Short Term Loans Online

Online short term loans are similar to an online unsecured personal loan and are typically required to cover an unexpected bill or buy something that was not planned.

The Short Term loan is designed to have the loan approved and repaid quickly, minimising the cost to the consumer, while also ensuring that repayments are affordably structured. The repayment terms range from a few months up to 12 months and are always governed by ensuring that the loan amount meets your needs and that the repayments are affordable.

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

  • What are short term loans?

    • They are personal loans from $500 up to $10,000
    • It can be secured or unsecured
    • It caters for clients with good and bad credit history
    • It is needed quickly, for a short amount of time and can be used for any personal use.
    • It is structured to be affordable for the borrowers circumstances.
  • What can I use a short term loan for?

    This type of finance can be used for any personal use such as:

    • Bills
    • Unexpected expenses
    • Car repairs
    • School fees
    • Purchases
    • Cash flow shortfalls
    • Bonds/moving expenses
  • What is the process to apply for a short term loan?

    • Complete our online loan application
    • Receive a fast conditional outcome
    • If conditionally approved, provide your ID and supporting documents
    • Funds will be transferred within 24 hours of formal approval


    Supporting Documents Include:

         1. An Identification document such as:

    • Drivers licence
    • Australian or New Zealand Passport
    • Medicare card
    • ATM card
    • One utility bill (gas, electricity, telephone) or rent receipt confirming your address


    2. Assessment documents such as:

    • 3 months of bank statements showing your name and address
    • A recent payslip
    • Registration documents (if you are buying a car/motorbike or using vehicle as security)


    A free and efficient way to provide your bank statements

    At Fair Go Finance we have a free online bank statement service available provided by MoneyBuddy Data Pt Ltd trading as The benefits of this service are:

    1. It saves you from faxing or e-mailing your bank statements through.
    2. It’s quick and easy to use.
    3. We can assess your loan quicker.


    How does the bank statement service work?

    Your internet banking access is securely encrypted, allowing us to view your bank account history, in a read-only format. We cannot change any of your banking details, set up direct debits or manage your account in any other way. All data is securely handled in accordance with the Privacy Act (1988) (Cth) and our privacy policy and MoneyBuddy Data Pt Ltd trading as privacy policy which can be accessed here: For more information about this service please refer to our FAQs.

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.