Looking for a quick, responsible loan provider in Melbourne?
Whether you need a large or small loan, our loans are quick, secure and responsible too.
- Quick. Apply and get a decision in minutes.
- Flexible. Small loans, right up to $10,000.
- Fair. We have thousands of Melbourne customers who can vouch for us.
All prices shown are indicative and are for new customers. For returning customers, you will be eligible for our Mates Rates Loyalty Reward benefits, which includes a 10% discount on your establishment fee. All personal loan applications are subject to approval and will be assessed separately by reference to the applicant’s individual circumstances.
All prices are indicative. 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. 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.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
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 FAIR GO 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 FAIR GO. 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.
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.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
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.
Apply Now!
Are you eligible to apply?
- I’m 18 years or older
- I’m employed (not self-employed)
- I’m paid $500 or more a week into my bank account
- My income is not solely from Centrelink
- I’ve not entered into bankruptcy or part 9 agreement within the last 12 months
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
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.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
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.