24/7 Loans – Apply Anytime, Get a Fair Go
Life does not wait for banking hours. If a late-night bill, car issue, or urgent expense pops up, you can apply online in minutes and, if approved, get funds moved quickly. Enjoy flexible repayments, personalised rates, and friendly Australian support that keeps things simple.
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Calculate your repayments
What this means...
- Interest Rate p.a.
- 29.90%
- Comparison Rate p.a.
- 54.30%
- Total Repayment
- $4,212.51
Minimum weekly repayment*
$81.01
Ready to get started? Get your personalised rate and repayments without impacting your credit score or see our rates & fees
*Includes an interest rate of 29.90% (Comparison Rate of 54.30%). 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.
24/7 loans made simple
Unexpected costs can arrive at any time. With Fair Go Finance, you can apply whenever it suits you, from anywhere in Australia. Submit your application at midnight or on a Sunday. If approved, funds are transferred promptly during standard banking times, for loans up to $10,000.
Fast decisions that let you move forward sooner
Personalised pricing based on your situation
Flexible repayments weekly, fortnightly, or monthly
Genuine service from an Australian team
Clear costs with no hidden fees
Build credit confidence on-time repayments may help your credit history
Borrow up to $10,000, subject to eligibility and affordability. Everything is transparent up front.
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How it works
Apply online in minutes, any time of day
If we need anything, a credit consultant will contact you
Review your offer and accept with a quick e-sign
If approved, funds are sent promptly during banking hours, up to $10,000*
* Timing depends on your bank and when you apply. Banking day cut-offs apply. Responsible lending criteria apply.
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FAQs – 24/7 Loans
A 24/7 loan is a fully online personal loan you can apply for at any time. Fair Go Finance offers amounts up to $10,000, with a quick digital process and clear, responsible terms.
Emergency bills, car repairs or rego, rent or bond, medical or dental costs, essential household purchases, or avoiding late fees and overdrafts.
Yes. Fair Go Finance considers your current financial circumstances, not just your credit score. If you can comfortably manage repayments, you may still qualify.
You’re welcome to contact us outside business hours either by e-mailing us at apply@fairgofinance.com.au or completing our Contact Us website form.
Please remember to include your full name, best contact number and reference number if you have a loan with us, and we’ll be sure to get back to you the next business day.
The loan repayments are calculated based on your individual financial situation to ensure they are affordable to you. The repayments will be fixed over a term so they can be easily budgeted for, and by repaying your loan successfully, you will also have the ability to improve your credit score because of our adoption of Comprehensive Credit Reporting.
We simply ask that you contact us as soon as possible. By letting us know your situation, we’ll be able to discuss alternative options with you.
No. Use our no-impact eligibility check first. A credit enquiry occurs only if you submit a full application.