Personal loans

Personal Loans in Melbourne

Whether you need a large or small loan, our loans are quick, secure and responsible too.


Apply and get a decision in minutes.


Small loans, right up to $10,000.


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.

Rates (APR), fees & features

Loan Amounts

$500 - $2,000

Avg. Term

3 - 12 months

Establishment Fee

$60 - $400

Monthly Fee

$15 - $80

Interest Rate (P/A)


Comparison Rate


Loan Amounts

$2,050 - $5,000

Avg. Term

6 - 15 Months

Establishment Fee


Monthly Fee

$0 - $18

Interest Rate (P/A)

29.90% - 47.00%

Comparison Rate

41.64% - 50.28%

Loan Amounts

$5,050 - $10,000

Avg. Term

14 - 24 months

Establishment Fee

$546 - $795

Monthly Fee

$9 - $14

Interest Rate (P/A)

21.90% - 25.90%

Comparison Rate

28.71% - 33.80%

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.

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.

We're with you

So why Fair Go Finance?

We want what’s best for our customers. And we show it every day with loans and service tailored to you.

Why Choose Us
  • Genuine customer service

    Our genuine, down-to-earth team is here for friendly, helpful advice – and zero jargon.

  • Personalised pricing

    We get to know your situation to craft a tailored rate just for you.

  • Credit score boost

    Make timely repayments on an initial easy-to-manage loan to actively boost your credit score.

  • Check if you qualify

    Learn how likely you are to get approved, with no impact on your credit file.

How can we help you?

Below you’ll find answers to the most frequently asked personal loan questions

See what our customers have to say about us

See Reviews and Feedback