Access Line of Credit when you need it
Access funds when you need them with a Line of Credit that’s always there to back you up.
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Whenever you need them
Life’s full of surprises — and sometimes you need a little extra to cover them. A Fair Go Line of Credit gives you flexible access to funds for those bigger moments, like unexpected bills, urgent repairs, or when plans change. It’s your backup plan, ready whenever you need it — with no monthly fees and no fuss.
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Rates (APR), fees & features for Line of Credit
| Line of Credit | |
|---|---|
| Facility Limit | $1,000 - $2,000 |
| Average Term | Revolving |
| Establishment Fee | $0.00 |
| Interest Rate Per Annum (APR) | 29.90% - 47.00% |
Ready to get started?
How to Apply
With no early payout fees, our flexible Line of Credit facility is 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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Line of Credit FAQs
Below you’ll find answers to the most frequently asked medium loan questions.
A Line of Credit gives you access to an approved limit that you can tap into whenever you need. You choose how much you draw down, and you only pay interest on the amount you use — not the full limit.
If you want a flexible way to cover bigger or unexpected expenses - like surprise bills, urgent repairs or one-off costs - a Line of Credit could be a great option. It’s designed to be a handy backup, not for everyday spending.
There are no setup or ongoing fees. You’ll only pay interest on the funds you draw down, making it a simple, flexible option when you need extra cash.
A personal loan gives you a set amount of money in one go, with fixed repayments over a set term. A Line of Credit is more flexible - you can withdraw what you need, when you need it, up to your approved limit.
Your approved credit limit will depend on your application and personal circumstances. We'll let you know what your limit is once you're approved.