Fast & Fair Payday Advances Online — Up to $10,000
Need a hand before payday? Apply online in minutes for a fast decision and quick access to funds once approved. Enjoy flexible repayments, personalised rates, and the support of a friendly Australian team that puts your financial wellbeing first.
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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.
Your Trusted Payday Advance Australia Provider
Life doesn’t always wait for payday. From a car service that can’t be delayed to a last-minute bill or urgent home repair, sometimes you just need a hand to bridge the gap.
At Fair Go Finance, we make payday advances simple, transparent and stress-free. You can apply online anytime, from anywhere in Australia, and receive a fast decision. Once approved, funds are transferred directly to your bank account — often within the same day.
Every payday advance is tailored to your situation, with repayments structured to fit comfortably within your budget. You’ll always know what your loan will cost upfront, with no hidden fees or confusing fine print.
Our mix of smart technology and genuine customer care means you’ll always deal with a responsible Australian lender that believes in fair, flexible borrowing.
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Why Australians Choose Fair Go Finance for Payday Advances
Fast approval: Apply in minutes and get a quick decision.
Transparent pricing: No hidden fees ever.
Personalised rates: Based on your circumstances, not one-size-fits-all.Flexible repayments: Weekly, fortnightly or monthly options.
Credit score boost: Making repayments on time may help improve your credit score.
Friendly Australian support: Our local team is here to help if you need it.
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FAQs — Payday Advance Australia
It is a short term personal loan that lets you access money before your next pay. You can apply for up to $10,000 online. If approved, money is transferred directly to your bank account.
You must be at least 18, an Australian resident, have valid ID, about 90 days of bank statements, and a regular income from employment. We do not accept Centrelink or other government benefits as income. Less than perfect credit is considered. We look at your current situation, not just your score.
Common uses include urgent bills, rent or bond, car or home repairs, medical or dental costs, essential purchases, and avoiding overdraft or late fees.
Functionally similar outcome fast access to cash before payday but with a regulated loan structure, clear pricing, and repayments spread over time to fit your budget.
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.
Yes. If your circumstances unexpectedly change, we understand you may want to reduce your repayments.
If this happens, please contact us as soon as possible. The quicker you let us know, the faster we can discuss your alternative payment options and help you get back on track.
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.