Apply and be approved by 3pm EST and we will transfer the funds to you within 30 minutes! :)  

Note bank processing times vary which may impact delivery of funds into your bank account.

Cash Loans

When you apply for a cash loan with us, we understand you’re in need of some quick cash to help you out – and the sooner the better!

Yes, being caught short isn’t much fun, so if you’re looking for between $500 and $5,000, our cash loan could be the answer and get you back on track.

Larger loans. Longer terms. Better rates!

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What is a cash loan?

How can I get a cash loan with Fair Go Finance?

We’ve made our cash loans easy to apply for because you do it completely online. Our process involves 3 simple steps which are:

STEP 1. Complete our online cash loan application where you will get an immediate decision

STEP 2. If you’re conditionally approved, use an SMS code to accept the offer– no signing required!

STEP 3. Use our free bank statement service and we’ll verify them with your documents to finalise your assessment. If approved, we’ll transfer the cash straight into your account.

How long does it take to get a cash loan?

This depends a lot on you! If you need the cash loan urgently, as long as you provide all the documents we need (which you can do entirely during the online application) you’ll be prioritised and we’ll be able to finalise your loan application without any delays relating to outstanding information.

We’ve approved cash loans and transferred the money on that same day, so the quicker you provide everything we need, the quicker we can get it done!

Why should I get a cash loan with Fair Go Finance?

The reason we stand out from our competitors is because we’re here to help with your short term loan needs as well as wanting to help when you’re ready for a larger personal loan too. We’re different because we also have a panel of lenders available to you.

This means not only are we able to provide Fair Go Finance cash loans up to $5000 but we also have other lenders we can consider for you. Why not let us do the research for you, after all that’s what we do best!

What can a cash loan be used for?

A cash loan is also known as a small loan and it can help you with any type of cash shortfall, such as:

Whether it’s a small cash loan or perhaps a larger personal loan that you’re looking for, let us do what we can to help you go forward and achieve your goals!

Applying for a cash loan is easy and it only takes 5 minutes

WE ARE ONLINE: So you can apply from anywhere in Australia, at any time!
WE ARE PAPERLESS: Our online application process is easy and quick –which means we can help, fast! You don’t even need to get your pen out, just e-mail us some info and you’re on your way.
WE ARE FRIENDLY: You may only see us on a screen, but we have a huge heartbeat which comes from our dedicated team, eager to offer a hand and help you go forward!
WE ARE QUICK: We’re committed to processing your loan as fast as possible. You’ll have access to our customer portal so you can track your application, and if approved, we’ll transfer your funds that same day!

Apply now and you could have your cash as soon as tomorrow!

Keeping cash loans clear and simple!

Am I eligible? To apply you need to be: 18 years of age or older, a permanent Australian resident and in regular paid employment.
How much can I borrow for a cash loan? From $500 up to $5000
How long can the loan term be? 3 – 24 months
Is it a fixed or variable rate loan? Fixed
Who will be the lender? Depending on your credit history and loan amount you request, the lender may be:
Fair Go Finance $500 - $5000
Ratesetter $4000- $5000
Now Finance $4000 -$5000
Latitude $4000 - $5000

Why restrict your finance options to one lender? At Fair Go Finance we have partnered with some like-minded finance providers so it can allow even more loan choices for you.

Need help? Give us a call on 1300 324 746 or instant message us.

Are you reading this outside our business hours? You can still call and leave a message or e-mail us with any queries, and we’ll reply as soon as we’re back at work!

Small Loans Pricing


  Min Loan Max Loan Average Term Typical Establishment Fee Monthly Fee Interest Rate per Annum Comparison Rate
Small Amount Loans $500 $2,000 5 months 20% 4% of principal 0% N/A
Medium $2,250 $5,000 8 months $460 - $695 $5 29.9% 39.9%


Loan Amount Available Term Repayments per week ( depends on affordability) Establishment Fee Monthly Fee Interest Rate per Annum Comparison Rate
$500 3 - 5 months $33 up to $155 $100 $20 0% N/A
$1750 3 - 11 months $61 up to $178 $350 $70 0% N/A
$2250 4 - 12 months $62 up to $169 $460 $5 29.9% 38.1% - 44.6%
$4500 7 - 12 months $116 up to $188 $635 $5 29.9% 41.3% - 46.8%

Mates Rates Discounts

At Fair Go Finance we reward you with a discount on your second loan, given you will have demonstrated a positive repayment history on your first loan. You will be rewarded with an express service and, depending on the loan amount, a reduction on your establishment fee / interest rate. See table below.

Loan Amount Min Loan Max Loan Reduction Applied to Establishment Fee Reduction Applied to Interest Rate Express Service
Small Amount Loans $1,000 $2,000 $50 0% YES
Medium $2,250 $5,000 $50 5% YES

Warning: The comparison rates provided are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Maximum fees, charges and or interest equal to a maximum all inclusive equivalent cost rate of 48% APR (Annual Percentage Rate). Minimum loan term 3 months. Maximum loan term 12 months. 


Reviews and feedback from customers about Fair Go Finance’s Cash Loans
Overall 4.95
10 reviews
  1. 5

    Your service is fantastic always there to help when I have needed. Thank you so much.

  2. 4.5

    Simple and easy repayment plan. Quick reaction to our requests.

  3. 5

    This has been a very easy loan for us to manage, weekly payments and excellent communication from the support team.

  4. 5

    The loan process was easy and smooth and Anna helped me with every stage of the process.

  5. 5

    This is my 5th loan with FGF and the quality service and the quickness of the process is second to none.

  6. 5

    No matter you financial situation fair go finance will always do there best to help, great customer service.

  7. 5

    The process was kept easy and the the customer service know how to get the best possible loan option. Also the live chat is really helpful and I got an response instantly about my questions.

  8. 5

    Fantastic service and no hidden costs.

  9. 5

    Great customer service. Very Clear and understanding

  10. 5

    I had great result from you and frantastic customer service from the lady who help me with all the paper work - thank you.

More Reviews

"Great super fast service with extremely pleasant understanding staff"

Emily, February 2016