What makes our small loans cheap? Our tiered fees

Australia’s fairest online small loans, putting so-called ‘low interest personal loans’ to shame.

  • Low cost. Fixed tiered fees. Lower costs.
  • Easy. Apply securely online in minutes.
  • Transparent. No early payout fees or nasty surprises.

How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate


Total repayment $3,871

Comparison rate from p.a.


Min weekly repayment


How Fair Go Finance 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.

How Fair Go Finance works

Apply in 6 Minutes

Choose your loan type and apply online.

How Fair Go Finance works

Get Instant Outcome

We'll process your application and advise an outcome immediately.

How Fair Go Finance works

Funded in Minutes

If approved, sign your contract and receive your funds in minutes.

Apply Online


How can we help you?

Below you’ll find answers to the most frequently asked Small Loan questions

Apply Online

Apply online for your small loan.

Discover why customers across Australia rely on our friendly team to provide the right quick cash loan.

Just as we’re invested in your long-term financial wellbeing, we also invest in the best technology and tools. And so, you’ll find applying online for your small loan is as quick and easy as it is secure.

Apply Now!

Check out the fairest small personal loans in Australia.

In a small loan market swamped with lenders promising ‘cheap small loans’ and ‘low interest loans’ we prefer to let our tiered fees and satisfied customers across Australia do the talking.

When you apply online for one of our small personal loans, you can relax knowing you’ve got a fair deal. As one of the largest non-bank lenders in Australia, our responsible lending commitment means we always do the right thing by you. We’ll never lend you more than you can afford and, thanks to our tiered small loan fees, we’ll always try to minimise the cost of your loan.

That’s because we’re here for you long term, not just to meet your short-term loan requirements, which is why we also provide even better rates and discounts to our loyal customers.

Small Amount Loans


Loan Amounts

$500 – $2,000


Average Term

3 – 12 Months


Typical Establishment Fee**

$0 – $400


Monthly Fee

$10 – $80


Interest Rate Per Annum



Comparison Rate


$500 repayment example


Average Term

3 – 6 months


Repayment Per Week*

$24 – $52


Establishment Fee

$50 – $100


Monthly Fee

$10 – $20


Interest Rate Per Annum



Comparison Rate


*Repayments per week depend on affordability
**This limited offer is currently for good credit customers in recognition of their good credit history.


See what our customers are saying

Read all reviews

Are you eligible to apply?

  • I am 18 years or older
  • I have not entered into bankruptcy or part 9 agreement within the last 6 months
  • I am willing to provide my Bank Statements online
  • My income is not solely from Centrelink
Please note: Bank statements can only be submitted via our secure online service.


Please be aware our phone lines are temporarily down. Whilst they are being fixed, please contact us either via our Chat function or you're welcome to email us at apply@fairgofinance.com.au and we will be happy to assist you. We apologise for the inconvenience and hope to have this rectified soon.