Unsecured Personal Loans for People with Bad Credit or Good Credit

What is an Unsecured Loan?

  • Our Unsecured loans are for any amount under $10,000*
  • We cater for applicants with good and bad credit history
  • Fast application and assessment process
  • Fixed repayments for the entire loan
  • You don’t need to provide any security for the loan

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 an unsecured loan with us, you get

  • Easy application form and Fast loan decision
  • Easy instructions on what documents we need
  • Funds transferred upon final approval

If you have any queries during the online secured loan application process, call our friendly staff on 1300 324746 and we will help you.

Benefits of an unsecured loan with Fair Go Finance

Apply Online & 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 on time, you establish a repayment history with Fair Go Finance that can help you when you next apply for a loan.

Our Unsecured Personal Loans are loans that you can apply for without having to offer anything (such as a car) as security for the loan. When you submit an application to Fair Go Finance we evaluate it based on your current situation and credit history.

The maximum amount you can borrow is $10,000*.

*The loan amount offered will be determined by our lending criteria and your credit history*

Who is this product for? 

  • People who need funds quickly for a range of personal reasons

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 $500 to $10,000

What repayment terms are available?

  • Range from 3 months – 3 years. Repayment terms will vary depending on each applicant’s financial situation.

Loan types available

  • All our loans have a fixed interest rate or set repayments. 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.