Get fast access to cash with our Speedy Loans for Fair Credit
If you're looking for a speedy loan and have fair credit, you're in the right place. At Fair Go Finance, we offer quick and easy loans designed specifically for borrowers with fair credit. We understand that life can be unpredictable, so we make sure you can access the funds you need, fast, while keeping everything transparent and hassle-free.
Calculate your repayments
What this means...
- Interest Rate p.a.
- 29.90%
- Comparison Rate p.a.
- 41.64%
- Total Repayment
- $4,212.51
Minimum weekly repayment*
$81.01
Ready to get started? Get your personalised rate and repayments without impacting your credit score or see our rates & fees
*Includes an interest rate of 29.90% (Comparison Rate of 41.64%). 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.
How a loan for fair credit works
We’ve simplified the process so you can get cash quickly, it still may be possible, even with bad credit. Here’s how it works:
Apply Online: Fill out our easy application form in under 6 minutes.
Instant Approval: We’ll review your application and give you a decision quickly.
Get Funds in 15 Minutes: Once approved, the money is transferred to your account in as little as 15 minutes.
Need a loan urgently but only have fair credit?
Don’t worry! We focus on your current financial situation, and you may still be eligible for a loan. If you meet the following criteria:
Age: You must be 18 years or older.
Location: Based in Australia.
Income: You need to show regular income, either from employment or government benefits.
If you meet these criteria, you’re eligible to apply! Our simple online application process requires basic supporting documents, including:
ID verification.
90-day bank statement history.
Proof of income, whether it’s wages or Centrelink benefits.
Use our eligibility checker to see if you can borrow without affecting your credit score.
Why Perth Residents Trust Fair Go Finance
Fast Approval: Apply online in minutes and get an answer fast – no long wait times.
Same Day Funds: Once approved, receive your money in as little as 15 minutes.
Bad Credit Friendly: We consider your overall financial health, not just your credit score.
No Hidden Fees: Transparent terms with no surprises, ever.
Flexible Loans: Borrow from $500 up to $10,000 and choose repayment terms up to 24 months.
We believe in full transparency to ensure you make the best financial decision for your situation. Learn more about our personal loans in Perth, including low-interest and instant cash loan options.
Rates (APR), fees & features
Small Amount Loans
Read More: Small Amount LoansMedium Amount Loans
Read More: Medium Amount LoansLarge Amount Loans
Read More: Large Amount LoansFor our loans of $500 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.
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
Examples
$1,350 | $3,600 | $6,900 | |
Average Term | 8 months` | 13 months | 18 months |
Average repayment per week | $48 | $90 | $119 |
Establishment Fee | $265 | $627 | $595 |
Monthly Fee | $50 | $11 | $14 |
Interest Rate Per Annum (APR) | N/A | 27.49% | 21.90% |
Comparison Rate | N/A | 60.61% * | 28.87% ** |
For our loans of $500 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.
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
What Can You Use Your Loan For?
Our cash loans for fair credit can be used for almost anything, including:
Emergency car repairs – Don’t let car troubles derail your day.
Medical bills – Get the care you need without the stress of unexpected costs.
Home repairs – Fix those urgent home issues, like a leaking roof or broken appliance.
Debt consolidation – Simplify your finances by combining multiple debts into one easy-to-manage loan.
Unplanned travel – Need to travel for a family emergency? We’ve got you covered with fast cash.
Apply for your personal loan today
Need fast access to cash but only have credit? Fair Go Finance is here to help. Our cash loans for fair credit in Perth offer quick approval, same day funds, and flexible terms to suit your needs. Check your eligibility today without impacting your credit score, and take control of your finances!
Ready to get started?
How to Apply
With no early payout fees, our flexible range of online loans are perfect for the changing needs of hardworking Aussies. And because our rates are personalised, they’re highly competitive, whatever your credit rating.
Apply Now
All it takes is 6 minutes with our secure online application form.
Accept Offer
If approved, accept your offer signing online with a secure SMS code.
Receive Finance
Your funds are transferred as cleared funds so you can start using it sooner.
Personalised Support
If you need a little help with anything, simply talk to our support team.
How can we help you?
Below you’ll find answers to the most frequently asked personal loan questions