Are our unsecured loans fast? No, they’re really fast.
Good credit or bad credit. $500 or $10,000. Our unsecured loans are fast, secure and personalised.
- Fast application. Apply online in minutes.
- Fast decision. Almost instant provisional approval.
- Fast transfer. Get your cash in 24-48 hours, if approved.
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 unsecured loan questions
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:
- Apply online. You can apply for your unsecured loan in a matter of minutes and then track your application online.
- 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.
- 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 (earning at least $500 per week), 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.
Unsecured loans you can arrange fast. Really fast.
From the easy-as online application process for our unsecured personal loans, to our almost instant decisions on conditional approval, we’ve used all our team’s finance and tech smarts to make getting an unsecured loan fast and easy.
What’s more, as one of Australia’s largest non-bank personal loan lenders, it’s a process that’s as secure and responsible as it is fast. We’ll personalise the terms on your loan to minimise your borrowing costs. And we’ll never advise you to do anything that’s not in your best interests.
That’s why we have customers across Australia who come back to us time and again for personal loans that suit them, including customers with bad credit scores. We believe everyone deserves a fair go, so if you have a bad credit history, we’ll try to find a loan solution that gives you the cash you need to get on with life and get your bad credit rating back where it belongs.
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%.
Apply for an unsecured loan of up to $10,000.
Whether you have good credit or bad credit. Whether you need $500 or $10,000. Our personalised unsecured loans are designed around you. So, tell us what you need and we’ll give you an almost instant decision.
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.