Looking for a responsible small loan provider in Melbourne ?
Whether you need a large or small loan, our loans are quick, secure and responsible too.
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Quick
Apply and get a decision in minutes.
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Flexible
Small loans, right up to $10,000.
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Fair
We have thousands of Melbourne customers who can vouch for us.
Melbourne’s fairest quick loan lender isn’t in Melbourne at all.
At Fair Go, we’re 100% online, offering small loans of $500-$2,000, right through to $10,000 loans. No expensive branches in Melbourne CBD. No unnecessary overheads. Just quick loans you can apply for online in minutes, with personalised rates and terms minimising your borrowing costs.
As one of Australia’s largest non-bank personal loan providers and a responsible lender, we’ve used all our finance and tech smarts to make applying for your loan as quick, easy and secure as possible.
Whether you need $10,000 or a small loan, you can apply in minutes. Use our quick and secure bank statement service and our smart system can give you a provisional decision almost immediately. And assuming you’re conditionally approved, you can accept our offer via SMS. Our friendly team will then call you to progress your application and personalise your loan.
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 an online lender – one of Australia’s largest non-bank personal loan providers – we don’t have traditional branches in Melbourne, or anywhere else in Australia for that matter. And that’s a good thing.
It means we’re able to keep our overheads down and continually invest in developing our smart online application system, making it quick and easy to apply for a loan, from small loans of $500 through to $10,000 loans. Online. Anytime.
It also means that our team here in Australia can focus on providing personal service, as well as personalised loan rates and terms, ensuring we minimise your borrowing costs and always do the right thing by you and your long-term financial wellbeing.
So, whether you’re in Melbourne or living the other side of the country, we’re here to help. Call us on 1300 324 746 or contact us via live chat, or apply online for a quick and easy loan in minutes.
Not at all. While many of our customers in Victoria live in Melbourne or around Melbourne, we provide quick online loans for customers across Australia, many of them in remote rural areas.
If you have an internet connection and meet our eligibility requirements, you can apply online in minutes. It really is that quick, whether you apply for a small loan of $500 or a large loan of $10,000. What’s more, our smart system will give you a provisional decision almost immediately.
There’s only one exception: if you live in a caravan park, we’re unable to offer you a loan.
Our customers in Melbourne and across Australia come to us for quick personal loans ranging from small loans of $500-$2,000 right through to larger personal loans of $10,000. And you’re free to use your cash however you wish.
Whatever the size of your loan, and whatever you need it for, our online application process is the same. Our smart system makes applying quick and easy – you can apply and get a provisional decision in minutes.
See for yourself. Apply for your quick and secure loan online today.
If you’re living in Melbourne (or anywhere in Australia, in fact), then technically speaking a small loan is any loan ranging from $500 to $2,000.
Now, you’ll find lots of small loan lenders in Melbourne and other capital cities – some of them promising quick loan applications and approvals. However, as one of Australia’s largest non-bank personal loan lenders, we’re not only quick, we’re secure and, crucially, responsible too.
With us, you can apply online for a small loan of $500-$2,000 or as much as $10,000 in a matter of minutes. Our smart system will give you a provisional decision in minutes, too. And as a responsible lender, we’ll always be upfront about the cost of your loan – no nasty surprises – and we’ll personalise our rates and terms to minimise your borrowing costs.
No, our small loans are unsecured loans. You don’t need to provide an asset as security for small loans of $500-$2,000. However, if you’d like to take out a larger loan, you may need to provide security – it all depends on your financial situation and credit history.
When you apply online for a quick loan with us, our smart system will give you a provisional decision in minutes.
Then, assuming you’re conditionally approved, our friendly team – based here in Australia – will call you to verify your details and discuss your loan. At that point, we’ll be able to advise you whether you need to take out a secured loan.
If you have a less than ideal credit score, it may affect your ability to take out a personal loan, but you should still talk to our team on 1300 324 746. Our bad credit loans have helped customers across Melbourne and Australia get the cash they need and get their credit history back on track.
As one of Australia’s largest non-bank personal loan providers and a responsible lender, we believe everyone deserves a fair go. So, if there’s a way for us to help you get a loan, without risking your credit score or long-term financial wellbeing, then we will.
If you have a bad credit rating – or think you have a bad credit score – you may find it easier to take out a small loan rather than a large one. We recommend watching our video about how to find out your credit score, or you can request a free copy of your credit report from Equifax. Once you know if – and why – you have a bad credit score, it’s easier for us to advise you.
Large or small, all our loans are quick.
No printing, signing and scanning. No delays. Just ask our customers in Melbourne. You can go from online application to having your cash paid to your nominated account in 24-48 hours.
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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.