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.
|Loan Amounts||$300 – $2,000||$2,050 – $5,000|
|Average Term||1 – 12 months||6 – 24 months|
|Typical Establishment Fee||$0 – $400||$394 – $771|
|Monthly Fee||$0 – $80||$9|
|Interest Rate Per Annum (APR) *||N/A||17.20% – 29.90%|
|Comparison Rate **||40.08% – 73.06%||39.61% – 64.52%|
|Average Term||5 months||8 months||13 months|
|Repayment Per Week||$59||$68||$76|
|Interest Rate Per Annum (APR)||N/A||N/A||26.19%|
|Comparison Rate||73.06% 1||73.06% 1||55.10% 2|
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Apply, approved and funded in as little as 15 minutes
Save up to $115 on small loan
Save up to $357 on medium loan
Returning customer gets up to $453 more on the second loan
65% of our customers enjoy a 42 point increase to their credit score.
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 324 746 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 324 746 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.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 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 324 746 or contact us via live chat to find out more about our bad credit loans.
An unsecured personal loan can be used on whatever you like! Whether that be household bills, new car tyres, school fees or more, you can spend the money on any personal need you may have.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.
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.