Looking for Sydney's fairest competitive small loan provider?
You’ve found us. Discover why our Sydney customers come back to us for their small loans.
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Quick
Apply only. Get a decision in mins.
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Flexible
Small loans, right up to $10,000.
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Responsible
We have thousands of Sydney customers who can vouch for us.
Setting the benchmark for Sydney's small loan lenders.
It used to be that if you lived in Sydney and you needed a small loan, it made sense to find a local lender. Not anymore. At Fair Go, we’ve become one of Australia’s largest non-bank lenders and the personal loan provider of choice across Australia – including Sydney – by doing things better.
By being upfront and a responsible lender. By using all our finance and tech smarts to go 100% online. And by streamlining our secure application, assessment and approval process – our free and secure bank statement service means successful applicants generally receive their cash in 24-48 hours.
No unnecessary paperwork. No expensive Sydney CBD offices. Just large, medium and small loans with competitive rates and terms that we personalise to minimise your borrowing costs, all backed by industry-leading customer service that’s just a 1300 324 746 call or click away.
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 | $500 - $2,000 | $2,050 - $5,000 | $5,050 - $10,000 |
| Average Term | 3 – 12 months | 7 – 19 months | 14 – 24 months |
| Typical Establishment Fee | $60 – $400 | $437 – $771 | $546 – $795 |
| Monthly Fee | $15 – $80 | $10 - $14 | $9 - $14 |
| Interest Rate Per Annum (APR) * | N/A | 23.31% - 29.90% | 21.90% - 25.90% |
| Comparison Rate ** | N/A | 50.05% - 65.88% | 27.54% - 33.80% |
*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 | $1,350 | $3,600 | $6,900 |
|---|---|---|---|
| Average Term | 8 months | 13 months | 18 months |
| Repayment Per Week | $48 | $90 | $119 |
| Establishment Fee | $265 | $627 | $595 |
| Monthly Fee | $50 | $11 | $14 |
| Interest Rate Per Annum (APR) | N/A | 27.49% | 21.90% |
| Comparison Rate | N/A | 60.61% 2 | 28.87% 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 24 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 24 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.
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
Customised 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
Loyalty Rewards 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
Customised 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
Loyalty Rewards 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 lenders, we provide loans for customers across the country, from small loans of $500 to large $10,000 loans, from Sydney to Perth and from Melbourne to Darwin and everywhere in between.
But because we’re 100% online, we don’t have branches in Sydney (or anywhere else for that matter). And that’s a good thing.
It means we’re able to keep our overheads down, so we can use all our finance and tech smarts to deliver quick, easy and secure personalised loans that minimise your borrowing costs. All supported by the best customer care. All with your best interests and financial wellbeing in mind. All just a click or call away, whether you live in Sydney or on the other side of the country.
Contact us on 1300 324 746 or via live chat, or apply online for a quick and easy loan.
We’re here to help all Australians get a fair go and the loans they need to get on with life, whether you live in Sydney or on the other side of the country.
As long as you have a valid residential address (we can’t provide a loan if you live in a caravan park) and a smart device and an internet connection, you can apply securely online for a loan and get a provisional decision in minutes – you certainly don’t need a Sydney postcode.
We provide loans ranging from small loans of $500 to large loans of $10,000 for customers across Australia, from Sydney to Perth and from Melbourne to Cairns.
What’s more, whether you need a small loan or a bigger loan, our quick, easy and secure online application process is the same. You can apply online and get a provisional decision from our smart system in minutes. Apply for your loan today and see for yourself how fast and simple it is.
In Australia, a small loan is any loan ranging from $500 to $2,000. That’s the case whether you’re applying for a small loan in Sydney or on the other side of the country.
As for how quickly you can take out a small loan, it all depends on the lender. There are lots of small loan companies in Sydney, just as there are in other state capitals, but not all lenders have a process that’s as quick, responsible and secure as ours.
At Fair Go, you can apply online for a small loan and get a conditional decision from our smart system in minutes – an offer that you can accept via SMS. No printing, signing and scanning. No delays. And because we’re a responsible lender you can rest assured we’ll be crystal clear about the cost of your loan from the get-go. No nasty surprises, hidden fees or early payout penalties.
All of our small loans are unsecured loans. In other words, you don’t need to provide an asset as security if your loan is between $500 and $2,000. If you’d like to take out a larger loan, you may have to opt for a secured loan – it depends on a number of factors, including your credit score.
Either way, the application process is the same. It’s quick, easy and 100% online – you can apply in minutes and you’ll get a provisional decision from our smart system almost instantly. If you receive conditional approval, you can accept our offer via SMS, then our friendly team will contact you to progress your application and discuss the terms of your loan.
The whole process is secure and streamlined – if you’re approved, we can turn your loan around in 24-48 hours.
If you have a less than ideal credit score, it’s easier to get a small loan ($500-$2,000) than a larger loan, but securing approval for any loan depends on your credit history, your current situation and the reason for your poor credit rating.
Whatever your situation, rest assured we’ll do everything we can to help you get the loan you need. That’s why we offer bad credit loans, which are designed to help customers who have a bad credit score secure the finance they need and, in the process, get their credit history back on track.
We’re happy to advise you on the best way forward, but it makes sense to find out your credit score before you apply. If you apply for a loan – even a small loan – but you’re unsuccessful (due to your credit score) it could further damage your credit history.
We suggest you request a free copy of your credit report from Equifax.
Large, medium and small loans that are simple.
Our smart system can give you a provisional decision immediately. And if you’re approved you can accept our conditional offer via SMS. See, we said it was quick and easy.
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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.