---|
| Loan Amounts | $5,050 – $10,000 |
| Average Term | 9 – 36 months |
| Typical Establishment Fee | $536 – $662 |
| Monthly Fee | $10 |
| Interest Rate Per Annum (APR) * | 15.92% – 19.90% |
| Comparison Rate ** | 21.65% – 26.55% |
*For our loans of $300 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.
**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.
| EXAMPLE | $6,600 |
|---|---|
| Average Term | 17 months |
| Repayment Per Week* | $99 |
| Establishment Fee | $561 |
| Monthly Fee | $10 |
| Interest Rate Per Annum (APR) | 19.14% |
| Comparison Rate | 24.94% 1 |
1. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 36 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How to Apply
Apply Online
All it takes is 6 minutes with our smart online application form.
Accept Offer
Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Receive Finance
Real-Time Funding will make sure your funds are transferred as cleared funds within 1 min, so you can start using it sooner!
Personalised Support
If you need a little help with anything, simply talk to our support team.
Why choose Fair Go Finance?
We’ve been giving our customers a Fair Go since 2008.
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Genuine Customer Service
Real and caring consultants to help you go forward. Funded in minutes!
Apply, approved and funded in as little as 15 minutes
Risk Based Pricing
Your credit profile is rewarded with tailored pricing. Rewarded on return!
Save up to $115 on small loan
Save up to $357 on medium loan
Mates Rates Loyalty Program
Enjoy rate and discount rewards for your loyalty. Get more & pay less!
Returning customer gets up to $453 more on the second loan
Boost Your Credit Score
Improve your financial future by repaying your loan with us. Good credit, not bad!
65% of our customers enjoy a 42 point increase to their credit score.
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 324 746 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 324 746 or contact us via live chat if you have any questions.
- Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
- A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
- Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
- Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.
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.
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Are you eligible to apply?
- I am 18 years or older
- I have not entered into bankruptcy or part 9 agreement within the last 6 months
- I am willing to provide my Bank Statements online
- My income is not solely from Centrelink
Please note: Bank statements can only be submitted via our secure online service.