Apply and be approved by 3pm EST and we will transfer the funds to you within 30 minutes :)  

Note: Bank processing times vary which may impact delivery of funds into your bank account.

Small Loans

When you apply for a small loan with us, we understand your looking to overcome a small financial challenge that life has thrown at you.  Whether you have good credit or not so great credit, we would like to hear from you; choose an amount from $500-5000 with the slider below and see just how simple our application is!

How much do you need?

I need



3 months7 years

My credit is

rate p.a.


rate p.a.


Minimum weekly


Total repayment


Need more than $5000?

What is a Small Loan?

  • It is a personal loan from $500 up to $2,000.
  • A small loan is unsecured.
  • It caters for clients with good and bad credit history.
  • It can be used for any personal use such as purchasing items or covering emergencies.

It's impossible to plan for every expense life throws at you, so if you’re searching for a small loan online between $500 and $2,000 – stop looking because we’d really love to try and help!

Applying for a small loan is easy and it only takes 5 minutes

Let’s get you started! APPLY NOW!

Reviews and feedback from customers about Fair Go Finance’s small loans
Overall 4.88
13 reviews
  1. 4.5

    Professional service, easy to use online experience, kept me up to date. 

  2. 5

    Great service, understanding and fast outcome.

  3. 5

    Excellent customer service, fast and if I need to contact they always answer the phone. 

  4. 5

    Great service and very kind to deal with and helpful. 

  5. 4.5

    Fast service, pleasant customer service. No fuss attitude. 

  6. 5

    Fast, friendly, fair and understanding service. 

  7. 5

    It was easy and simple to get my loan, the customer service was great!

  8. 5

    Easy to contact, nothing is ever an issue - great people to talk to.

  9. 5

    Quick and efficient application progress and very helpful staff.

  10. 5

    Quick, efficient service. Friendly and knowledgeable consultants, both online and over phone.

  11. 4.5

    Very helpful and easy to apply and great customer service!

  12. 5

    Fair go has been fantastic always there when I needed money and great service.

  13. 5

    So easy to deal with and staff treat you as a customer not as a number if you get what I mean. 

More Reviews

What is a small loan used for?

The short answer is anything small! You could use a small loan for:

Whatever your small personal loan need may be, we want to give you a fair go. 

How does our small loan work?

Keeping small loans clear and simple!

Am I eligible?

To apply you need to be: 18 years of age or older, a permanent Australian resident and in regular paid employment.

How much can I borrow for a cash loan?

From $500 up to $5000

How long can the loan term be?

3 – 24 months

Is it a fixed or variable rate loan?


Who will be the lender?

Fair Go Finance  

How much does a small loan cost?

Loan Type Loan Amounts Average Term Typical Establishment Fee Monthly Fee Interest Rate per Annum Comparison Rate
Small Amount Loan $500 - $2,000 5 Months 20% 4% of Principal 0% N/A
Medium Amount Loans $2,250 - $5,000 8 Months $460 - $695 $5 29.9% 39.9%
Small loan repayment examples
Loan Amount Available Term Repayments per week* Establishment Fee Monthly Fee Interest Rate per Annum Comparison Rate
$500 3 - 5 months $33 up to $155 $100 $20 0% N/A
$2,250 4 - 12 months $62 up to $169 $460 $5 29.9% 38.1% - 44.6%
*Repayments per week depend on affordability 


Mates Rates Discounts

At Fair Go Finance we reward you with a discount on your second loan, given you will have demonstrated a positive repayment history on your first loan. You will be rewarded with an express service and, depending on the loan amount, a reduction on your establishment fee / interest rate. For more information on our loyalty discounts, check out our Mates Rates page.

If you need more cash, we also offer cash loans up to $5000 and larger personal loans with great rates!

Need help? We'd love to take your call on 1300 324 746 or chat online through our instant chat!

Are you reading this outside our business hours? You can still call and leave a message or contact us with any queries, and we’ll reply as soon as we’re back at work!

"My application was easy, the consultants were extremely friendly and i had my funds within 24 hours."

Kristen, January 2017