Fast & Fair Cash Loans in Townsville – Borrow up to $10,000
From car troubles before a shift at the port to a medical bill that can’t wait, Fair Go Finance helps Townsville locals stay on top of life’s surprises. Apply 100% online in minutes for a fast, fair loan with clear costs, flexible repayments, and no hidden catches.
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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.
Townsville life moves fast, we help you keep up.
Living in North Queensland means juggling busy workweeks, big weekends, and the occasional tropical storm. When an unexpected cost hits, whether it’s a car repair, school expense, or home fix after heavy rain a Fair Go Finance cash loan can help you get sorted quickly.
We offer cash loans designed for real Townsville life:
Personalised rates: we tailor your loan to fit your situation
Fast approval: apply online; most customers receive their decision quickly (real-time funding available)
Genuine service: our friendly team makes things simple
Build credit confidence: on-time repayments may help boost your credit score
Flexible repayments: choose weekly, fortnightly, or monthly options
Apply from anywhere Townsville City, Kirwan, Annandale, Douglas, Thuringowa, Aitkenvale, or even out toward Bohle Plains all 100% online. No branches, no paperwork, no stress.
From Army families managing relocations to tradies needing their ute back on the road, and uni students balancing casual shifts, we understand how life in Townsville works. Our goal is to make borrowing straightforward, supportive, and fair for locals across the region.
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How it works
It only takes a few minutes to get started:
Apply online in minutes
If we need anything, a credit consultant will be in touch
Accept your offer via quick e-sign
If approved, funds are sent fast (real-time funding available)*
Funds could arrive within 15 minutes for eligible smaller loans if approved and paid out via real-time funding. Same-day payouts depend on approval time and bank cut-offs (AEST). Timing varies by bank and application time. Responsible lending criteria apply.
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FAQs — Cash Loans Townsville
A cash loan is simply a personal loan. At Fair Go, we provide cash loans for anything from $500 up to $10,000, which you can use to cover unexpected expenses or bills, or to simply buy something you want or need – a car, appliances, a holiday, the choice is yours.
You can apply for your cash loan online. It’s a quick, easy process that enables us to assess your application and give you conditional approval on your cash loan, fast – if not the same day, then within 24 hours.
We can even help you secure a quick cash loan if you have a less-than-ideal credit rating. We’ll work with you to try and find a solution that works for you and doesn’t put you under financial stress. So, you can take out a short-term cash loan without having to worry about the long-term consequences.
Worried about your credit history? Find out about our bad credit loans.
We provide cash loans for all sorts of people all over Australia. To apply for a cash loan, you’ll need to be at least 18 years of age and a permanent Australian resident, with a regular salary or income.
Worried that your bad credit history will prevent you from taking out a cash loan? Don’t fret, we’re here to help you get a fair go and your credit history back on track. Find out about our bad credit loans.
Car or ute repairs, medical or dental costs, rent or bond, home or appliance repairs, flights to visit family, cyclone prep or clean-up, school fees, or consolidating smaller debts.
It depends. The faster you can provide your supporting documents so we can complete your fast cash loans application assessment, the quicker we can process your application and give you a decision.
The good news is, our smart system enables you to submit your supporting documents online – it’s quick and easy. Assuming your application is successful, we can then transfer the approved funds directly into your bank account.
Find out more about our fast cash loan application and approval process.
Repaying our loans is just as easy as our online application and approval process.
Once your loan application receives formal approval, we’ll discuss the best way to set up your direct debit payments with you, so you can nominate your payday. You’ll receive a reminder before your first debit is due and if, down the track, you’re worried you’ll have trouble making your next repayment, our team is right here in Australia to help.
You can call us on 1300 324 746 or contact us online via live chat.
If you need a cash loan fast – really fast – then call us on 1300 324 746 or talk to our team in Australia via live chat. We’ll help you fast-track your cash loan application the same day.
Yes. Whether you’re in Townsville City, Kirwan, Annandale, Douglas, Cranbrook, Aitkenvale, or nearby suburbs, you can apply 100% online — no branch visit required.
A less than ideal credit score isn’t the end of the world. In fact, while we can’t guarantee we’ll be able to provide a loan if you have a bad credit score – even a small loan – we’ve helped lots of customers in Adelaide and throughout the country who have bad credit ratings.
We believe everyone deserves a fair go. And as one of Australia’s largest non-bank personal loan providers and a responsible lender, we’ll do everything we can to help you – if there’s a way for us to help you get a loan, without risking your long-term financial wellbeing, then we will.
If you’re not sure if you have a bad credit score, watch our video about how to find out your credit score, or request a free copy of your credit report from Equifax. It’s easier for us to advise you on the best way forward if we know if – and why – you have a bad credit score.
Your credit score can be affected by various things. And for many, it’s the result of a simple mistake. You can request a free copy of your credit report from ClearScore if you want to investigate further.
Credit score taken a hit? These things could be the cause:
You missed some bill payments.
You defaulted on a loan.
You forgot to make credit card repayments.
You filed for bankruptcy.
Not to worry. At Fair Go Finance, we know that your credit score is just one factor, and it won’t be the only thing we focus on when assessing your loan application.
That’s okay — we believe in fresh starts. We’ll look at where you are today, not where you were before. You may even qualify for a better rate now if your financial situation has improved.