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.

  • Quick. Apply only. Get a decision in mins.
  • Flexible. Small loans, right up to $10,000. 
  • Responsible. We have thousands of Sydney customers who can vouch for us.

How Much?

$500 $10,000

How Long?

6 months 36 months

Min weekly repayments* $72.50

Total repayment $3,767.19

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

Apply Online

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 FAIR GO call or click away.

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, 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.

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.