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

How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate

19.9%

Total repayment

$3,871

Comparison rate from p.a.

44.2%

Min weekly repayment $72.48

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.

 

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.

How to Apply

Fair Go Finance Unique Selling Point

Apply Online

All it takes is 6 minutes with our smart online application form.
Fair Go Finance Unique Selling Point

Accept Offer

Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Fair Go Finance Unique Selling Point

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!
Fair Go Finance Unique Selling Point

Personalised Support

If you need a little help with anything, simply talk to our support team.
Apply Online

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.

Fair Go Finance Unique Selling Point

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

Fair Go Finance Unique Selling Point

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

Fair Go Finance Unique Selling Point

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

Fair Go Finance Unique Selling Point

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

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 Online

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.