Robert, from Pleas Main in NSW, desperately wanted to do some home repairs but given he had bad credit in the past, he knew it was going to be hard to get a loan. He knew he would have to find a lender that was understanding of his situation and willing to give him a chance. Robert found out about Fair Go Finance. We specialize in loans for clients who have had bad credit in the past, so Robert applied online for a loan and was over the moon when it was approved.

Robert told us, “I knew my financial history was not a desired lending institutes model. You still allowed my current financial situation carry that weight, and for that I will recommend your business and I will be a repeat customer!” If that wasn’t nice enough, Robert continued by saying, “Your website is easy to use, your customer service is friendly and informing and the process was not stressful at all!” Thanks Robert!

A bad credit loan is a personal loan offered to customers with a “bad credit rating.” Fair Go Finance offers unsecured bad credit loans up to $3,000 and secured bad credit loans up to $10,000. To get a current copy of your credit file you can go to Equifax’s website (or click here) where you can arrange a free copy of your credit history.

Need up to $10,000?

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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.