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.

Loan Calculator

How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate

19.9%

Total repayment

$3,871

Comparison rate from p.a.

44.2%

Min weekly repayment $72.48

Rates (APR), fees & features

SMALL
Amount Loans
Loan Amounts $300 – $2,000
Average Term 1 – 12 months
Typical Establishment Fee $0 – $400
Monthly Fee $0 – $80
Interest Rate Per Annum (APR) * N/A
Comparison Rate ** 40.08% – 73.06%

 

*For our loans of $300 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%.
**All prices are indicative for an unsecured personal loan and 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.

 

EXAMPLE $950 $1600
Average Term 6 months 8 months
Repayment Per Week $53 $68
Establishment Fee $180 $278
Monthly Fee $34 $56
Interest Rate Per Annum (APR) N/A N/A
Comparison Rate 73.06% 1 73.06% 1

 

1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

How to Apply

Fair Go Finance Unique Selling Point

Apply Online

All it takes is 6 minutes with our smart online application form.
Fair Go Finance Unique Selling Point

Accept Offer

Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Fair Go Finance Unique Selling Point

Receive Finance

Real-Time Funding will make sure your funds are transferred as cleared funds within 1 min, so you can start using it sooner!
Fair Go Finance Unique Selling Point

Personalised Support

If you need a little help with anything, simply talk to our support team.
Apply Online

Why choose Fair Go Finance?

We’ve been giving our customers a Fair Go since 2008.

We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.

Fair Go Finance Unique Selling Point

Genuine Customer Service

Real and caring consultants to help you go forward.
Funded in minutes!

Apply, approved and funded in as little as 15 minutes

Fair Go Finance Unique Selling Point

Risk Based Pricing

Your credit profile is rewarded with tailored pricing.
Rewarded on return!

Save up to $115 on small loan
Save up to $357 on medium loan

Fair Go Finance Unique Selling Point

Mates Rates Loyalty Program

Enjoy rate and discount rewards for your loyalty.
Get more & pay less!

Returning customer gets up to $453 more on the second loan

Fair Go Finance Unique Selling Point

Boost Your Credit Score

Improve your financial future by repaying your loan with us.
Good credit, not bad!

65% of our customers enjoy a 42 point increase to their credit score.

How can we help you?

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

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!

Apply Online

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.

Notice

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.