Secured Personal Loans – Loans Against Your Car or Boat

What is a secured loan?

  • Our secured loans range from $2,250 up to $10,000
  • We cater for applicants with good and bad credit history
  • Our secured loans use an asset you own (car, motorbike, caravan etc) as security for the loan
  • Flexible repayment terms available

Larger loans. Longer terms. Better rates!

How Much?


Repayment Term

6 months36 months

Interest rate from p.a.


Comparison rate from p.a.


Minimum weekly repayment


Total repayment


When you apply for a secured loan with us, you get:

  • An easy application form and fast loan decision
  • Clear indication of loan and repayment amounts
  • Easy instructions on what documents we need
  • Funds transferred upon final approval

If you have any queries during the online secured loan application process, please call our customer service centre on 1300 324 746 and we’ll be happy to help you.

Benefits of a secured loan:

Apply Online and Sign Online

  • Our fast process allows you to apply online and sign online using eSign if conditionally approved. The e-mailed contract will also give you an indication of how much you may be approved for.

No early pay out fees

  • At Fair Go Finance you only pay interest until the day you fully repay the loan. This can save you hundreds of dollars if you pay it out early.

Help in getting cheaper credit in the future

  • By paying your personal loan back in line with original repayment schedule, you establish a repayment history with Fair Go Finance that can help you when you next apply for a loan.

Our Secured Loans are loans where you offer a registered asset you own (like a car, caravan, boat etc.) as a security for the loan. Our secured loans can assist with purchasing an asset, either privately or through a dealer ship and we can lend up to 100% of the purchase price.

Who is the product for?

  • People who want to purchase a car, motorbike, boat etc. or need funds and own an unencumbered asset that can be used as security.

Am I eligible to apply?

  • You need to be at least 18 years of age, a permanent Australian resident, and in regular paid employment to apply.

How much can I borrow?

  • From $2,250 to $10,000

What repayment terms are available?

  • Range from 6 months -3 years. Repayment terms will vary depending on each applicants financial situation.

Loan types available

  • All our loans have a fixed interest rate. This means you can easily budget and know that your repayments will always stay the same.

Are you eligible to apply?


It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.

The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.