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 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||$0 – $400||$394 – $771||$536 – $662|
|Monthly Fee||$0 – $80||$9||$10|
|Interest Rate Per Annum (APR) *||N/A||17.20% – 29.90%||15.92% – 19.90%|
|Comparison Rate **||40.08% – 73.06%||39.61% – 64.52%||21.65% – 26.55%|
|Average Term||8 months||12 months||17 months|
|Repayment Per Week||$68||$71||$99|
|Interest Rate Per Annum (APR)||N/A||26.09%||19.14%|
|Comparison Rate||73.06% 1||52.66% 2||24.94% 3|
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Apply, approved and funded in as little as 15 minutes
Save up to $115 on small loan
Save up to $357 on medium loan
Returning customer gets up to $453 more on the second loan
65% of our customers enjoy a 42 point increase to their credit score.
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:
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:
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.
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:
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.
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.
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.
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.