Fast & Fair Payday Loans in Perth – Borrow up to $10,000
Need cash before payday? From an unexpected bill to a repair that can’t wait, Fair Go Finance helps Perth locals bridge the gap quickly and responsibly. Apply 100% online for a fair loan with clear costs, flexible repayments, and no hidden fees.
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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.
Perth life doesn’t stop even when bills arrive early.
Between long commutes, rising living costs, and the odd unexpected expense, it’s easy to get caught short. Whether it’s an urgent car service, replacing a fridge that’s given out mid-summer, or catching up after a power bill spike, a Fair Go Finance payday loan can help you sort things out fast.
We keep things simple, transparent, and local:
Rates that fit you: personalised to your situation
Fast approval: apply in minutes; most customers receive their decision quickly (real-time funding available)
Genuine service: our friendly Perth-based team makes things simple
Build credit confidence: on-time repayments may help boost your credit score
Flexible repayments: choose weekly, fortnightly, or monthly to match your pay cycle
Fair Go Finance understands Perth life from FIFO workers and tradies keeping their vehicles on the road, to families managing school fees, rent, and household costs. Our mission is simple: to make borrowing fair, flexible, and stress-free, so you can focus on what matters most.
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How it works
Getting started takes just a few minutes:
Apply online in minutes
If we need anything, a credit consultant will reach out
Review and accept your offer with a 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 (AWST). Responsible lending criteria apply.
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FAQs — Payday Loans Perth
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.
Yes. Whether you’re in the Perth CBD, Joondalup, Rockingham, Fremantle, or anywhere across the metro area, our process is fully online — no queues, no paperwork.
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.
Yes, and we won’t charge you early payout fees either!
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.
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.
Call 1300 324 746, email apply@fairgofinance.com.au, or chat with us live on our website. Support hours: Mon to Fri, 8:30 am to 5:00 pm AEST (excluding public holidays).