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.