How do we put the ‘personal’ into personal loans?
Personalised rates. Personalised terms. Fast personal service. That’s what makes our online loans quick and easy.
- Flexible. $500-$10,000, up to 36 months.
- Personal. Custom rates. Lower costs.
- Accessible. Talk to our friendly Australian team.
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
Pretty much anything. Our personal loans are quick and easy online loans for anything from $500 to $10,000 that you can use to cover or spread the cost of unexpected bills, regular expenses, everyday purchases and must-have treats.
Our personal loans include, but aren’t limited to:
- Cash loans. Take out a quick, online loan when you need cash fast.
- Car loans. Buy a used car, borrow part of the cost of a new car or pay for car repairs.
- Holiday loans. Spread the cost of your next holiday or upgrade your travel plans.
- Education loans. Spread the cost of school fees or pay for new uniforms.
- Medical loans. Deal with unexpected medical or dental bills or elective surgery.
- Vet loans. Ensure your pet gets the care and treatment they need when they need it.
- Bond loans. Cover the cost of the bond on your new home or your moving expenses.
- Cosmetic surgery loans. Get the cosmetic treatment you want.
- Debt consolidation loans. Bring your debts together with one easy-to-manage loan.
We provide quick and easy loans for pretty much everything – we’re here to help you get the cash you need to get on with life, without putting yourself or your household budget under unnecessary pressure. It’s all part of our responsible lending commitment.
Our personal loans come in three sizes:
- Small personal loans. Quick and easy fixed fee personal loans from $500 to $2,000.
- Medium personal loans. Equally fast and easy loans from $2,000 to $5,000.
- Large personal Loans. Easy, speedy online loans of $5,000 to $10,000.
No matter how much you want to borrow, the online application process is the same. It’s quick, easy and 100% online, enabling our friendly team to give you a preliminary decision and conditional approval fast. Same-day fast.
See for yourself. Apply for your personal loan online today – it only takes a few minutes.
As a responsible lender and one of Australia’s largest non-bank personal loan providers, we look after your long-term financial wellbeing, as well as your short-term borrowing needs. There’s no point taking out a quick online loan if it puts you under financial stress and into financial hardship.
This means personalising our rates and fees to maximise your borrowing power and minimise your borrowing costs, as well as offering a range of repayment terms to avoid unnecessary pressure on your day-to-day budget.
- Small personal loans. Borrow $500 to $2,000 over 3-12 months.
- Medium personal loans. Borrow $2,000 to $5,000 over 3-24 months.
- Large personal loans. Borrow $5,000 to $10,000 over up to 36 months.
To find out more about how we personalise our rates and terms to minimise the cost of our personal loans, call our friendly team on 1300 FAIR GO or contact us online via live chat.
We offer both secured personal loans and unsecured personal loans. It really depends on your personal circumstances which option is right for you. For instance, if you have a less than ideal credit history, it may be that you need to take out a secured loan.
If you’re worried that your credit score may prevent you from taking out a personal loan, don’t worry. We help lots of people with poor credit ratings get the loans they need and get their credit history back on track. Find out more about our bad credit loans.
When you’re comparing personal loans and loan providers, there are five key questions you need to ask:
- Is the lender a responsible personal loan provider?
- Is the website and online application process secure?
- Are the personal loan terms and costs transparent?
- Does the lender have a good online reputation?
- Is it easy to contact the lender and do they answer queries fast?
At Fair Go, we can answer yes to all of these questions.
As a responsible lender, with a firmly established responsible lending commitment, we always act in your best interests. We’re here to give you quick, easy, online access to the personal finance you want, but we’ll never jeopardise your long-term financial wellbeing.
We’ll always work to minimise your borrowing costs. We’ll never lend you more than you can afford. We’ll always keep your personal details safe – our website and online application has bank-grade security. And we’ll always be upfront about our fixed loan costs, so you can plan and budget without worrying about unexpected fees and costs.
Find out more about comparing personal loans and lenders and how to compare personal loan rates. Or call our friendly team on 1300 FAIR GO or contact us online via live chat if you have a question.
You can apply for a quick online personal loan if you’re at least 18 years of age and a permanent Australian resident, with regular paid employment. You must be earning at least $500 per week.
There are no guarantees we can arrange a personal loan for you if you have a less than ideal credit rating, but we often help people who have a bad credit score to get the personal loans they need to get on with life and get their credit history back on track.
Read about our personal loan eligibility criteria and our bad credit loans.
Applying for one of our personal loans is quick and easy. It’s 100% online and as fast as it is secure.
- Apply online. It only takes a few minutes to apply for your personal loan. You can then track the progress of your application online.
- Get a decision. Use our free and secure bank statement service to fast-track the next stage of your application. If your application receives conditional approval, you can accept our preliminary offer via SMS. No printing, signing and scanning.
- Receive your funds. If your personal loan application receives formal approval, we’ll transfer the cash into your account fast, usually overnight.
Apply for your personal loan today – it only takes a few minutes – or call our team on 1300 FAIR GO or contact us online via live chat if you have any questions.
Making online personal loans as quick, easy and secure as can be.
There’s a reason our online personal loans are so popular with our customers across Australia. In fact, there are several. But it all comes back to our mission to help everyday Australians get the cash they need to get on with life – to give everyday Australians a fair deal on personal loans.
We’ve used all of our team’s finance and tech know-how to make the online application process as fast as it is secure. And when you consider our website and online application boasts bank-level security, that means applying for our online personal loans is super fast.
It’s this commitment to looking after your best interests and providing a quick and easy online experience that’s enabled us to become one of Australia’s largest non-bank personal loan lenders.
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%.
Personal loans with personalised rates.
We personalise our rates and terms to maximise your borrowing power and minimise your borrowing costs. And when you return, as so many of our customers do, we’ll reward you with even better rates on your next personal loan.
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.