Our unsecured loans are personal loans ranging from $500 to $10,000 that don’t require any security or collateral (for instance, a car or another asset) like secured loans. Our online application system makes getting an unsecured loan quick and easy, with an almost instant conditional decision.

Assuming you’re formally approved for an unsecured loan, you can use your cash for pretty much anything, from covering or spreading the cost of unexpected bills, to paying for a family holiday.

Got a bad credit history? Don’t worry, we help lots of people with bad credit scores get the personal loans they need. It may be that a secured loan is a better option for you. Find out more about our bad credit loans or contact our friendly team on 1300 FAIR GO or via live chat.

It depends. It may be that a secured loan is a better option, enabling you to get the cash you need to get on with life and helping you turn your bad credit score around.

Either way, don’t let your bad credit history stop you from applying for an unsecured loan. Contact our friendly team on 1300 FAIR GO or via live chat and we’ll be able to advise you on the best way to get the cash you need. Alternatively, learn more about our bad credit loans.

The online application process for our unsecured personal loans is fast – really fast – with an almost instant decision on conditional approval. It’s as easy as 1-2-3:

1. Apply online. You can apply for your unsecured loan in a matter of minutes and then track your application online.
2. Get an almost instant decision. Our smart system will give you an almost instant provisional decision on your unsecured loan application. And if you receive conditional approval, you can accept our preliminary offer via SMS. No printing, signing or scanning.
3. Receive your cash. If your unsecured loan application receives formal approval, we’ll transfer the cash straight into your account, usually overnight.

Start your online application and see how fast and easy it is. And if you run into any problems or have any questions, we’re here to help. Call our team on 1300 FAIR GO or contact us online via live chat.

We can’t promise instant approval, but it’s super fast.

Using our free and secure bank statement service to fast track everything, you can complete your application and get a decision (or conditional approval) in minutes. Then, our team will contact you to complete your application assessment. Assuming you’re formally approved, we can transfer your funds directly to your account, usually overnight.

See how fast and easy it is for yourself. Apply for your unsecured loan and get an almost instant provisional decision.

At Fair Go, we’re here to ensure you get a fair deal on your personal loan. That’s what our responsible lending commitment is all about. It’s there to give you peace of mind knowing that, as one of Australia’s largest non-bank personal loan providers, we’ll always do the right thing by you.

That’s why we personalise our rates and terms of our personal loans, ensuring we minimise your borrowing costs. It’s why we offer a range of repayment terms (three months to three years), so you don’t put yourself or your household budget under unnecessary stress.

It’s also why we provide fixed interest unsecured loans, so you know what you’re committing to upfront, making it easier to budget for the future. And we never charge early payout fees – if you can pay off your loan sooner rather than later, you can save yourself some money.

If you’re at least 18 years of age, a permanent Australian resident and in regular paid employment, then you’re eligible to apply for an unsecured loan.

Depending on your income and financial obligations, you can borrow up to $10,000 – we’ll personalise your loan’s rates and terms to maximise your borrowing power and minimise your borrowing costs, ensuring you never take on more than you can afford.

Worried your bad credit history will cause problems? We’re here to help you find a way forward. We often help customers with bad credit scores get the loans they need and get their bad credit rating back on track. Call our friendly team on 1300 FAIR GO or contact us via live chat to find out more about our bad credit loans.