Looking for a quick, responsible loan provider in Adelaide?
Discover why we’re the small loan lender of choice for customers in Adelaide and across Australia?
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Flexible
Small $500 loans, up to $10,000.
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Easy
Apply online. Get a decision in mins.
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Fair
We have thousands of Adelaide customers who can vouch for us.
Showing Adelaide’s small loan lenders how it’s done.
As one of Australia’s largest non-bank personal loan providers and a responsible lender, we provide small loans the right way. And not just for customers in Adelaide. We have customers nationwide who come back to us regularly for small loans ($500-$2,000), as well as large loans.
Instead of big overheads for branches in Adelaide CBD, we’ve applied all our finance expertise, tech smarts and financial resources to streamline our online loan service. The result, after years of ongoing improvement, is a smart and secure system that allows you to apply for your loan in minutes. Online. Anytime.
With our free and secure bank statement service fast tracking your application, you can get a provisional decision almost immediately. And if you’re conditionally approved, you can accept our provisional offer via SMS. No printing, signing or scanning.
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, fees & features
| SMALL Amount Loans | MEDIUM Amount Loans | LARGE Amount Loans | |
|---|---|---|---|
| Loan Amounts | $300 – $2,000 | $2,050 – $5,000 | $5,050 – $10,000 |
| Average Term | 1 – 12 months | 6 – 24 months | 9 – 36 months |
| Typical Establishment Fee | $0 – $400 | $394 – $771 | $536 – $662 |
| Monthly Fee | $0 – $80 | $9 | $10 |
| Interest Rate Per Annum (APR) * | N/A | 17.20% – 29.90% | 15.92% – 19.90% |
| Comparison Rate ** | 40.08% – 73.06% | 39.61% – 64.52% | 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.
| EXAMPLES | $1600 | $3,050 | $6,550 |
|---|---|---|---|
| Average Term | 8 months | 12 months | 17 months |
| Repayment Per Week | $68 | $71 | $99 |
| Establishment Fee | $278 | $495 | $561 |
| Monthly Fee | $56 | $9 | $10 |
| Interest Rate Per Annum (APR) | N/A | 26.09% | 19.14% |
| Comparison Rate | 73.06% 1 | 52.66% 2 | 24.94% 3 |
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 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.
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 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.
How to Apply
Apply Online
All it takes is 6 minutes with our smart online application form.
Accept Offer
If 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 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 6 minutes
Risk Based Pricing
Your credit profile is rewarded with tailored pricing. Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Mates Rates Loyalty Program
Enjoy rate and discount rewards for your loyalty. Rewarded on your return!
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.
Genuine Customer Service
Real and caring consultants to help you go forward. Funded in minutes!
Apply, approved and funded in as little as 6 minutes
Risk Based Pricing
Your credit profile is rewarded with tailored pricing. Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Mates Rates Loyalty Program
Enjoy rate and discount rewards for your loyalty. Rewarded on your return!
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 personal loan questions
As one of Australia’s largest non-bank personal loan providers, we’re 100% online. But while we don’t have branches in Adelaide, we’re the small loan lender of choice for a growing legion of customers across Adelaide, South Australia and the rest of the country.
And the fact that we don’t have branches or offices in Adelaide is a good thing. Instead of paying for expensive premises, we’re able to use all our finance, tech and financial resources to make applying for loan as quick, easy and secure as possible. Apply for a loan online and see for yourself.
It also means that our team can focus on providing personal service and personalised loan rates and terms, ensuring we always do the right thing by you and minimise your borrowing costs.
But don’t take our word for it. Put us to the test. Call us on 1300 324 746 or contact us via live chat if you have a question, or apply online in minutes.
We have customers across South Australia, and while many of them live in Adelaide, you can apply for a loan from anywhere.
Unfortunately, we can’t offer you a loan if you live in a caravan park, but that’s the only proviso. So, as long as you meet our basic eligibility requirements, if you have a smart device and an internet connection, then you can apply online.
You can apply for small loans, starting at $500, right through to $10,000 loans. And whatever the size of your loan, the application process is quick and easy – you can apply and get a provisional decision from our smart system in minutes.
In Australia, a loan of $500-$2,000 is referred to as a small loan. But we also offer larger loans – our customers across Adelaide and South Australia regularly apply for loans up to $10,000.
You’ll find other small loan providers in Adelaide, of course. However, it pays to be careful, especially if you’re considering dealing with a small lender.
Here at Fair Go, as one of Australia’s largest non-bank personal loan providers and a responsible lender, we have a deserved reputation for doing the right thing by our customers. Always. We’re completely upfront about our fees, we never charge early payout fees and we’ll personalise our rates and terms to minimise your borrowing costs.
Whatever the size of your loan, our online application process is the same – quick and easy. Our smart system can give you a provisional decision in minutes. But don’t take our word for it. Apply for a small loan and see for yourself.
No. All of our small loans (loans from $500 to $2,000) are unsecured loans, so you don’t need to provide an asset as security. On the other hand, depending on your credit history and personal circumstances, you may need to take out a secured loan for a larger amount.
We look at a range of factors when we assess your application. This is important. As a responsible lender, we always have your best interests at heart – we’re here to help you get the cash you need to move forward in life, without putting yourself and your budget under undue stress.
That’s why, if your application receives conditional approval from our smart system, our team will be in touch with you ASAP. We’ll verify your personal information and discuss the terms of your loan, ensuring we minimise your borrowing costs and that the loan works for you.
A less than ideal credit score isn’t the end of the world. In fact, while we can’t guarantee we’ll be able to provide a loan if you have a bad credit score – even a small loan – we’ve helped lots of customers in Adelaide and throughout the country who have bad credit ratings.
We believe everyone deserves a fair go. And as one of Australia’s largest non-bank personal loan providers and a responsible lender, we’ll do everything we can to help you – if there’s a way for us to help you get a loan, without risking your long-term financial wellbeing, then we will.
If you’re not sure if you have a bad credit score, watch our video about how to find out your credit score, or request a free copy of your credit report from Equifax. It’s easier for us to advise you on the best way forward if we know if – and why – you have a bad credit score.
Making small loans quick and easy.
Assuming you’re formally approved, we’ll transfer your funds overnight. So that’s a journey from online application to cash in your account that takes 24-48 hours.
See what our customers are saying
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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.