Low Income Personal Loans up to $10,000
If you are employed and an urgent cost pops up, apply online in minutes. If approved, funds are moved promptly so you can sort what matters. Enjoy fair rates, flexible repayments, and helpful Australian support.
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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.
Low income loans that work in real life
Budgets can get tight when a bill lands early, the car needs a repair, or rent is due. Our low income personal loans keep things straightforward so you can keep moving.
Personalised pricing based on your situation
Fast decisions so you know where you stand sooner
Friendly Australian team that keeps things simple
On-time repayments may help your credit history
Flexible repayments weekly, fortnightly, or monthly
All fees disclosed upfront — no surprises
Apply 100% online. Borrow up to $10,000, subject to eligibility and affordability.
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How to apply
Apply online in minutes
If we need anything, a credit consultant will contact you
Review your offer and accept with a quick e-sign
If approved, funds are transferred promptly during banking hours*
* Timing depends on your bank and when you apply. Eligibility, affordability and responsible lending criteria apply.
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Frequently Asked Questions — Low Income Personal Loans
A low income personal loan is designed to help people who earn less or work part time access credit responsibly. It allows you to borrow between $500 and $10,000 through a fair, transparent process that considers your full financial picture — not just your pay slip.
You can use your loan for almost any essential expense, such as:
Paying household bills or rent
Covering car or home repairs
Managing medical or dental costs
Replacing broken appliances
Handling education or family expenses
It’s your loan, designed to help you stay on top of everyday life.
Call 1300 324 746, email apply@fairgofinance.com.au, or chat live on our website. Support hours: Mon–Fri, 8:30 am to 5:00 pm AEST (excluding public holidays).
No. Use our no-impact eligibility check first. A credit enquiry occurs only if you submit a full application.
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.
Yes, and we won’t charge you early payout fees either!