Need a quick loan super fast? Too easy.
Fast and easy quick loans that don’t risk your long-term financial health.
- Flexible. Up to $10,000 over 3-36 months.
- Fast. Complete your application in minutes.
- Easy. Apply online and accept via SMS.
All prices shown are indicative and are for new customers. For returning customers, you will be eligible for our Mates Rates Loyalty Reward benefits, which includes a 10% discount on your establishment fee. All personal loan applications are subject to approval and will be assessed separately by reference to the applicant’s individual circumstances.
All prices are indicative. Fees and charges are payable. 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.
All prices are indicative. Fees and charges are payable. 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.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
How can we help you?
Below you’ll find answers to the most frequently asked quick loan questions
Our quick loans are just that – quick, short-term cash loans of up to $10,000. And when we say quick, we mean quick!
Our easy online application process is as fast as it is easy, whether you have a good or bad credit rating. And if your application is approved, you’ll receive your funds the next day.
Look no further. At Fair Go, we specialise in quick, responsible cash loans.
As one of Australia’s largest non-bank lenders, we have a deserved reputation for online security and personalised service, as well as speed. It’s a combination that makes us the quick loans lender of choice for thousands of Australians. Check out some of our customers’ testimonials below.
Of course, we’re not the only lender offering quick loans. There are a host of smaller lenders out there. But there are some important factors to consider before you pick your lender, such as:
- Will the lender take the time to understand your personal circumstances?
- Will they use this knowledge to minimise the cost of your quick loan?
- Are they lending responsibly, ensuring you’re able to meet your repayments?
- Are they concerned about your long-term financial health, not just providing a fast loan?
At Fair Go, the answer to all of the above is a resounding ‘Yes’.
Really quick. And it’s as easy as 1-2-3.
- Apply online. Using our free and secure bank statement service will fast-track your application.
- Accept your offer. If your application receives conditional approval, you can accept our preliminary offer via SMS. No printing, signing and scanning. No delays.
- Receive your funds. If your loan application is formally approved, we’ll transfer the cash straight into your account overnight.
Already taken out a loan with us? Then make the process even faster with the express application form within our application portal.
With our personalised quick loans, you can apply for up to $10,000, fast. And you can spend it on pretty much anything. Our customers hop online and apply for quick loans for all sorts of things.
- Unexpected bills or events
- Car maintenance and repair bills
- Secured or unsecured car loans
- New or replacement white goods
- Education costs or school fees
- Rental house bonds
- Moving and transportation costs
In short, anything or any situation where you need a quick, short-term cash loan to cover an unexpected cost or spread the cost of a big bill.
Read how we helped Maria buy whitegoods for her house with a quick, online loan.
To apply for a quick, online loan, you need to be:
- 18 years of age or older
- A permanent Australian resident
- In regular paid employment
Find out more about our eligibility criteria for quick cash loans.
It depends on your circumstances and credit history, but we’ll do whatever we can to help you secure a quick loan and the best rate, whatever your credit score. And if you want advice on how to improve your credit score, we can help there too.
If you think your credit history may be a problem, find out more about our bad credit cash loans or call our quick loans experts on 1300 FAIR GO or contact us via live chat. No judgement. No obligation.
At Fair Go, you can apply for up to $10,000 with a quick loan. Whether you need $500 or $10,000, the online application process is the same – fast and easy!
Like all our loans, we personalise and structure our quick loans to suit you and secure the most competitive rate. So, depending on your financial obligations and situation, you can choose anything from a three-month term to a 36-month term.
Making quick loans fast, easy and responsible.
When life springs a little surprise and you need some extra cash in a hurry, you can rest assured we’ve got your back. And that doesn’t just mean making it easy to get a quick loan online.
As one of Australia’s biggest and most respected non-bank lenders, we’re continually investing in fast, easy, secure ways for people to get the loans they need. But our duty of care goes way beyond our easy loan application process. We’re here to look after your long-term financial best interests, as well as your short-term finance needs.
That means, whatever your credit score and wherever you are in Australia, we’ll do our best to get the right loan for you, structured in the right way. It means personalised rates that minimise your borrowing costs. It means flexible terms that allow you to get on with life, without losing sleep. And it means loyalty discounts, so you can secure even better rates in the future.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
How do you apply for a quick cash loan?
It’s quick, easy and 100% online. Simply apply securely online and, with our fast assessment process, you could have your quick loan approved and your funds in your account within 24 hours.
Apply Now!
Are you eligible to apply?
- I’m 18 years or older
- I’m employed (not self-employed)
- I’m paid $500 or more a week into my bank account
- My income is not solely from Centrelink
- I’ve not entered into bankruptcy or part 9 agreement within the last 12 months
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
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.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
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.