We put the ‘personal’ in personal loans
Personalised rates. Personalised terms. Fast personal service. That’s what makes our online loans quick and easy.
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Flexible
Apply up to $10,000 and 36 months.
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Personal
Low and custom rate from 9.9%.
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Accessible
Talk to our friendly Australian team.
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.
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 | $300 – $2,000 | $2,050 – $5,000 | $5,050 – $10,000 |
| Average Term | 1 – 12 months | 6 – 24 months | 9 – 36 months |
| Typical Establishment Fee | $18 – $400 | $375 – $771 | $536 – $795 |
| Monthly Fee | $6 – $80 | $8 – $9 | $10 – $11 |
| Interest Rate Per Annum (APR) * | N/A | 9.90% – 29.90% | 15.92% – 25.90% |
| Comparison Rate ** | 30.23% – 73.06% | 30.63% – 64.52% | 21.65% – 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 | $1600 | $3,050 | $6,550 |
|---|---|---|---|
| Average Term | 8 months | 12 months | 17 months |
| Repayment Per Week | $68 | $71 | $99 |
| Establishment Fee | $278 | $495 | $561 |
| Monthly Fee | $56 | $9 | $10 |
| Interest Rate Per Annum (APR) | N/A | 26.09% | 19.14% |
| Comparison Rate | 73.06% 1 | 52.66% 2 | 24.94% 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 36 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 36 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.
How to Apply
Apply Online
All it takes is 6 minutes with our smart online application form.
Accept Offer
Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Receive Finance
Real-Time Funding will make sure your funds are transferred as cleared funds within 1 min, so you can start using it sooner!
Personalised Support
If you need a little help with anything, simply talk to our support team.
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
Risk Based 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
Mates Rates Loyalty 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
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 324 746 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 324 746 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.
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.
- Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
- A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
- Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
- Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.
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.
See what our customers are saying
Read all reviews
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.