Borrowed Before? Your Next Loan’s Easier.
Borrowed before? Your next loan’s easier. Apply online in minutes for a quick decision and personalised rates — ready for anything, from bills to big dreams.
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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.
Why Returning Customers Choose Fair Go Finance
Fast & Fair
Re-apply online in minutes with our simple form and transparent rates. Returning customers are often approved faster because we already know you.
Personalised Pricing
Get an interest rate based on you, not just your credit score. We look at your current circumstances to give you a fair deal.
Build Your Credit as You Borrow
With on-time repayments, your positive history can help strengthen your credit score to work towards improving your financial future.
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A fair go - again.
You’ve borrowed with us before, and we value that. That means:
Streamlined reapplication process for faster decisions.
Clear, transparent loan terms with no hidden surprises.
Access to the same support team that helped you the first time.
Quick access to funds.
Apply online, get a quick decision, and once approved, funds are usually available the same day.*
Help when you need it.
Our friendly Australian-based team is here to answer questions or help you choose the right repayment plan.
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Questions from Returning Customers FAQs
Yes — absolutely. If your loan is fully paid off, you’re welcome to apply again anytime. We’ll assess your new application based on your current circumstances, not your past loan.
In most cases, yes. Because you’re already known to us, we can often move your application through more quickly — many returning customers receive decisions the same day.
Yes, but it’s simple. We’ll just need your most recent details — your income, bank statements, and ID — so we can make sure your new loan fits your current situation comfortably.
It can. We use Comprehensive Credit Reporting (CCR), which means positive repayment history is shared with credit bureaus. Every on-time repayment helps build your score over time.
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.
You can apply for a personal loan or a debt consolidation loan, from $500 to $5,000, depending on your eligibility and needs. We’ll help find the option that’s right for you.