We’re pleased to announce our Mates Rates rewards program has been updated and is now better than ever!

What is Mates Rates?

You are eligible for Mates Rates as soon as you return for a second loan with us.

It is intended to reward you for establishing a good credit history, by providing you with the “best value for money” small loans in Australia.

While we will continue to provide excellent customer service you will now get access to loan amounts at a customised personal rate, based on your credit profile and history with us.

With these new prices on offer and our updated mates rates for existing customers we’re confident to say we now have the best priced small loans in all of Australia – with repayments that you can comfortably afford.

Our Mates Rates reward program includes:

  • Better Rates – rather than having only one interest rate for all returning customers (which was 24.9%p.a.) you will now get a rate based on your credit profile and history – which could take your rate down as low as 15.2% p.a! (Comparison rate of 20.16% p.a.*) This is now in line with the big four banks!
  • Lower Establishment Fees – for each new loan with us, you will get an increased discount on your establishment fee!
  • Longer Repayment Terms – your history with us will help you access extended repayment terms from 18 months to 3 years, depending on the loan size you need and ensuring you’re never overcommitted.
  • Larger Loan Amounts – your history with us will help you access loan sizes up to $10,000!

mates rates rewards

There’s really never been a better time to go forward with a personal loan with us!

(Not everyone will be eligible for loans up to $10,000 as we will need to assess your application to make sure you get a suitable amount with an affordable repayment structure.)

As you can see, your history with us is actually worth money to you! So if you are looking for a personal loan, Mates Rates is here to help you go forward as fast as possible, making Fair Go Finance your obvious personal loan choice!

Thanks again for your feedback and we hope you enjoy all the fantastic benefits our new Mates Rates Rewards Program can now offer!

*Comparison rate based on an unsecured personal loan of $10,000 for a term of 3 years. Fees and charges are payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

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Are you eligible to apply?


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.

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.